Reddit Posts
loanDepot Scandal Is Over - What's Now?
LDI Monstrous increase in short volume
Short squeeze MORTGAGE stock LDI, UWMC, RKT
Loan Depot - LDI - The mortgage sleeper ready to make $$$
Quality Industrial Corp. (OTC: QIND), is preparing its application for listing on the New York Stock Exchange American (NYSE)
Quality Industrial Corp. (OTC: QIND), is preparing its application for listing on the New York Stock Exchange American (NYSE)
if you hold RKT, UWMC, LDI or WFC, BAC, JPM… food for thought on mortgage debt-to-income
The dangerous growth of shadow banking
Yahoo Finance says: This U.S. pension plan is facing a bigger crisis than the UK. Is this true?
Bank of England's Bailey to Pension Funds: 'You've Got Three Days Left; You've Got to Get This Done' -WSJIndustry News
Bank of England's Bailey to Pension Funds: 'You've Got Three Days Left; You've Got to Get This Done' -WSJ
Bank of England intervenes in bond markets again, warns of ‘material risk’ to UK financial stability.
Bank of England is threatened with market turmoil after CS, is a crisis really coming?
I liquidated googl, tsla, aapl and other stocks at the end of last year. lol
LDI: the better mousetrap that almost broke the UK
The UK was very close to triggering a "Lehman moment" today.
Loan depot americas 2nd largest online mortgage originator
NRZ Short Based on Industry Experience
Mortgage lenders are about to get smoked.
The Race On Digital Loans - $LDI stands Out
I’ve analyzed the insider activity of all US public companies over the past month, and here are the companies whose employees are most actively buying new shares
Am I crazy or did LDI (LOAN DEPOT) just hit $6.55 -insane after huge earnings and revenue BEAT - guided above profit forecast
Is there one mistake you made this year, that you may have learned something and can share with the community so they can avoid?
Is there one mistake you made this year, that you may have learned something and can share with the community so they can avoid?
Is there one mistake you made this year, that you may have learned something and can share with the community so they can avoid?
Mentions
What’s the case for LDI?
Step by step: 1. Ignore $OPEN. 2. Buy $LDI. 3. Sell at a loss next week. 4. Buy back in after it reaches new highs. 5. Sell at a loss again. 6. Do it all again with the next meme stock.
Open is old news. It’s $LDI now.
Citron Research must have been in a big short position, they are trashing the stonk non-stop and pumping LDI, very funny to watch LOL
Check $LDI. 2-3$ range, Can moon to 14 like in 2021 on rate cuts. This is my rate cut bet and I am already 50% up on it.
Check out LDI - Citron also posted about them
What’s up with this Loan Depot shit $LDI?
LDI - $12 in 18 months. You watch.
The president of LDI sold 210000 shares last week, nice try.
LDI - rates go down, stock goes up
LDI is running pretty sharp
LDI closed up 31% at $3.00 lolllllllll
LDI soaring on the Citron report. Still only $500 market cap and down over 80% from a few years ago…
$LDI 9/19 2.5p looking like a no brainer rn
Holy shit LDI is ripping. Only $500 million market cap down over 80% from ATHs.
LDI the next RKT
While everything is down, LDI is up 25% this week!! Like I said yesterday 150%-250% is coming!! Get is now.
LDI is the best option right now
LDI - LoanDepot TOO THE FKN MOON!! 150%-250% in next 30-60 days! Loading up on calls w/ TP of $4.50
LDI already up 11% today… 150%-250% jump is coming.
LDI - LoanDepot is going to the moon. I expect it to 1.5-2.5x in the next 30-60 days. Pile in now before it’s too late!!!
A lot of big players literally have rules, contracts, or plumbing that force them to trade when certain triggers hit. Here’s what that compulsion looks like in practice, grouped by why the trading has to happen. Regulatory risk controls and margin make some trades non‑optional. Broker‑dealers must run hard pre‑trade and intraday risk checks under the SEC’s Market Access Rule (Rule 15c3‑5). If orders would breach exposure or credit limits, they’re blocked — which often means desks have to cut risk elsewhere to free up capacity. On top of that, leveraged positions face statutory margin frameworks (Reg T and FINRA Rule 4210) and daily cash “variation margin” on futures and cleared options. When markets move, clearinghouses call cash the same day; if you can’t post it, you must exit or shrink positions. These mechanics are designed to be automatic rather than discretionary — and they create pro‑cyclical de‑risking when volatility jumps.    Collateral calls can force selling even if your long‑term view hasn’t changed. You saw this vividly in the 2022 U.K. pension LDI episode: yields spiked, collateral calls surged, and funds had to sell gilts to meet them, amplifying the move until the Bank of England stepped in. That was a “sell because you must” moment, not a change in long‑run beliefs. Central banks and supervisors have since published playbooks on margin procyclicality because the dynamic recurs in stress.   Derivatives desks hedge their Greeks continuously — the hedge itself moves prices. Options market makers and banks don’t take outright direction on their client flow; they neutralize it. If they’re short gamma to customers (common on 0‑day options), their hedging forces them to sell more as the index falls and buy more as it rises, mechanically adding momentum. If they’re long gamma, they lean the other way and damp moves. This is not optional risk management — it’s required to keep the book inside limits — and it’s now large in scale because 0DTE SPX volumes average ~2.2 million contracts a day. There’s a good academic trail showing option maker hedging spills into the underlying’s liquidity and volatility.    Benchmark and prospectus promises force indexers to trade when benchmarks move. An S&P 500 index fund tells you in its prospectus that it will hold the same stocks, in roughly the same weights, as the index; that promise keeps tracking error low but also means it must trade at index rebalances and corporate actions. S&P’s U.S. indices are reweighted after the close on the third Fridays of March, June, September and December, and Russell’s flagship U.S. indexes fully reconstitute each June — both events that create predictable, concentrated flows from managers who “must” match their benchmark.    ETF plumbing converts investor demand into underlying stock and futures trades. Authorized participants create or redeem ETF shares when premiums/discounts open up, to keep ETFs near NAV. That primary‑market arbitrage isn’t a legal duty, but the incentive is so strong that when spreads are wide, APs will step in — which pushes buys/sells into the underlying baskets and futures whether or not long‑only fund holders did anything that day.   Liquidity providers have quoting and auction obligations that concentrate risk transfers. Lead market makers in ETFs are required by listing rules to maintain two‑sided quotes and meet time‑at‑the‑NBBO and size standards; options market makers must quote a large share of the session in their classes. Around the close, NYSE’s auction rules freeze and then execute Market‑On‑Close/Limit‑On‑Close orders after a 3:50 p.m. ET cutoff. Once you submit those orders, you are effectively “committed flow,” which is why big moves often finalize in the last 10 minutes.   Systematic strategies rebalance by formula, not by opinion. Volatility‑targeting mandates, risk‑parity funds, and CTAs adjust exposure mechanically as volatility and price trends change. The foundational research shows volatility‑managed portfolios cut risk when realized vol rises; insurers and structured‑product sponsors implement similar “risk‑control” overlays that raise or lower equity weight to hit a target vol. When vol spikes, these programs must reduce equity, creating additional one‑way flow — and strategists frequently estimate tens of billions of potential de‑risking when vol rises abruptly.    Fixed‑income hedgers have to rebalance duration when rates move. Mortgage‑backed securities have negative convexity: as yields rise, their duration extends, forcing MBS holders and servicers to add rate hedges (sell futures/receive swaps), and vice versa when yields fall. The Fed and New York Fed have explained how this “convexity hedging” can amplify Treasury moves; again, those trades aren’t a view — they’re math.   Pulling it together, “they must” covers three broad compulsion types. First is regulatory and funding compulsion: risk limits, margin, and collateral calls bite automatically; you adjust or you’re out. Second is mandate compulsion: index trackers, ETF arbitrage, auction mechanics, and market‑making rules require trading at specific times or conditions. Third is model compulsion: option‑desk hedging, volatility targeting, CTAs, risk parity, and rate‑hedging rules translate market moves into prescribed buy/sell flows. None of that says long‑horizon investors abandoned their growth outlook; it says that, intraday, price is set by the players whose frameworks obligate them to act now. That’s why even during a healthy bull market you’ll still see sharp swings that look “tactical” — they’re often just the machinery doing what it’s required to do.
loanDepot $LDI. Anyone holding this stock? Powell will cut the interest rate in Sep or Oct so this share price will boom?
LDI, it's just starting to take off.
I bought 25K today, had it flagged if Powell caved, which he did. I like the story. They survived the long winter, focusing on digital. A RKT sibling that's been overlooked. I like the physical presence and attention on loan officers, that won't go away. Kind of like how OPEN refocused on realtors. I'm seeing an OPEN/LDI renaissance.
Even Kramer was smart enough to call Nvidia. I’ll be interested if this magical pick makes me rich or if I just stick with a double in $LDI since there are catalysts coming possibly as soon as Friday about the direction of interest rates. Look at the 3 month chart, Bull Flag setup. J2 vs SuffPain…LFG!
$LDI already moving ahead of interest rates! *Mortgages/Loans are sensitive to interest rates *Big moves out of $RKT $Open $UWMC already *11.9% INSIDER holdings *106% potential revenue increase *initiated coverage today by BTIG If you think there will be Fed cuts, turnaround opp. $Open has run. Initial position 1000 shrs at $1.86 and 10 $2 calls Mar26 at $.50 https://stocks.apple.com/A9NGI1XJ2TACN3MFODg6qfQ
CLYM & LDI . Both are a must if you wanna make a ton of money this year. Especially if you are patient
APUS & LDI are some of the best plays this quarter. . LDI especially for long
LDI. currently popping after hours. Tomorrow could be big
Mortgage originators like $RKT and $LDI need more attention, these are the next 10 baggers like $OPEN
$CIFR, $GLXY, $LAC, $LDI Pick any of these, or all of these, and come back to me next week! !banbet LAC 3.85 3 days
Loan depot, LDI, been creeping. Rate play.
LDI If rates even drop a little it’ll take off
which one of you regards are pumping LDI now!? i guess its in the same sector as OPEN. when will the madness end, I cant with you bums 😂😂😂
With all this rate cut talk, been looking at LDI. Might be worth some DD. Bunch of insiders buying up stock before earnings in Aug.
This is the way: just imagine if trump fires Powell we all go to the moon LDI is also catching a bit real estate is red hot right now
LEI comeback story Anthony Hsieh is back as Chairman of $LDI, and this might be one of the most overlooked comeback plays in the market. For those who don’t know, Hsieh is a fintech pioneer — way before the term “fintech” was even mainstream. He helped shape key brands in the space back in the ‘90s and 2000s, and he founded loanDepot in 2009. He’s got over 35 years in the lending industry and has led the company through multiple cycles. LDI has been through a tough stretch, like many in the mortgage sector. Rates are above 7%, the stock’s been hammered, and sentiment has cratered. But that’s what sets the stage for a real turnaround. The refinancing business is poised for a rebound. LDI is one of the biggest non-bank mortgage players out there. They issued $23B in loans last year. In 2020, they issued $100B and posted $2 billion in net income. Today, the company’s market cap is just $500M. Run those numbers: even if LDI regains half of its 2020 performance, the stock could see serious upside. This isn’t a meme stock — it’s a real business with major operating leverage if rates come down. There are 13M+ mortgages sitting above 5% — and over 3M above 7%. That’s a huge opportunity if refinancing trends pick up again. Customers also rate LDI highly — check their reviews on Zillow. This isn’t just a hype play, it’s a legit business with potential for massive upside if the macro shifts. Price Target: $14 (Been following LDI since pre-IPO. Do your own DD, but I truly believe this can 10x from here.)
“Anthony Hsieh is back as Chairman of $LDI, and this might be one of the most overlooked comeback plays in the market. For those who don’t know, Hsieh is a fintech pioneer — way before the term “fintech” was even mainstream. He helped shape key brands in the space back in the ‘90s and 2000s, and he founded loanDepot in 2009. He’s got over 35 years in the lending industry and has led the company through multiple cycles. LDI has been through a tough stretch, like many in the mortgage sector. Rates are above 7%, the stock’s been hammered, and sentiment has cratered. But that’s what sets the stage for a real turnaround. The refinancing business is poised for a rebound. LDI is one of the biggest non-bank mortgage players out there. They issued $23B in loans last year. In 2020, they issued $100B and posted $2 billion in net income. Today, the company’s market cap is just $500M. Run those numbers: even if LDI regains half of its 2020 performance, the stock could see serious upside. This isn’t a meme stock — it’s a real business with major operating leverage if rates come down. There are 13M+ mortgages sitting above 5% — and over 3M above 7%. That’s a huge opportunity if refinancing trends pick up again. Customers also rate LDI highly — check their reviews on Zillow. This isn’t just a hype play, it’s a legit business with potential for massive upside if the macro shifts. Price Target: $14 (Been following LDI since pre-IPO. Do your own DD, but I truly believe this can 10x from here.)”
LDI is going to blow like OPEN when we get some rate cuts.
LDI will be the next open if we get rate cuts
If we do get the rate cuts, LDI will rip anyone in it out of their seatbelts! 🚀
I hold LDI. My simple thesis which I apply to holding other companies such as rocket, UWM, and other public IMB (independent mortgage banks) is that if rates go down, volume goes up, revenues increase, profit margins spike, all mortgage companies will be pumped by the surge.
#TLDR --- Ticker: LDI Direction: Up Prognosis: Buy shares for a 10x to $14 as rate cuts bring the mortgage market back to life. Position: Trying to accumulate 850k shares.
Loan Depot. LDI. Thought I was a genius for a few minutes after ipo as it shot skyward. If you want to know what happened next look at the chart.
Link to earnings call https://m.youtube.com/watch?v=SySgINoaI9A&embeds_referring_euri=https%3A%2F%2Fwww.marketwatch.com%2F&source_ve_path=MTM5MTE3LDI4NjYzLDEzOTExNywyODY2Ng
Now is a good time to get back into LDI options! The call with $5 strike with December expiration is $5.00 and $2.50 call with December expiration is $15 and cash secured puts are paying $1.45 credit! I’m using my credits to buy calls in large undervalued stocks!!
Hope you sold and made a profit! Now is a good time to get back into LDI options! The call with $5 strike with December expiration is $5.00 and $2.50 call with December expiration is $15 and cash secured puts are paying $1.45 credit! I’m using my credits to buy calls in large undervalued stocks!!
Let’s moon LDI…tanked from $31 to $1
UWMC, RKT or LDI if you had to choose
UWMC, RKT or LDI if you had to choose
What are your thoughts on $LDI?
LDI through rate cuts is the way to be. As well as RKT.
I have some LDI 2.5c for December, I'm up about 155%. Pretty new to this, I don't have a lot to gamble with and these were bought in anticipation of a rate cut. Any advice on when I should sell?
LDI first positive earnings in forever and down 94% from ATH. Tell me why shouldn’t I sell my kidney and buy calls?
LDI earnings pretty positive for once. Stock is down 94% from ATH. Anyone considering it?
LDI imo is the best bang for the buck. Undervalued with rate cuts on the near term horizon
If you want a speculative play it’s LDI. Large mortgage lender that has been beaten down to pre rate cut levels from January.
LDI, RKT, UWMC are all on my target list. As soon as rates start getting cut, there’s gonna be a big demand for refinances.
Why isn't LDI stock not on the board... frick
$LDI $RKT was good fellas same thing morrow
Check out BLND, LDI for a lot of refinancing of home loans, BLND is a disruptive company which is a white label product behind many large banks and credit unions
$LDI calls expiring 2024
Yeah options were pricier. But I still like the stock, I did buy lots of LDI and sold some today during the short squeeze.
I need OPEN to start squeezing like LDI is. I have 1 LDI $2.5c 12/15 at $0.04. It’s at $1.08 right now 🤡
LDI breaching 3$ today and rising ... could it hit $5 before next year ...?
LDI printed a$3 price premarket now back to $2.75 - to the moon? 🌕
> LDI up 13% today and up 140% in the last two months If only you posted this two months ago. LOL.
OPEN $4c 12/15? LDI $2.5c 1/19/24? RDFN $8.5c 12/15? What other plays like this companies?
$LDI my top misunderstood conviction play, we can make a lot of money ape-ing into this. Data points going the right way, rates lowering, economy improving, cost cutting initiatives, executives acquiring stock, low volume, so any positive momentum will sky rocket this name. Could easily see this double or better
Thanks for bringing this up. Here's the stats for this week: https://www.mba.org/news-and-research/newsroom/news/2023/12/06/mortgage-applications-increase-in-latest-mba-weekly-survey, they look good. And looking at their weekly press releases, applications have been increasing WoW for 5 weeks in a row: https://www.mba.org/news-and-research/newsroom/all-news?Keywords=&SortOrder=DESC&TypeFacet=&Categories=901e50bf-840f-499e-b0e0-588adb3910c5 Anecdotally I've heard that mortgage loan originators have been getting lots of business lately after a long period of low activity. I'm going to be applying for a mortgage myself in the near future so I'll ask the MLOs I talk to about how the market has been. How do you think this can be capitalized on? I'm thinking 6 month or 12 month LEAPs on mortgage origination companies like RKT, LDI, GHLD, TREE, PFSI. Not sure, this isn't my area of expertise. Waiting until near earnings and getting short dated calls is another option.
Nothing against UWMC. Probably a safer bet but there is a pretty good risk/reward with LDI as well.
I am heavily invested in this space. For me I like UWMC by far as #1 in this space. I can see the argument for Rocket though. LDI, Better, etc.. don’t have the technology and cost structure to succeed in the future in my opinion.
LDI is the hidden sleeper.
They don't show what it truly looks like from a user's perspective. Either a real screen capture type thing or sticking a camera inside the headset. They show fancy rendered video of what it is supposed to look like. Neither the [keynote](https://youtube.com/watch?time_continue=6144&v=GYkq9Rgoj8E&embeds_referring_euri=https%3A%2F%2Fwww.google.com%2Fsearch%3Fclient%3Dms-android-verizon-sscr%26sxsrf%3DAPwXEdf2WwPFv94ZA8NlmJ-G5qRDcg-E4g%3A1686657765400%26q%3Dapple%2Bvisi&source_ve_path=MTM5MTE3LDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjM5LDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDM2ODQyLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4MjQwLDI4NjY2&feature=emb_logo) nor the official [advertisement](https://youtube.com/watch?v=TX9qSaGXFyg) show what it looks like in the real world.
>Gilts getting HAMMERED at the open after a UK inflation reading that was above every. single. forecast. >[Front end yields are up over 25bps. It's giving LDI panic this morning.](https://pbs.twimg.com/media/Fw4Fjs3XoAAFPSi?format=jpg&name=large) [PATRIOTS ARE IN CONTROL 👏👏👏](https://www.thepinknews.com/wp-content/uploads/2021/10/GettyImages-1235692294.jpg)
Agree on many CRE sectors and many federal states. Wondering about resolutions of those in the U.S. unlike with Basel III? practically unlimited depositor bail out and bail in of shareholders and bondholders? Hence cost of equity partially skyrocketed, if available at all and similar for bonds. Probably no such AT-1 Cocos (cocenant convertibles) like in Europe and Asia, I suppose? Comparisons to S&L 1990 had been made. Mentioning UK and Switzerland as they massively reduced the number of banks while many countries are still massively overbanked, yet the U.S. seems extremely overbanked. Therefore that previously extremely high P/B despite maybe intangibles had been extremely high compared to european banks. Seems rather illogical and reason being lack of restrictive regulation allowing for still aggressive leverage pushing ROE, hence Jamie Dimon lobbying for stopping U.S. regulation. Question being also for the FT, how to handle too big to fail and growing banks still massively leveraged and perhaps more governmental and maybe some maximum size much lower? Risk in the EU the threat of some banking union with massive moral hazard No bail-in for depositiors leading to ignoring risks reminding of Iceland 2008. UK PE P/B comparatively, especially for their offshore business significantly undervalued. Sceptical on the £. Fully agree against Brexit while Bregret still doesn't force Tories and Labour too finally admit to that and pledge to return also because of hopefully feeling threatened by Scotland pushing for a 2nd refernedum despite economics and thereafter ultra long-term Northern Ireland might leave too. Remembering Truss, Kwarteng and Andrew Bailey's BoE the voters rejected such also academically still highly speculative trickle down theories when the markets fled £ debt causing LDI almost collapse on UK30s. Further evidence against phantasizing MMT adepts and showing the difference to Japan. Hence polls for Labour in December 2024, yet chronically sceptical for their bad track record. Don't forget indebtedmess and lack of trust compared to very much lower debt levels with Reagan. Hoping Bregret will lead to applying as UK despite supreme court shielding gov from scottish proactive referendum. As for Brexit it's ugly corruption had been exposed, but for no avail? Leads also to questioning universal vote. Like being exposed to the aggregated smartness of all voters could really frighten or actually should.
Fannie (your source data here) insures all of these loans. This is most likely originator data, (RKT/UWM/BAC/LDI et al.) originate the loan, pay a GFEE for insurance, and the burden (if loan is manufactured in accordance to Fannie guidelines) is on Fannie/Freddie (the government). These loans, if manufactured correctly, are no risk to the originator if they default. If the default is what you are implying.
>What's the US equivalent of an LDI pension fund? ^IGSquawk ^[@IGSquawk](http://twitter.com/IGSquawk) ^at ^2023-03-07 ^23:56:24 ^EST-0500
Get ready for mooning today 🇺🇸🚀🚀LDI, Tesla
LDI started to pay big dick dividends 🇺🇸🇺🇸🚀🚀
LDI thing nearly did back in September. It was a bit squiffy for a day or two.