"n 2025, M&A deals accounted for 71% of total activity, followed by investments and joint ventures at 18%, and exits and entrances at 11%. Still, HousingWire's reporting likely captures only a portion of actual activity, since many transactions are not publicly disclosed due to the private ownership of most mortgage companies. Large players closed deals with the potential to reshape the industry."
"Larger mortgage companies with access to corporate debt or equity capital are better positioned to grow and further consolidate the industry. We are seeing companies that hold large servicing portfolios either grow those portfolios because they already have origination capabilities, or add origination capacity to recapture loans, said Jennifer Fuller, managing director at Houlihan Lokey. If they're able to access capital to grow even further and consolidate, that group could dominate the market even more."
Mergers and acquisitions dominated mortgage-industry activity in 2025, comprising the bulk of reported transactions while many private deals went undisclosed. Major transactions included moves by Rocket Companies, Bayview Asset Management, and United Wholesale Mortgage, reshaping origination and servicing footprints. Consolidation extended into mortgage servicing rights (MSR) portfolios as firms pursued market share, cross-selling opportunities, and future refinance flows once rates decline. Debt markets became more favorable for issuers, giving larger firms with capital access an advantage to grow and further consolidate. Higher rates and lower sales volumes pressured smaller companies, prompting partnerships, acquisitions, or closures.
#mortgage-industry-consolidation #mergers--acquisitions #mortgage-servicing-rights-msr #capital-markets
Read at www.housingwire.com
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