Rocket : 2023 ESG Report

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A front door is not just an entry point - it's

the threshold to homeownership.

TABLE OF CONTENTS

A LETTER FROM OUR LEADERSHIP

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A garden is not just a green space - it

fosters a sense of community.

An office is not just a work place - it's an innovation hub where our team members can be themselves.

F U E L E D BY A I T EC H N O LO GY A N D O U R EXT R AO R D I N A RY C U LT U R E , RO C K ET T E A M

M E M B E R S A R E O N A M I S S I O N

TO C R E AT E A N I N C L U S I V E E N V I RO N M E N T T H AT W I L L HELP EVERYONE HOME .

OUR COMPANY
AND GOVERNANCE	4
ALWAYS RAISING OUR LEVEL
OF AWARENESS.
• About Rocket Companies	4
• 2023 Company Performance
Highlights	5
• Our ISMs	6
• 2023 ESG Report Highlights	7
• Corporate Governance And Behavior....	8
OUR CLIENTS	16
EVERY CLIENT. EVERY TIME.
• Helping Everyone Home	17
• Protecting And Respecting
Our Clients	23
OUR COMMUNITIES	25
OBSESSED WITH FINDING A
BETTER WAY.
• Housing Stability For All	26
• Closing The Digital Divide
In Our Communities	30
• Our Team Members Make
An Impact	32
• Protecting Our Shared Environment	34

OUR TEAM MEMBERS
AND CULTURE	36
WE ARE THE "THEY."
• Diversity, Equity and Inclusion
(DEI) In Our DNA	37
• Empowering Our Teams	42
• Supporting Our Team
Members' Goals	45
• Promoting Team Member
Health And Well-Being	47
• Creating An Inclusive
Supply Chain	49
ABOUT THIS REPORT	51
INDICES	52

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A LETTER FROM OUR LEADERSHIP

DEAR STAKEHOLDERS,

At Rocket Companies, we proudly call ourselves a "For-More-Than-Profit" company because we believe that true success stems from making a positive impact. One of our core philosophies, or ISMs, is "Do the right thing." This guiding principle helps us create measurable benefits for our clients, communities and team members. We firmly believe that our company and community are inextricably linked. This commitment is a key reason why we have ranked in the Top 30 of Fortune Magazine's list of the 100 Best Companies to Work For 21 years in a row. This report celebrates those achievements and the hard work behind them.

We are driven by our mission to Help Everyone Home through the power of artificial intelligence (AI). Homeownership is an essential part of the American dream and stands for stability, financial security and a reliable means of building intergenerational wealth. We understand the gravity and importance of our mission, and we undertake this endeavor with passion and care. Traditionally, the homeownership process has been stressful and inefficient. We are committed to redefining the experience to make it easy, accessible and seamless through AI. As the largest FHA lender by loan count, we aim to broaden access to homeownership for underserved communities through programs such as ONE+, HomeReady® and Home Possible®.

Our mission to Help Everyone Home also extends to housing stability through the work of our philanthropic partner, Rocket Community Fund. In 2023, we meaningfully reduced

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homelessness through our Built for Zero initiative, helped people stay in their homes through Neighbor to Neighbor and supported Detroit residents in becoming homeowners through the Make It Home program.

Over the last 13 years, we have contributed more than $230 million to increase housing stability for all through programs that bridge the digital divide, prevent displacement, end homelessness and build homeownership. Beyond housing, we've also had a positive impact on the environment by recycling more than 172,000 pounds of e-waste for redistribution. In the summer of 2023, we celebrated reaching 1 million volunteer hours donated by Rocket team members nationwide.

I am inspired and motivated by our work and the impact we have made. I look forward to continuing our environmental, social and governance (ESG) journey, and creating value for our investors, clients and team members while we Help Everyone Home.

Sincerely,

VARUN KRISHNA

Chief Executive Officer and Director,

Rocket Companies

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OUR COMPANY AND GOVERNANCE

ALWAYS RAISING OUR LEVEL OF AWARENESS.

ABOUT ROCKET COMPANIES

We are a Detroit-based fintech company specializing in mortgage, real estate and personal finance business. We are committed to delivering industry-best client experiences through our AI-fueled homeownership strategy. Our full suite of products empowers our clients across financial wellness, personal loans, home search, mortgage finance, title and closing. We believe our widely recognized Rocket brand is synonymous with simple, fast and trusted digital experiences.

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OUR COMPANY

OUR CLIENTS

OUR COMMUNITIES

OUR TEAM MEMBERS AND CULTURE

2023 COMPANY PERFORMANCE HIGHLIGHTS

$	$	$
3.8B	79B	9.0B
TOTAL	MORTGAGE	TOTAL
REVENUE	ORIGINATION VOLUME	LIQUIDITY1

#1 LARGEST	74 NET PROMOTER SCORE
• • • • • • • • • • • • • • • • • • • • • • • • • •
RETAIL LENDER	• • • • • • • • • • • • • • • • • • • • • • • • • •
IN AMERICA2	• • • • • • • • • • • • • • • • • • • • • • • • • •
	• • • • • • • • • • • • • • • • • • • • •

	2.5M	$
97%	CLIENT LOANS	509B
SERVICED UNPAID
	SERVICED	PRINCIPAL BALANCE
	#1 IN CLIENT
	SATISFACTION 21 TIMES
NET CLIENT	BY J.D. POWER FOR PRIMARY MORTGAGE
RETENTION RATE3	ORIGINATION AND SERVICING

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$1.7T+

TRANSACTION VOLUME

SINCE INCEPTION

+14%

PURCHASE

MARKET SHARE

GROWTH

(2023 VS. 2022)

+10%

REFINANCE

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OUR COMPANY

OUR CLIENTS

OUR COMMUNITIES

OUR TEAM MEMBERS AND CULTURE

OUR ISMS

OUR CULTURE is based on specific philosophies that we call "ISMs." Each one shares how we can succeed and what we value.

In late 2023, we modernized, simplified and consolidated our ISMs from 20 down to 16 philosophies that unite our culture of excellence. These ISMs define who we are, not what we do.

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Always raising our	Obsessed with	You'll see it when	The inches we need are
level of awareness.	finding a better way.	you believe it.	everywhere around us.

Launch and	Ignore the	Every client.	Responding with
learn.	noise.	Every time.	a sense of urgency
			is the ante to play.

It's not about who	We are the	We'll figure	Innovation is
is right; it's about	"they."	it out.	rewarded. Execution
what is right.			is worshipped.

Numbers and money	Simplicity is	We eat our own	Do the
follow; they do not lead.	genius.	dog food.	right thing.

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OUR COMPANY

OUR CLIENTS

OUR COMMUNITIES

OUR TEAM MEMBERS AND CULTURE

2023 ESG REPORT HIGHLIGHTS

Ranked #11 on Fortune Magazine's list of 100 Best Companies to Work For

Ranked #2 on People Magazine's 100 Companies That Care

Nation's largest Federal Housing Administration (FHA) lender by loan count

1 million volunteer hours donated by Rocket Companies team members nationwide

Over 150,000 households enrolled in the Affordable Connectivity Program

172,194 pounds of e-waste recycled for redistribution

Over $230 million contributed to community organizations and programming since 2010

OUR APPROACH TO ESG

Guided by our ISMs, our ESG strategy is focused on creating impact for our stakeholders, including our work with clients, communities and team members.

Our ESG Steering Committee, composed of senior leaders in the company, connects on a quarterly basis and provides oversight of environmental, human capital, corporate social responsibility, corporate governance, sustainability and other public policy matters relevant to the company, with periodic reporting to our board.

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OUR COMPANY

OUR CLIENTS

OUR COMMUNITIES

OUR TEAM MEMBERS AND CULTURE

CORPORATE GOVERNANCE AND BEHAVIOR

OUR BOARD

The Board of Directors is composed of directors with diverse attributes, qualifications, skills and experience relevant to our business and well positioned to serve the long-term interests of our stakeholders. Our board has delegated various responsibilities and authority to committees, which are comprised of our Audit Committee, Compensation Committee and Nominating and Governance Committee. Each committee operates under a written charter approved by our board, which is reviewed periodically by the respective committee. In addition, our Corporate Governance Guidelines set forth the key principles and processes to help our board exercise its responsibilities and serve the interests of the company and its stockholders. The charters of each committee and the Corporate Governance Guidelines are available on the Governance tab at ir.rocketcompanies.com.

The board is divided into three classes, designated as Class I, Class II and Class III, and each class serves for a term of 3 years. Our directors have staggered, multiyear terms, so that not all the directors' terms expire simultaneously, providing leadership continuity at the highest level. Our Nominating and Governance Committee is focused on board succession and regularly reviews this topic at the committee level.

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2023 HIGHLIGHTS

• 56% board diversity (in terms of gender and ethnicity)
• Comprehensive Code of Conduct and Ethics
• Periodically review our board committee charters
• Align our information security program
  to the National Institute of Standards (NIST) cybersecurity framework

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OUR COMPANY

OUR CLIENTS

OUR COMMUNITIES

OUR TEAM MEMBERS AND CULTURE

Class I (Terms Expiring in 2024)

Class II (Terms Expiring in 2025)

Class III (Terms Expiring in 2026)

BILL EMERSON	DAN GILBERT	VARUN KRISHNA
President,	Chairman of the Board and Founder,	Chief Executive Officer and Director,
Rocket Companies	Rocket Mortgage	Rocket Companies

JENNIFER GILBERT	ALEX RAMPELL4	MATTHEW RIZIK
Founder and Chief Executive	General Partner,	Chief Executive Officer,
Officer, Amber Engine;	Andreessen Horowitz	ROCK
Creative Director, POPHOUSE

JONATHAN MARINER	NANCY TELLEM	SUZANNE SHANK
Founder and President,	Executive Chairperson,	President, Chief Executive Officer
TaxDay, LLC	Eko	and Co-Founder, Siebert Williams
		Shank & Co., LLC

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OUR COMPANY

OUR CLIENTS

OUR COMMUNITIES

OUR TEAM MEMBERS AND CULTURE

BOARD DIVERSITY

As outlined in our 2024 Proxy Statement, our diverse board has an appropriate mix of skills, expertise and experience to oversee critical matters of our company, represent the interest of our stakeholders and effectively oversee our strategy. Our two newest directors, Varun Krishna and Alex Rampell, bolster the product and fintech expertise of the board and reflect our commitment to AI-fueled homeownership.

Board Training and Education

Guided by our ISM of "Always raising our level of awareness," we provide training and resources to support our directors as they carry out their duties and responsibilities. This includes presentations by our management team or our board's advisors on Rocket's business, compliance efforts, applicable legal, regulatory or other developments or other matters deemed appropriate by our board or Nominating and Governance Committee. In addition, the company and each director are members of the National Association of Corporate Directors (NACD). As NACD members, the company and each board member have access to various instructional programs, training resources and networking opportunities.

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33%	11%
FEMALE	ASIAN

56%

OVERALL DIVERSITY

The majority of our board is diverse in terms of gender and ethnicity.

22%	59
AFRICAN AMERICAN	AVERAGE AGE