#1Rocket Companies Investor Presentation May 2022 ROCKET Companies#2ROCKET Companies Disclaimer This presentation contains and related discussions may contain "forward-looking statements" within the meaning of U.S. federal securities laws. Forward-looking statements include information concerning possible or assumed future results of operations, Rocket Companies, Inc.'s (the "Company") business plans and strategies, the Company's ability to cross-sell and up-sell the Company's products, and expansion into new markets. You can identify forward-looking statements by the use of words such as "may," "might," "will," "should," "could," "would," "expect," "plan," "anticipate," "believe," "estimate," "project," "predict," "intend," "future," "potential," "suggest," "target," "forecast," "continue," and, in each case, their negative or other various or comparable expressions. Forward-looking statements are not historical facts, and are based upon management's current expectations, beliefs, estimates and projections, and various assumptions, many of which are inherently uncertain and beyond the Company's control. Such expectations, beliefs, estimates and projections are expressed in good faith and management believes there is a reasonable basis for them. However, there can be no assurance that management's expectations, beliefs, estimates and projections will be achieved, and actual results may differ materially from what is expressed in or indicated by the forward-looking statements. Forward-looking statements are subject to risks and uncertainties that could cause actual performance or results to differ materially from those expressed in the forward- looking statements, including: the continuing risks posed by the COVID-19 pandemic on the Company's ability to generate business, including originate and service mortgages; changing economic conditions, changing real estate market conditions, changes in U.S. monetary policies that affect interest rates, changing regulations, new interpretations of existing laws, and difficulties and delays obtaining or maintaining required licenses or approvals; the Company's ability to adapt and to implement technological changes; the Company's ability to retain customers for a long period of time; the Company's ability to comply with evolving laws, regulation and industry standards addressing information and technology networks, privacy and data security; the Company's ability to protect its products and services from potential cyberattacks and other data and security breaches; the Company's reliance on its loan funding facilities to fund mortgage loans and otherwise operate its business; and other risks, uncertainties and factors detailed in the Annual Report on Form 10-K, Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K, and other filings with the U.S. Securities and Exchange Commission (the "SEC") by the Company. Forward-looking statements speak only as of the date the statements are made. The Company assumes no obligation to update forward-looking statements to reflect actual results, subsequent events or circumstances or other changes affecting forward-looking information except to the extent required by applicable securities laws. This presentation also contains references to earnings before interest and amortization expense on non-funding debt, income tax, and depreciation and amortization, net of the change in fair value of mortgage servicing rights ("MSRs") due to valuation assumptions (net of hedges), share-based compensation expense, and a litigation accrual ("Adjusted EBITDA"), total revenues net of the change in fair value of MSRS due to valuation assumptions (net of hedge) ("Adjusted Revenue"), tax-effected earnings before share-based compensation expense, the change in fair value of MSRS due to valuation assumptions (net of hedges), loss on extinguishment of Senior Notes, a litigation accrual, Change in Tax receivable agreement liability, and the tax effects of those adjustments ("Adjusted Net Income") and other measures that are not based on accounting principles generally accepted in the United States, or non-GAAP financial measures. These non-GAAP financial measures are in addition to, not a substitute for or superior to, measures of financial performance prepared in accordance with GAAP. The non-GAAP financial measures used by the Company may differ from the non-GAAP financial measures used by other companies. Refer to the Appendix section for definitions of these measures and reconciliations to the most comparable GAAP measures. The information contained in this presentation does not purport to be accurate or complete and is subject to change. Actual characteristics and performance may differ from the assumptions used in preparing these materials. Changes in assumptions may have a material impact on the information set forth in this presentation. In preparing this presentation, we have relied upon and assumed, without independent verification, the accuracy and completeness of all information available from public sources. Without limiting the generality of the foregoing, no audit or review has been undertaken by an independent third party of the financial assumptions, data, results, calculations and forecasts from public sources contained, presented or referred to in this document. This presentation shall not constitute an offer to sell or the solicitation of an offer to buy these securities, nor shall there be any sale of these securities in any state or jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such state or jurisdiction. See endnotes for important information at the end. 2#3Starting With A Simple Idea... In the early days of the internet era, our Founder and Chairman Dan Gilbert committed the company's entire resources to moving online. "WE MUST take this great technology to the internet" - DAN GILBERT, 1998 3#4Building a Technology Giant $1.5T+ Transaction Volume Since Inception Sources: Company filings, Inside Mortgage Finance (1) See endnote #3 for a definition of our net client retention rate. Since 2017 our net client retention rate has been 90%+. (2) Net promoter score for Q1 2022 and number of client loans serviced as of March 31, 2022 #1 Home Lender in America 77 Net Promoter Score² 204M Unique Visitors in 2021 9:41 ROCKET Mortgage You're pre-approved for a loan up to $456,000 all Max. loan amount $456,000 Home price $330,000 Down payment $45,000 Est. mortgage payment $1,320 Edit Terms Download Letter My Offer Was Accepted ROCKET Companies 36 Year Operating History 90%+ Net Client Retention Rate¹ 2.6M Client Loans Serviced² 4#5A Platform Creating Certainty in Life's Complex Moments Home Search And Sales Brand Home Financing Personal Finance PRODUCTS FOUNDATION: OUR CULTURE Technology Drives Efficiency PILLARS OF THE PLATFORM Data Solutions Auto Purchase Rocket Cloud Force Solar Partners ROCKET Companies 5#6Investment Highlights The Rocket platform was built to transform complex transactions, driving long-term profitable growth at scale. 5 4 1 2 3 Massive, Fragmented Markets ROCKET Companies Superior Consumer Experience Trusted, Digital-First Brand Platform Advantage Proven Leadership and Culture#71 11 Congress Massive, Fragmented Markets makana XX00000 EXT ROCKET Companies Griswold MA=====OR BEA#8Massive Market Opportunity Sources: Bureau of Economic Analysis, Bloomberg, National Association of Realtors, Mortgage Bankers Association, Edmunds, Research and Markets, U.S Census Bureau, Transunion, and CMHC Residential Mortgage Data. Rocket competes in some of the largest, most complex segments of the economy: Mortgage Real Estate Auto Financial Services Solar 30% of U.S. GDP $6TN TAM ROCKET Companies 8#9ROCKET Companies 11 Many Americans, about 40%, say buying a new home is the most stressful event in modern life. - HOUSING WIRE 9#10Home Ownership Priorities are Accelerating A demographic wave of almost 70M Americans aged 20-34 is entering home ownership for the first time, demanding digital transformation of the real estate experience. ROCKET Companies 75% Of clients using online platform are first-time homeowners or Millennials Source: U.S. Census Bureau, National Association of Realtors, Zelman & Associates. 21.1 15-19 21.6 ~70M 23.5 22.4 25-29 21.7 30-34 35-39 20-24 40-44 Current US Population by Age Cohort (M) 19.9 20.4 45-49 ROCKET Companies 10#11Rocket is Positioned to Lead Our Industries Our markets remain highly fragmented compared to other large industries that moved online earlier - like e-commerce, travel, or tax prep. Rocket is positioned to lead the digital transformation of our industries. Source: Equity Research 50% 40% 30% The Potential 20% 10% C 0% Mortgage MARKET SHARE OF CATEGORY LEADERS charles SCHWAB Retail Brokerage amazon E-Commerce intuit. Tax Prep ROCKET Companies B. Booking.com ....... Online Travel 11#122 Superior Consumer Experience ROCKET Companies 5 12#13Superior Consumer Experience In complex transactions where the legacy experience can be confusing and discouraging, Rocket provides simple, fast, and trusted digital solutions. TRADITIONAL INDUSTRY EXPERIENCE Transactional Confusing Time-Consuming Uncertain ROCKET EXPERIENCE Personalized Transparent Simple Certain ROCKET Mortgage Current Home Future Home Change Timeframe: 3-5 years Your Info Your Mortgage Since you plan to live in the home 3 to 5 years, we recommend this mortgage. Our Recommendation 30-Year Fixed Other Loan Options Estimated Loan Amount Estimated Monthly Payment Interest Rate / APR (%) 30-Year Fixed Approval 5/6 ARM 30-Year FHA (888) 452-8179 $300,000.00 $1,389.00 3.75/3.975 ROCKET Companies Loan Details Want flexibility to modify this loan? You can adjust the term (length) and interest rate until you're comfortable with the numbers. Talk To Us 8 Sign Out Chat Now 13#14Simplifying Complex Transactions Rocket's proprietary technology delivers a seamless digital experience for our clients. Personalized Experience Real Options Verified Approval Digital Closing One Tap to Live Experts 9:41 ROCKET Mortgage Got it! That covers the basics. Now, let's talk numbers. We'll cover things like wages, salary, and bonuses. 3 minutes remaining Continue Save For Later 9:41 ROCKET Mortgage You're pre-approved for a loan up to $456,000 Max. loan amount Home price Down payment Est. mortgage payment Edit Terms My Offe X $456,000 $330,000 $45,000 $1,320 Download Letter Was Accepted 9:41 01 Home Discover Download your letter. You're pre-approved for for a loan up to $456,000! You can also verify your assets and increase your chances to close, even compete against cash offers. Learn More ROCKET Companies My Offer Was Accepted all? Home Profile 14#15Rocket's End-to-End Home Buying Experience Illustrative transaction: Home Search ROCKET Homes Home Buying & Selling Home Financing Home Closing ROCKET AMROCK Homes ROCKET Mortgage $13,500 + $3,000 450 bps $300K mortgage¹ 1% real estate agent commission ROCKET Mortgage ROCKET Homes + $1,500 + Appraisal, closing, title AMROCK Mortgage Servicing ROCKET Mortgage $$$ Cross-Sell Opportunities (1) The illustrative 450bps above includes the MSR value, which is the present value of future revenue received for servicing over the life of the mortgage. $18,000+ ROCKET Companies Cross-Sell Opportunities ROCKET Auto ROCKET Companies Home Solar $ Personal Finance 15#16Expanding Across Product Categories Leveraging advantages in client acquisition, data, and technology, the Rocket platform is expanding across complex transactions including home search and sales, automotive retail, personal finance, and residential solar 10:18 Q Detroit, MI 12 homes for sale Homes Near Detroit, MI NEW ROCKET Homes 227 William Dr, Detroit, MI 48201 $309,900 5 Beds 3 Baths Bob Johnsonville Listing Office: Century 21 Curran & Christie NEW 8 Riveting Rd, Detroit, MI 482011 Q Search 8 191 OL Save Search 3D TOUR Est. $900/mo 2,361 SqFt #412541258 MREAL SOURCE Map ROCKET Homes 11₁3 1:14 = ROCKET Auto 127 Matches Search Save Search SUV X Mazda X Q '20 Mazda CX-9 Grand Touring SUV $31,595 32K Miles Third Ro Year: Low to High ROCKET Auto 2:25 4 ROCKET Loans Simple. Fast. Personal Loans. Apply Now bee loan options tailored to you. Checking your options won't affect your credit score. Why Rocket Loans? Completely Rocket Fast Online Instant Offers No Hidden Fees ROCKET Loans 12:22 THIS MONTH'S SPEND $4,001 KOH Payday in 3 days ● Checking ● Tue, Jul 27 Card Balance Net Cash ● Savings Dashboard ● Investments Recurring Spending $143 below avg. spend $9,067 $2,443 $6,625 Ⓒ $598 v $9,067 v Last Sync 7 hours ago | Sync now Grow Transactions Truebill ROCKET Companies 16#17Powered by Proprietary Technology Stack Proprietary technology developed by 3,000+ technology and product strategy team members drives our entire operating process. Proprietary Software Drives Entire Stack Note: Volume per production team member is as of 12/31/2021. Source: MBA industry study. See slide 31 for additional detail. DIGITAL POINT-OF-SALE PARTNER API PLATFORM Digital Client Acquisition Software- Driven Workflows Client Servicing & Retention DATA SCIENCE FOUNDATION ROCKET Companies >3x Industry Average Transaction Volume per Production Team Member 17#18Backed by the Rocket Cloud Force Our highly-trained Rocket Cloud Force is focused on delivering award-winning client experiences and optimizing profitability. 6.8K Sales Professionals 1M+ Client interactions per month Ę ROCKET Companies Cº 18#19Extending to our Partners We enable clients to engage with the Rocket platform in the way that works best for them, including with our Rocket Professional partners or integrated directly in partner digital experiences via our APIs. Rocket Pro Current Mortgage Info Here's where we cover the basics when it comes to your client's current mortgage. We need to know about their remaining balance and monthly payment. We also need to know if they've ever had, or are interested in, a VA loan How much cash does your client want to take out? $ 50,000 What is your client's current monthly mortgage payment? $ 1,600 Does that payment include property taxes and/or homeowners insurance? Yes No What is your client's current mortgage balance? $ 87,550 Approximately what is their home worth today? $397,000 Is your client interested in and eligible for a VA/Military loan? No Progress Summary Save And Continue V wwwww Clients Show: Submitted Loan Number TBD David Baker Pending Client Consent Last Updated 11/11/2021 Q Refer New Client Sara Jackson Start New Loan Primary Contact Jessica González (313) 545-4835 Loan Number TBD View Loan Pending Client Consent 1:30 PM ( 68 API Platform CONSUMER DATA 8 Consumer Record Contact Email Consumer Property Record Consumer Household COMMUNICATION Call SMS Text Task Router Contact Voice Journal Entry Qualification Consumer Privacy Email WORK MANAGEMENT s ROCKET Companies Chat Notification Service Print Document 19#20Rocket + Salesforce Partnership Mortgage as a Service (MaaS) ROCKET Mortgage + salesforce We are extending our best-in-class mortgage technology platform outward to financial institutions. Banks and credit unions can focus on nurturing client relationships and offer mortgage more profitably. (1) Excludes residential loan volume from the top 4 banks. Note: Mortgage as a Service will be offered through Salesforce Financial Services Cloud, target launch in 2022. ROCKET Companies $1T+ Residential Mortgage Loan Volume in 2020¹ 10K Banks and Credit Unions Massive incremental market opportunity 20#21Rocket's Acquisition of Truebill¹ #1 Consumer Tech Company² 1.7M Premium Paying Members³ Disnry + Cancel this for me Save time and effort by letting Truebill cancel your subscription for you! Start my cancellation Looking to cancel yourself? Try one of the options below? Cancel by Phone Helping Consumers Manage Their Entire Financial Lives Cancel by Email Cancel subscriptions 12:22 □ Upcoming R Coming up You have 4 recurring charges due within the next 7 days. today A Arcadia $ View Calendar in 2 days Netflix in 3 days Rent ROCKET + Truebill Companies in 3 days Audible In 5 days Payday Recurring A Dashboard Recurring Spending All $1,582 $67-$112 $11.99 $1.200 $14.95 $1,500 brow + Lower bills a Transactions 12:22 a Monthly $5k $2.5k $0 Apr Mey (1) Deal closed in December 2021. (2) The Information's List of 50 Most Promising Startups (3) Premium paying members, transaction volume analyzed per month and annualized recurring revenue as of March 2022. Spending Jun Earned So Far Next pay day in 2 days. Current Spend $2.3k less than Aug Earned Spont Bills Paid $94 budget romeining Left for Spending $125/day for 14 days A G 合 Dashboard Recurring Spending Jul Aug $2,443 > $247 > $1,503 > $1,750 Glow Q Transactions Track spending 12:22 Manage Budget BUDGET BASICS $ YA Monthly Income $4,876 last month. BUDGET CATEGORIES e Bills & Utilities $1,264 last month You have $1,251 remaining after bills 8 Dining & Drinks $305 last month Groceries $243 last month. Everything Else $765 last month $4,876 + Add a Budget $1,264 J $350 J $245 $805 > X Manage budget 12:22 750 725 700 B B Credit Score B 743 Good CREDIT REPORT CARD Apr May 3 Recent Events. Payment History High Impact Card Usage High Impact. Account Age Medium Impact Next update ind days + 9 points Past 24 days Jul Aug as of 24 days ago Good > 43% > X 3rs, 4mos Improve credit ROCKET Companies $50B Transaction Volume Analyzed/Month³ $100M+ Annualized Recurring Revenue³ 21#223 Trusted Digital-First Brand ROCKET Companies 22#23Trusted, Digital First Brand Dream House Commercial с ROCKET Homes ROCKET Mortgage Rocket's 2022 Super Bowl ad ranked #1 by USA Today's Ad Meter ROCKET Companies 23#24With National Brand Recognition Rocket's trusted, nationally recognized, digital-first brand, backed by billions of dollars of investment over many years, is a competitive advantage that is difficult to replicate. #1 T Most Differentiated Brand in Mortgage¹ rtgage (1) Ranking per Company Brand Health Study 20 16 KET ESTRO -1 ROCKE ROCKET Mortgage Classic PAR 4 YAR Moneylion ROCKET PO ROCKET Mortgage Classic ROCKET Mortgage SUPER BOWL SQUARES 24#25Unmatched Brand Equity Millions of clients have had positive experiences with Rocket, generating substantial brand equity and a significant competitive advantage. Rocket Mortgage has earned 19 J.D. Power awards for client satisfaction. PRIMARY MORTGAGE ORIGINATION ST CIST ID PRIMARY MORTON J.D.F 11 CONSECUTIVE YEARS 2010 - 2020 ER SATRACTION DWER CERTATEDR KORTGAGE 77 Net Promoter Score¹ acum (1) Net promoter score for Q1 2022. (2) See endnote #3 for a definition of our net client retention rate. Between 2017 and 1Q 2022, our net client retention rate has been 90%+. X-2020 TISFACT PRIMARY MORTGAGE SERVICING A LING M COHEST CONTO TARY M CUSTOM J.D.PC MORTONG 8 CONSECUTIVE YEARS 2014 - 2021 LATISFACTION WER PERTEM ITGAGE 90%+ Net Client Retention² 3303 MEMAKKE ROCKET Companies ER UFACT 25#264 Platform Advantage ROCKET Companies 26#27The Rocket Flywheel The core of our economic flywheel is that we are constantly leveraging our profitability advantages to reinvest in the business, further strengthening our competitive position. CO Pillars of the Platform 600l 38 OCH $ Proven Efficiency Scaling New Businesses Unmatched Scalability C Multiple Growth Channels Continuous Market Share Gains Leveraging Data Lake ROCKET Companies 27#28Multiple Drivers of Growth DIRECT-TO-CONSUMER Investing in brand and client acquisition Growing digital adoption RETAINING CLIENTS FOR FUTURE TRANSACTIONS ● ● 90%+ Net Client Retention¹ Lifetime repeat transaction and cross-sell opportunity ROCKET Mortgage O Refinance Goal O Borrower Info O Home Info O Mortgage Info O Your Loan Solution O Government Questions Income And Assets Ⓒ Finishing Up O Rate Lock 19 V B View All Loans Based on your refinance goal to: Lower My Mortgage Payment Our Recommendation Your Mortgage Based on your credit score and your goal to lower your monthly payment, we recommend this mortgage. The following numbers are estimates and can change slightly between locking your rate and closing on your loan. Save $360/month 30-Year Fixed Here's how we calculated your savings: Current Monthly Payment New Monthly Payment Monthly Savings Current Mortgage Info (1) See endnotes #3 for a definition of our net client retention rate. Between 2017 and 2021 our net client retention rate has been 90%+. Appennialay add in the hang muli kanday? (888) 452-8179 $1,556 - $1,196 $360 Talk To Us Sign Out Chat Now Summary POWERED BY ROCKET Pro POWERED BY ROCKET Mortgage POWERED BY ROCKET Mortgage Technology PARTNER NETWORK Extending brand and technology to partners Adding new partners Increasing share with existing partners ● ROCKET Companies ROCKET Pro TPO Includes nearly 8,000 partners Morgan Stanley State Farm mint credit karma charles AMERICAN SCHWAB EXPRESS ROCKET + salesforce Mortgage Mortgage as a Service 28#29Long-Term Mortgage Market Share Gains 1.3% $25 2009 1.6% $28 2010 2.0% $29 2011 3.4% $69 2012 4.4% Note: Denominator based on MBA mortgage volume estimates as of January 2022. $77 2013 5.1% $57 2014 4.8% $78 2015 Rocket Originations ($ in B) 5.0% $95 2016 5.0% $86 2017 Rocket Market Share 5.0% $83 2018 6.4% $145 2019 7.8% $320 2020 ROCKET Companies 8.8% $351 2021 29#30Unmatched Scalability Rocket's technology-driven platform enables true scalability in large, complex markets that historically required manual operations, limiting the scalability of legacy players GO $206 bn Rocket Mortgage ROCKET Mortgage Note: Excludes correspondent volume Source: IMF, company filings (1) Volume Growth represents incremental closed loan volume achieved in FY 2021 over FY 2019 - $119 bn #2 Lender Volume Growth¹ ~2x Any Other Lender - $92 bn #3 Lender - $77 bn ROCKET Companies #4 Lender ~ $60 bn #5 Lender 30#31Proven Efficiency Highly efficient operating model with the ability to drive substantial scale from a single platform with limited incremental cost. 6.7 2019 ROCKET Companies 9.6 2021 Source: MBA industry study (1) See endnote #1 and #2 for more detail. # of Loans per Production Team Member per Month 2.3 2019 2.5 2021 Industry ROCKET Companies >3x Industry Average Transaction Volume per Production Team Member ^ 31#32I Strong Client Base Unlocks Platform Potential 90%+ Retention drives substantial lifetime value advantages, with repeat transaction opportunities across home, auto, personal finance, and other categories over the client's life. Net Client Retention Rate(1) 90%+ 2017 - Q1'22 (1) See #3 in endnotes for our net client retention rate definition. (2) Client loans serviced as of March 31, 2022 22 ($ 2.6m Client loans serviced² $1.4b+ Annual cash collected from Servicing Fee Income Enables repeat transaction and cross-sell opportunities ROCKET Companies 32#33I Scaling New Businesses A key advantage of the Rocket Companies platform is our ability to test, launch and rapidly scale new business models. RocketHomes.com Average Unique Monthly Visits (1) See #4 in endnotes for details on our Gross Merchandise Value metric. 2019 >10x 2021 Rocket Auto Gross Merchandise Value¹ 2019 >3x 2021 ROCKET Companies 33#345 Proven Leadership and Culture Refer/ IH ROCKET Mortgage ROCKET Companies ROCKET Companies WORK HARD. PLAY HARD. 34#35Proven Leadership Team Proven track record over 3 decades que ($) ROCKET Companies Current leadership team has been with organization more than 2 decades on average Robust pipeline of talent to continue. to grow business 35#36Rocket Companies Leadership TIM BIRKMEIER President Rocket Mortgage 26 Years JAY FARNER Vice Chairman & Chief Executive Officer Rocket Companies 27 Years HEATHER LOVIER Chief Client Experience Officer Rocket Mortgage 19 Years ANGELO VITALE General Counsel Rocket Companies 25 Years NICOLE BEATTIE CEO Amrock 19 Years BILL BANFIELD Chief Risk Officer Rocket Mortgage 24 Years BOB WALTERS President & Chief Operating Officer Rocket Companies 26 Years BRIAN BROWN Chief Accounting Officer Rocket Companies 8 Years VICTOR YOU President Rocket Auto 21 Years DOUG SEABOLT CEO Rocket Homes 14 Years Note: Years indicate tenure at Rocket 1. Tenure at Truebill, which was acquired by Rocket in December 2021 JULIE BOOTH Chief Financial Officer & Treasurer Rocket Companies 19 Years BRIAN WOODRING Chief Information Officer Rocket Mortgage 5 Years ROCKET Companies TODD LUNSFORD President Rocket Loans 25 Years JENN STEEVES-KISS Chief Experience Officer Rocket Central 3 Years HAROON MOKHTARZADA CEO Truebill 8 Years¹ 36#37Culture is Our Foundation Dan Gilbert, our founder and Chairman, purposefully created a strong cultural foundation of core principles, or "ISMs", as a cultural operating system to guide decision-making by all our team members. Road Trip Edition FAMILY OF COMPANIES 1SMS In Action 20 F 1420 ISMS IN ACTION ROCKET Companies Innovation is rewarded. Execution is worshipped. Obsessed with finding a better way. Simplicity is genius. Every client. Every time. No exceptions. No excuses. 37#38Love Our Team Members Our team members put the ISMs into action every day. The result is an empowered and passionate team aligned in a common mission. ESSENCE Forbes #1 Best Workplace for African Americans 2015 The Best Employers for Women 2018 Great Place To Work Best Workplaces™ for Parents 2019 Great Place To Work Best Workplaces™M for Diversity 2019 People Companies that Care 2020 ī Forbes #3 America's Best Employers for Diversity 2021 ROCKET Companies FORTUNE 100 Best Companies to Work ForⓇ 2020, 2021, 2022 38#39For More Than Profit Ve MIT 1 ROCKET Companies (1) $500M Next 10 years commitment to community programs $200M+ Contributed to community programs (2) 800K+ Volunteer hours nationwide 50% Volunteer hours in Detroit (2) (2) (1) Reflects announcements by the Gilbert Family Foundation and our partner company, the Rocket Community Fund, to deploy strategic contributions to community organizations in Detroit neighborhoods. The Rocket Community Fund uses funds provided by Rocket Companies to make donations to charitable entities and investments in the communities in which we operate. (2) Amounts above reflect activity from 2010-2020 and include contributions and volunteer hours from Rocket Companies' and our partner companies including Rocket Community Fund. 39#40A Appendix ROCKET Mortgage by Quichen Lere Refer/ ROCKET Companies 40#41Financial Highlights Summary Financials¹ (Units in '000s and $ in M) Closed Loan Volume YOY Growth % QoQ Growth % Net Rate Lock Volume YOY Growth % QoQ Growth % Gain on Sale Margin Amrock Closings (units) YOY Growth % Rocket Auto car sales (units) Adjusted Revenue YOY Growth % QoQ Growth % Adjusted EBITDA % Margin Adjusted Net Income % Margin (1) See endnote #1 for non-GAAP reconciliations. 2020 $320,209 121% N/A $338,667 123% N/A 4.46% 1,040.1 134% 32.1 $16,938 187% N/A $11,243 66% $8,286 49% 2021 $351,193 10% N/A $333,790 -1% N/A 3.13% 1,115.1 7% 59.7 $12,427 -27% N/A $6,182 50% $4,502 36% Q1'20 $51,704 132% 2% $56,050 106% 28% 3.25% 165.9 124% 8.3 $2,110 121% 16% $957 45% $683 32% Q1'21 $103,525 100% -3% $95,116 70% -1% 3.74% 348.8 110% 13.6 $4,040 91% -15% $2,452 61% $1,805 45% Q1'22 Q2 '22E $53,977 $35,000 - $40,000 -48% -29% $49,614 $31,000 - $38,000 -48% -27% 3.01% 168.3 -52% 13.1 $1,931 -52% -21% $450 23% $293 15% 2.60% - 2.90% ROCKET Companies 41#42Our Companies HOME SEARCH & SALES ROCKET Seamless, fully-integrated home buying and selling experience Homes via real estate agent network and home search site. FOR SALE BY OWNER fi Empowering sellers and buyers with the resources they need to sell or buy properties directly. AUTO PURCHASE ROCKET Auto Platform to assist companies with closing used car sales using a centralized process. B = THI HOME FINANCING ROCKET Mortgage originator and Mortgage servicer that provides clients with an end-to-end digital mortgage experience. AMROCK LENDESK Leading provider of title insurance services, property valuations, and settlement services. 4 Software company specializing in a point of sale system for Canadian mortgage lenders. Edison Digital mortgage broker based in Ontario, Canada. FINANCIAL es PERSONAL FINANCE ROCKET Digital personal lending focused on unsecured loans. Loans Truebill 8 ROCKET Companies core digital media SALES & MARKETING SERVICES LowerMyBills.com Leading personal finance app that helps consumers manage every aspect of their financial lives. Marketing platform that generates client leads for Rocket brands and third parties. ROCKET Shared service organization that Central provides technology, data, marketing, communication and other services across our companies. 42#43Endnotes 1. Reconciliation of Adjusted EBITDA to Net Income ($ amounts in millions) Net income Interest and amortization expense on non-funding debt Income tax provision Depreciation and amortization Share-based compensation expense Change in fair value of MSRs due to valuation assumptions (net of hedges) (a) Litigation accrual (b) Adjusted EBITDA 2022 $1,037 39 26 21 67 (739) Three Months Ended March 31, $450 2021 (Unaudited) $2,777 36 66 15 42 (499) 15 $2,452 2020 $99 33 1 16 42 766 $957 Year Ended December 31, 2021 $6,072 231 113 75 164 (487) 15 $6,182 2020 (Unaudited) $9,399 186 132 74 163 1,288 $11,243 Note: Certain figures in the tables throughout the endnotes may not foot due to rounding. (a) Reflects changes in assumptions including discount rates and prepayment speed assumptions, mostly due to changes in market interest rates, and the effects of contractual prepayment protection associated with sales of MSRs. (b) Reflects legal accrual related to a specific legal matter. ROCKET Companies 43#44Endnotes 1. GAAP to non-GAAP Reconciliations Adjusted Revenue Reconciliation ($ amounts in millions) Total Revenue, net Change in fair value of MSRs due to valuation assumptions (net of hedges) (a) Adjusted Revenue 2022 $2,671 (739) Three Months Ended March 31, $1,931 2021 (Unaudited) $4,539 (499) $4,040 2020 $1,344 766 $2,110 Year Ended December 31, 2021 $12,914 (487) $12,427 (Unaudited) 2020 $15,650 1,288 $16,938 (a) Reflects changes in assumptions including discount rates and prepayment speed assumptions, mostly due to changes in market interest rates, and the effects of contractual prepayment protection associated with sales of MSRs. ROCKET Companies 44#451. Adjusted Net Income Reconciliation ($ amounts in millions) Net income attributable to Rocket Companies Endnotes Net income impact from pro forma conversion of Class D common shares to Class A common shares (a) Adjustment to the provision for income tax (b) Tax-effected net income (b) Share-based compensation expense Change in fair value of MSRS due to valuation assumptions (net of hedges) (c) Loss on extinguishment of Senior Notes Litigation accrual (d) Change in Tax receivable agreement liability (e) Tax impact of adjustments (f) Other tax adjustments (g) Adjusted Net Income (c) (d) (e) (f) 2022 6 $54 984 (242) 795 67 (739) 169 1 $293 Three Months Ended March 31, 2021 (Unaudited) $124 2,654 (641) 2,136 42 (499) 15 110 1 $1,805 2020 $- 99 (24) 76 42 766 (200) $683 Year Ended December 31, 2021 $308 5,766 (1,429) 4,646 164 (487) 87 15 19 55 4 $4,502 (Unaudited) 2020 $198 9,203 (2,235) 7,166 163 1,288 44 (8) (371) 5 (a) (b) Rocket Companies will be subject to U.S Federal income taxes, in addition to state, local and Canadian taxes with respect to its allocable share of any net taxable income of Holdings. The adjustment to the provision for income tax reflects the effective tax rates below, assuming the Issuer owns 1 00% of the non-voting common interest units of Holdings. The effective income tax rate for Adjusted Net Income was 25.21 %, 24.87% and 24.82% for the three months ended March 31, 2022, 2021 and 2020, respectively. The effective income tax rate for Adjusted Net Income was 25.21 % and 24.87% for the year ended December 31, 2021 and 2020, respectively. Reflects changes in assumptions including discount rates and prepayment speed assumptions, mostly due to changes in market interest rates, and the effects of contractual prepayment protection associated with sales of MSRs. $8,286 Reflects net income to Class A common stock from pro form a exchange and conversion of corresponding shares of our Class D common shares held by non-controlling interest holders as of March 31, 2022, 2021, 2020 and as of December 31, 2021 and 2020. Reflects legal accrual related to a specific legal matter. Reflects changes in estimates of tax rates and other variables of the Tax receivable agreement liability for which no income tax expense/benefit is recognized. Tax impact of adjustments gives effect to the income tax related to share-based compensation expense, change in fair value of MSRS due to valuation assumptions and litigation accrual at the above described effective tax rates for each period. (g) Represents tax benefits due to the amortization of intangible assets and other tax attributes resulting from the purchase of Holdings units, net of payment obligations under Tax Receivable Agreement. ROCKET Companies 45#46Endnotes 2. "Adjusted EBITDA Margin" calculated as Adjusted EBITDA divided by Adjusted Revenue. 3. We define "net client retention rate" as the number of clients that were active at the beginning of a period and which remain active at the end of the period, divided by the number of clients that were active at the beginning of the period. This metric excludes clients whose loans were sold during the period as well as clients to whom we did not actively market to due to contractual prohibitions or other business reasons. We define "active" as those clients who do not pay-off their mortgage with and originate a new mortgage with another lender during the eriod 4. Gross Merchandise Value is calculated by applying the estimated average unit sales price of the vehicles sold multiplied by the number of units sold during the period. ROCKET Companies 46#47ROCKET Companies