Rocket Companies Stock Rallies On Trump’s Pledge To Keep Mortgage Rates Low — Will Momentum Last Into 2026?

Lower mortgage rates are expected to translate to better demand for platforms such as Rocket Companies that manage housing loans and personal financing.

• U.S. President Donald Trump said that he is working to bring down mortgage rates for Americans following several years of high rates.
• Barclays said on Tuesday that a "benign' credit environment sets the stage for loan growth and forecasts a better mortgage origination market in 2026.
• Rocket Companies has seen a boost to its stock mainly from the rate cuts that happened last year, with shares jumping over 81% in 2025.

It may sound like a space-tech startup, but Rocket Companies is light-years away from that sector. The company, in fact, is a fintech platform focused on mortgages, real estate and personal finance, with a growing emphasis on AI-driven growth.

Its stock, however, has been flying. Shares surged more than 81% last year, fueled by the Federal Reserve’s series of interest-rate cuts.

Momentum carried into the new year after U.S. President Donald Trump said Thursday that he is working to lower mortgage rates for Americans, following several years of elevated borrowing costs. Rocket Companies jumped more than 7% in after-hours trading and is now up about 10% in 2026.

Lower mortgage rates typically benefit lending companies as home purchases and refinancing activity pick up. Elevated rates in recent years have weighed on housing demand, keeping many consumers on the sidelines amid a higher cost of living.

Trump’s Mortgage Take

In a post on Truth Social, Trump said he has instructed his representatives to buy $200 billion in mortgage bonds to help lower mortgage rates and monthly payments, making the cost of owning a home more affordable.

“It is one of my many steps in restoring Affordability, something that the Biden Administration absolutely destroyed,” Trump added.

Barclays said on Tuesday that a "benign' credit environment sets the stage for loan growth and forecasts a better mortgage origination market in 2026. Jefferies noted in December that it had the "highest conviction" in Rocket Companies and views the company as best positioned to benefit as mortgage volumes normalize through 2027.

RKT’s AI-Related Growth

Last year, the company’s mortgage segment named “Rocket Mortgage” and the AI-powered “Pipeline Manager Agent,” which enables its loan officers to identify and prioritize the right lead, and also has been working with “Purchase Agreement AI Agent,” which has helped automate complex, county-specific review of purchase agreements.

What Is Retail Thinking?

Retail sentiment on Rocket Companies jumped to ‘extremely bullish’ from ‘bearish’ a month ago, with message volumes at ‘extremely high’ levels, according to data from Stocktwits.

Retail traders cheered Trump's move, with a bullish user on Stocktwits expressing that achieving $25 was “imminent” for the company.

Shares of Rocket Companies have gained 103% in the last 12 months.

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