Loan Servicing and Originations - As of September 30, 2025, the company serviced or subserviced 1.4 million loans with a total UPB of $315.5 billion[236]. - In Q3 2025, the company added $24.1 billion of new volume, including $10.9 billion from subservicing additions and $11.9 billion from new Originations production[237]. - The average total servicing and subservicing UPB increased by $4.5 billion or 1.5% during Q3 2025 compared to the prior quarter[240]. - The company serviced all mortgage loan classes, including conventional, government-insured, non-Agency, small-balance commercial, and multi-family loans[236]. - The company's Originations volume growth outpaced the industry, with a 23% increase compared to Q2 2025 and a 53% increase compared to Q3 2024[252]. - The total servicing and subservicing UPB increased by $6.0 billion or 1.9% from June 30, 2025, to September 30, 2025[242]. - The company anticipates continued growth in its servicing and subservicing portfolio through multi-channel originations and MSR bulk acquisitions[299]. - The average servicing fee for owned MSR was 0.29% in Q3'25, consistent with Q2'25, while the average subservicing fee was $173 in Q3'25, up from $170 in Q2'25[297]. - The total UPB of reverse mortgage loans held for investment was $9.585 billion, a 4% decrease from $9.961 billion in the previous quarter but a 22% increase from $7.867 billion year-over-year[336]. - The total servicer advances, net of allowance for losses, reached $435.1 million, compared to $577.2 million as of December 31, 2024[334]. Financial Performance - Net income attributable to common stockholders was $18 million, or $2.19 per share basic and $2.03 diluted[255]. - Total revenue for the three months ended September 30, 2025 increased by $33.7 million, or 14%, compared to the previous quarter, driven by a $16.0 million increase in Servicing revenue and a $17.6 million increase in Originations revenue[260]. - Servicing and subservicing fee revenue reached $217 million, with a total servicing and subservicing UPB of $316 billion[255]. - Total revenue increased to $280.3 million in Q3'25, up from $246.6 million in Q2'25, reflecting a growth of approximately 13.0%[297]. - The company reported a total of $24.5 billion UPB of subserviced loans on behalf of Rithm as of September 30, 2025[333]. - For the nine months ended September 30, 2025, total revenue was $671.4 million, a slight decrease from $672.3 million in the same period of 2024[339]. - The company achieved a 33% increase in total revenue for the nine months ended September 30, 2025, reaching $105.2 million compared to $78.9 million for the same period in 2024[382]. Operating Expenses and Income - Operating expenses for the three months ended September 30, 2025 were $125.8 million, a 15% increase from the previous quarter[267]. - Operating expenses rose to $125.8 million in Q3'25, up from $109.5 million in Q2'25, indicating an increase of about 14.1%[297]. - Compensation and benefits expense for Q3 2025 was $23.4 million, a 2% increase from Q2 2025, while for the nine months ended September 30, 2025, it decreased by $6.3 million or 8% compared to the same period in 2024[356][357]. - Operating expenses for the three months ended September 30, 2025, increased by $2.6 million, or 10%, compared to the previous quarter, primarily due to higher origination expenses and compensation[392]. - Interest expense for the nine months ended September 30, 2025, increased by $16.3 million or 12% compared to the same period in 2024, primarily due to asset growth[367]. Market Conditions and Economic Outlook - The 30-year fixed rate mortgage average declined to 6.58% in Q3 2025, down 20 basis points from the previous quarter[244]. - The industry mortgage origination volume grew 3% quarter over quarter and 16% year over year in Q3 2025, driven by increased refinance activity[251]. - The company expects a 16% increase in loan origination in 2026 compared to 2025, driven by macroeconomic conditions and market dynamics[300]. - The average headcount was 4,249 for the three months ended September 30, 2025, showing a slight increase from 4,240 in the previous quarter[267]. - The effective tax rate for the nine months ended September 30, 2025 was 18.9%, compared to 15.0% for the same period in 2024[278]. Client Relationships and Servicing Agreements - Rithm, a major subservicing client, will not renew its servicing agreements effective January 31, 2026, which accounted for approximately $33.0 billion, or 10% of the total UPB[307][308]. - The servicing transfer to Rithm's platform is expected to occur in the first and second quarters of 2026, involving $8.5 billion of UPB, subject to necessary consents[309]. - Servicing and subservicing fees from Rithm amounted to $60.2 million, or 13% of total fees in the nine months ended September 30, 2025[329]. - Rithm accounted for 55% of all delinquent loans serviced by the company as of September 30, 2025[308][329]. Risk Management and Compliance - The company has received favorable ratings from agencies like Fitch and Moody's, reflecting its growth strategy and effective risk management[327][328]. - The financial performance of the Servicing segment is impacted by changes in the fair value of the MSR portfolio due to market interest rates[319]. - The company believes it is in compliance with Ginnie Mae RBCR requirements after transferring certain GSE MSR investment activities to its subsidiary PAS[428]. - PHH's debt agreements include cross default provisions, and as of September 30, 2025, the company believes it is in compliance with these covenants[429]. Liquidity and Capital Management - Total liquidity was reported at $221 million, with a cash position of $173 million[255]. - The total available committed and uncommitted borrowing capacity was $48.5 million, with $47.9 million from MSR financing facilities[406]. - The company has short-term commitments to lend $2.4 billion related to forward and reverse mortgage loan IRLCs as of September 30, 2025[410]. - Approximately $2.5 billion of debt is due or requires partial repayment within the next 12 months, including $1.5 billion under mortgage loan financing facilities[411]. - The company maintains a high leverage ratio, with $9.9 billion of securitized HECM loans reported on the balance sheet[422].

Exhibit 99.1 Onity Group Inc. ONITY GROUP ANNOUNCES THIRD QUARTER 2025 RESULTS West Palm Beach, FL – (November 6, 2025) – Onity Group Inc. (NYSE: ONIT) ("Onity" or the "Company") today announced its third quarter 2025 results and provided a business update. Third Quarter 2025: ● Expect to exceed 2025 adjusted ROE* guidance range of 16% - 18% ● Expect to release a significant portion of $180 million deferred tax asset (DTA) valuation allowance as of December 31, 2024, by year-end 2025; third quarter net inco ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from: ____________________ to ____________________ Commission File No. 1-13219 Onity Group Inc. (Exact name of registrant as specified in its charter) | Florida | | ...

Exhibit 99.1 Onity Group Inc. ONITY GROUP ANNOUNCES SECOND QUARTER 2025 RESULTS West Palm Beach, FL – (August 5, 2025) – Onity Group Inc. (NYSE: ONIT) ("Onity" or the "Company") today announced its second quarter 2025 results and provided a business update. Second Quarter 2025: 2025 Outlook: "We reported another strong quarter with sustained profitability and steady growth, demonstrating the resilience of our business model, sound strategy and high-caliber execution," said Onity Group Chair, President and C ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from: ____________________ to ____________________ Commission File No. 1-13219 Onity Group Inc. (Exact name of registrant as specified in its charter) Florida 65-0 ...

Exhibit 99.1 Onity Group Inc. ONITY GROUP ANNOUNCES FIRST QUARTER 2025 RESULTS West Palm Beach, FL – (April 30, 2025) – Onity Group Inc. (NYSE: ONIT) ("Onity" or the "Company") today announced its first quarter 2025 results and provided a business update. First Quarter 2025: ● Net income attributable to common stockholders of $21 million; diluted EPS of $2.50; ROE of 19% ● Adjusted pre-tax income* of $25 million, resulting in annualized adjusted ROE* of 22% ● Book value per share improved to $58 as of March ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 For the fiscal year ended December 31, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from: ____________________ to ____________________ Commission File No. 1-13219 Onity Group Inc. (Exact name of registrant as specified in its charter) FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 | Florida | | 65-0039856 | | -- ...

Financial Performance - Full-year 2024 net income attributable to common stockholders reached $33 million, the highest since 2013, with diluted EPS of $4.13 and ROE of 8%[5] - Reported net income for FY'24 was $34 million, a significant improvement from a net loss of $64 million in FY'23[19] - Adjusted pre-tax income for FY'24 increased to $90 million, compared to $49 million in FY'23[21] - Total revenue for FY'24 was $976 million, down from $1,066.7 million in FY'23, primarily due to a decrease in servicing and subservicing fees[23] - Adjusted return on equity (ROE) for FY'24 was 20%, up from 10% in FY'23[21] Servicing and Originations - Total servicing additions for 2024 amounted to $86 billion, including $47 billion in subservicing additions[5] - Funded recapture volume for full-year 2024 increased 2.5 times compared to 2023, with fourth quarter 2024 up 4.2 times over fourth quarter 2023[9] - Originations volume for 2024 was $30 billion, a 33% increase compared to 2023, with fourth quarter volume at $10 billion, up 72% year-over-year[9] - Total servicing UPB reached $302 billion at December 31, 2024, an increase of $13 billion from the previous year[9] Assets and Liabilities - Total assets increased to $16,435.4 million in FY'24, compared to $12,513.7 million in FY'23[22] - Corporate debt was reduced by $145 million, resulting in a debt-to-equity ratio of 2.96 to 1[5] - Cash and cash equivalents decreased to $184.8 million in FY'24 from $201.6 million in FY'23[22] Operational Metrics - Adjusted pre-tax income for 2024 was $90 million, resulting in an adjusted ROE of 20%[5] - Operating expenses for FY'24 totaled $436.5 million, an increase from $412.1 million in FY'23[23] - Mortgage servicing rights (MSRs) at fair value rose to $2,466.3 million in FY'24, up from $2,272.2 million in FY'23[22] Recognition and Outlook - The company achieved HUD Tier 1 servicer rating for the fourth consecutive year and was recognized by the 2024 Freddie Mac SHARP program for subservicing[9] - The 2025 outlook includes increased adjusted ROE guidance to 16% - 18%[4] - The company reported a gain on the sale of MAV canopy amounting to $14 million[19] - The company experienced significant legal and regulatory settlement expenses of $8 million in FY'24, compared to a gain of $21 million in FY'23[19] Shareholder Value - Book value per share improved by $4 year-over-year to $56 as of December 31, 2024[5]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from: ____________________ to ____________________ Commission File No. 1-13219 Onity Group Inc. (Exact name of registrant as specified in its charter) Florida ...

Core Viewpoint - Onity Group Inc. has officially rebranded from Ocwen Financial Corporation, marking a significant transformation and growth for the company, which aims to reflect its commitment to delivering results and success for its customers and stakeholders [2][7][4]. Company Overview - Onity Group Inc. is a leading non-bank mortgage servicer and originator, operating under the new ticker symbol "ONIT" on the New York Stock Exchange [3][11]. - The company provides solutions through its primary brands, PHH Mortgage Corporation and Liberty Reverse Mortgage, with a strong servicing platform and technology-enabled global operations [4][11]. Rebranding Details - The rebranding includes a new name, tagline "we get it done," and a vibrant visual identity that emphasizes action and commitment [2]. - The primary brands, PHH Mortgage Corporation and Liberty Reverse Mortgage, are expected to transition to Onity Mortgage in the fall of 2024 [8].