Reddit Posts
UWMC. 23% short interest 20k shares available
UWMC I know it was a thing, but how about now?
Short squeeze MORTGAGE stock LDI, UWMC, RKT
Meta Discussion / Question - Is this a good subreddit for open discussions on the market?
Should I dump few losers I have left in the account : JMIA, SOFI, BB, UWMC
Mat Ishbia Says the Quiet Part Out Loud - UWMC
UWMC YOLO. Markets are forward looking and rates will drop. Primed and ready!!!
Rocket Mortgage (RKT) is going to shoot up post earnings thanks to Redfin the 5th. $8c 5/12🚀
UWMC - No emotions just the facts. Regarded Analysis.
2023-04-25 Wrinkle Brain Plays - In the style of a Weather Girl
Keep calling me a degen I’m going to keep averaging up. UWMC. Posted about it 20 days ago. And still setting new 52 week highs.
if you hold RKT, UWMC, LDI or WFC, BAC, JPM… food for thought on mortgage debt-to-income
UWMC is looking to pop. May open at 52 week high.
2023-03-02 Wrinkle-brain Plays (Mathematically derived options plays)
What emails services are good for a bagholder?
$UWMC short squeeze on divi going to trigger a gamma squeeze to 10$
$UWMC...short squeeze to gamma squeeze to 10$
$UWMC non stop green with HUGE divi coming up
$uwmc short play starting..keep an eye out...ready to buy 150K in shares
$uwmc play going in 250k in stock..huge divi!
The UWMC shorts show the first signs of nervousness
Question: why do some places report after hours as a stock price differently?
What happened to SPACs? Any SPACs worth investing in?
UWMC ! just became THE #1 mortgage lender!
WISH closed at 1.23, CLOV at 2.49, and UWMC at 3.61. Pour one out for the fallen apes
Loan depot americas 2nd largest online mortgage originator
ATER - The Squeeze is Near and the Near is Ending
NRZ Short Based on Industry Experience
I jumped ship 6 months ago on UWMC, but have a look, it's beginning to look like a G ME 2.0 set up
Week 8 Earnings Plays Analysis and Historical Post Earnings Moves Compilation - $AMC, $SOFI, $WISH, $SDC, $UWMC, $LCID, $CRM, and More
Collusion by United Wholesale Mortgage Company ($UWMC)
UWMC!!!! Reversal finally confirmed!!! Going to $12.49!!!
UWMC moon 🚀 40k shares LFG all in when tendies
$VXTRF Voxtur Analytics: UWM ($UWMC) update on Appraisal Direct (Voxtur Platform) - 70% of all business going through Appraisal Direct...
Yoloed most of Roth into UWMC bought 500 more today at $6.00
Averaging down the rest of my portfolio into UWMC
$UWMC announced Buybacks and 6% div, being murdered by Hedge Funds
thank god I never went all in and diversified.
UWMC Diamond 💎 Hands that have Grown!
Where are my fellow 🦍 🦍🦍🦍? UWMC has DIAMOND HANDS. We need more!
UWMC short borrowing fee and why it could squeeze.
350k loss in CLNE, UWMC, VIACOM & PSFE :)))
holding 350k loss on CLNE, UWMC, VIACOM AND PSFE :))
UWMC LFG 🚀 fuck the shorts $12 before EOY
UWMC to the moon please!!! Borrow rate 48%. Sitting at $7 right now. Should be atleast 12.49!!!
$UWMC short interest is passing 18%. Vast insider holdings on it and 48.9% borrow rate per borrowdesk
UWMC short borrowing fee is sitting at 48.93% - up 5 times since my last post
Watch for UWMC, borrow fee up from 1% to 48% over last week, insane open interest for 12/17 calls, recent history of borrow rate increase leading to a %100 price increase
Can someone explain why the short fee is up to 122% on UWMC please!!!
UWMC - Who wears short shorts? SI ⬆️ Borrow fee ⬆️ : ... Shares on loan ⬆️ .
UWMC Short borrow fee is 38%!!! What do we do here?
UWMC - Ex. A - where shorts screwed up, heavily shorted SP down for offering UWMC CEO canceled; accelerating buybacks instead lol Ex.B- 100,000 shares avail to short; down from 4 mil a few weeks ago (thats a lotta shares to cover) Ex. C. 38.31% borrow rate, shorts are screwed. Now go!! lol
UWMC TO THE MOON! Ex Dividend date tomorrow. 2 million dollar buy back today after hours!! Motley full released ALL IN buy rating today after hours. Stock only sitting at $7. $12.49 incoming
Here is your xmas present! Short squeeze UWMC. Have you ever seen DTC (Dyas To Cover) as high as 7.47days? When DTC goes above 5 the stock is primed to squeeze all the shorts. All we need now is a bit of a buying pressure to detonate the explosion. Let's go retail army, jump on board! 🚀🚀🚀
UWMC ORTEX. absolutely ridiculous DTC and big jump in CTB this week.
UWMC almost out of shortable shares... squeeze this!
UWMC short borrowing fee is up 9 times in the past 48 hours
UWMC - short interest has increased significantly the last week
Feast your eyes: the red side of my shit list. Not shown UWMC
Feast your eyes: the red side of my shit list. Not shown UWMC & MAXN
UWMC squeezing, look for breakout confirmation above $7
Fannie Mae and Freddie Mac daddy will start purchasing home mortgages up to a million dollars. This is massively bullish for RKT and UWMC 🚀🚀
new to this sub. was wondering what stock to go into.
Mentions
UWMC not gonna give you up
Sell everything other than UWMC and duck 🧨
UWMC to at least $10 eow 🚀 jpm take out target or bac . Enjoy.
Yo think man no worries about mortgages UWMC 🚀🚀🚀
UWMC take off to the MOON rocket ship 🧨🚀
UWMC sued for racketeering, and it's my only holding that was green today
As a bag holder for UWMC I am appalled by my stupidity but also this breech of ethics. I look forward to nobody being punished.
We’ve seen this before. Hedge fund wants to short. Puts together already known public information into an “article” to make it seem like it’s new information. Causes stock to drop. Hedge fund tries to make millions at shareholders loss. This is a $6+ stock. So, they’re having to gather quite the short position to get anywhere near where they want to be. They think this will tank UWMC. I say fuck ‘em! I’m buying more & a ton of calls…Like Animal House…Who’s with me???
I love this and I have invested and done really well with UWMC. Is it childish, absolutely. At the same time I love it. I want the CEO of a company I am investing in to care this much. From being a walk on at Michigan State to today the guy just wants to win and crush people. Obviously the mortgage industry is in a down cycle with rates but they have been dominating and picking up a lot more share of the wholesale lending market.
Somebody here had UWMC $6 puts, and I'm SO jealous
I like UWMC. 40 cents per. Year and the current price is around 7$. It dropped to below three about a year ago. I wanted to stock up but was distracted at the time. At 7$ a share you'll do a little better that 5%. UEMC is the largest wholesale mortgage lender and if you haven't notice people aren't going to stop buying houses anytime soon.
Best plays UPST, SOFI, UWMC , Lending Club. Options are cheap and strong economy is not an obstacle for rate cuts- papa Powell
How old are you? If you aren’t close to retirement sell those and just buy VTI. When in the accumulation phase you want to”total return” and dividend stocks / ETFs generally lag behind total stock market index in total return Example below in portfolio visualizer of UWMC vs VTI. VTI kicks its ass even though UWMC pays 5.6% dividend vs VTI which is like 1.3% https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=4XwcAH3mosZer2qXBMl2cE When in accumulation, you don’t need dividends, you want maximum growth.
KRE, RKT, UWMC Regional banks and mortgage companies.
Getting an answer: yes (whatever UWMC used to be, IOAC). Getting a straight answer: no. Getting an answer when seeking clarification of their non-answers: no.
That hasn’t been the case though. Rates have been shit for over a year and both COOP and UWMC have gone up 50% ish. I recall the whole UWMC vs. RKT battle a few years back but it seems like RKT, similar to SOFI, has appealed to younger audiences and they are hitting the masses through ads. Costly ads, but I think it pays off for them.
Sure, but that hasn’t stopped COOP or UWMC from outperforming RKT the last year. Rocket has beat EPS in 4 consecutive Qs and I think similar to SOFI they post positive EPS. There is an enough of a meme team following this from a few years back too, similar to PLTR. This is a lot of apples to oranges comparisons but I also think there isn’t a valid reason for this stock to have underperformed other companies in their same sector. I do think Wall Street for whatever reason doesn’t like this stock but would love to stoke the meme crazed fools again. So my prediction is: Positive EPS stock goes up to $13.50-14 Friday / Monday and then gets pushed back down into the 12.50 range Tuesday.
Beaten down REITS and mortgage stocks like UWMC.
Just throwing this out there but any chance we can make UWMC a meme again?
Corrupt WSB mods are as much a tradition as they are a reality. Reddit global mods have come in here more than once and "cleaned up" the mods and installed a new WSB mod regime more than once since I have been here. Even the founder was (Rogozinski?) was banned for pushing penny stock pump n dump deals. I was given 30 day ban over posting about UWMC because it "distracted" from GME. As if my crappy posts were seriously causing GME to drop. The mods are both corrupt AND stupid. I preferred when they were just corrupt (good times) but GME changed this place and certainly not for the better. This place has ALWAYS been a cesspool. That was why we came here. It's just not the same cesspool as it used to be.
Mortgage loans are originated and funded by a bank (or, more commonly, a nonbank lender like $RKT or $UWMC). Then the loans are sold on the secondary market. Most loans are funded by nonbank lenders who borrow money (warehouse lines of credit) to fund the loan, then immediately sell it to a government sponsored enterprise (GSE). The GSE will always buy them and guarantee them if they meet certain criteria (credit score, loan amount, etc - these are called conforming loans). Nonconforming loans (like jumbo loans) are usually sold to private entities. The extra risk usually requires an higher interest rate or down payment. That’s how Wells Fargo or UWMC can fund billions of dollars of 30-year fixed mortgages every quarter without ever running out of cash to lend.
Don’t Count Out $UWMC …. The Feds will lower Interest Rates multiple times over the next two - three years…. UWM has drastically Grown Market Share and Origination Volume! While others have been laying off employees, UWM has hired thousands…. They are the Number ONE Lender in the Nation and will be THE MOST READY for the Next REFI BOOM!!! It is coming…. Watch and Be Ready! 🚀🚀🚀
As rates go down, we certainly could see an uptick in mortgages. I think of UWMC as more a dividend play than a growth stock.
I like RKT, know it well, similarly rode it up this year. Some considerations: * $20 is doable by Jan 2025, as rates fall, and a rush to ReFi for all the folks who had to initiate mortgages at brutal 2023 rates. $25 I am less confident on, though may be done optimism momentum * Dan Gilbert gives it plot armor. There is only 10% float, and only big reason it floats at all is to lure tech talent who are accustomed to stock options * I myself may consider some risk reduction with going long on rival UWMC instead of only RKT * Biggest long-term catalyst would be when ReFi is strong, stock is up, and Dan releases more % of the company, then a few quarters later gets the nod for S&P 500 inclusion, but that is a longer horizon than Jan 2025 Current Positions: * Just rang register on rest of RKT shares on Friday * CSPs Apr ‘24 $12 * CSPs Jun ‘24 $10
Means nothing, OI , then shares available. Zero isn’t good if the CTB is low but on the contrary when more shares are available and the CTB rises then you know something is in the mix. News, sentiment, earnings, acquisitions , etc…. Is the reasons shares are or aren’t available and how much they cost to borrow short. Betting against the odds a company can produce. No input on UWMC but look micro ish that didn’t drop to far from their 52 week high this afternoon. 🤷♂️ 🥂
Mortgage stocks are destined to recover off these oversold prices. Also have positions in both UWMC and RKT.
I would say UWMC. I have a position at $8.91, but have been getting paid a nie div while I sat and with this current wave of people trying to get morgages I can see them running into the 15-20 range...
GME. Makes up over half of my portfolio. I’ve been buying for 2 years as I exit other positions. 3x,xxx shares. Then 35% UWMC and the rest cash. Doing pretty well so far.
Ladies and gentlemen my UWMC shares are finally green after bagholding and averaging down for over 2 years. The next mortgage boom driven by rate cuts is upon us.
UWMC
I won’t stop saying my ticker mr. Hedge fund. UWMC UWMC UWMC UWMC. 
# THEY KEEP DOWNVOTING ME. UWMC BEARS IN HERE COPING. 
UWMC bulls, we do exist there’s literally dozens of us 
# UWMC to the moon baby. Shorts taking the shrek cock. 
UWMC is loaded up now. Shorts it’s a waiting game 
UWMC breaching $7.20 
Man you’re not kidding you always get downvoted when you mention UWMC
UWMC stonks only go up 
UWMC let’s go baby 
Can’t silence me, I will continue to let the gamblers know about UWMC at 23% short interest 
UWMC hedge funds out downvoting in the wild again 
UWMC still going 
UWMC still going 
UWMC to the galaxy
UWMC 
1st read the dang rules it’s not that hard. Two go see my post on “new people” three at least look at other post from today as there have been many “new people” 4th you should look for investopedia and r/investing. Lastly if you want to lose it all stay here and make a post that says Yolod into …. Diamond hands. My DD is… Then post your loss porn. You clearly have no clue where you are like most the people that show up here and these post are getting annoying I can say put it all into UWMC. My little stock I like and have a position in. But why I like it why I’m in it is my personal 2 cents. Now if you decide to drop it there that’s on you and when you lose your money and your pissed off. That’s also on you because you didn’t do any research and this goes for anything you hear/see hear. It’s not a place for tips and tricks. It’s a place for people to post their gambles or why they are going to gamble on…..
Calls on UWMC /RKT / FDX. I own enough CYTO thanks for buying though. Names been coming up a lot on socials though so maybe I buy more I’m not sure
UWMC is my answer to that, between the two.
Here's an addendum to the above DD about Rocket Companies (RKT): **Revenue Streams** RKT's diversified revenue model is intriguing to me. They make money from mortgage origination and sales, mortgage servicing, real estate services, title insurance, property and casualty insurance, and fintech, including their Canadian mortgage business. This diversification could be a key strength. I implore you to download the Rocket Money app to get a feel for this diversification as well. **Fed's Interest Rate Cuts** If the Fed lowers interest rates as expected in 2024, it could be a big plus for RKT. Lower rates typically boost the housing market, meaning more business for mortgage origination and related services. This could potentially increase their revenue across their real estate facing departments. **Departmental Impacts** With interest rate cuts, we can expect a surge in demand in their mortgage and real estate services sectors. However, the impact on mortgage servicing might be mixed due to refinancing. Don’t forget, however, that right now homeowners are experiencing “golden handcuffs” where they are not willing to sell. When rates drop, homeowners will feel more comfortable selling their low-rate homes. The insurance and fintech segments might also see varied effects. **Comparison with UWMC** There's a lot of opinion about UWMC potentially being a better investment than RKT. While UWMC also operates in the mortgage sector, a direct comparison needs a deep dive into its financials, market strategies, and growth prospects. Remember, each company has its unique strengths, market position, and challenges. It's crucial to analyze factors like financial health, market share, technology adoption, and management strategies before making a solid investment comparison. I have a position in UWMC too, albeit smaller. I haven't fully analyzed UWMC yet, but it's on my radar. It's important to consider each company's specific context and potential market dynamics for a well-rounded investment decision. Overall, RKT's broad revenue base coupled with potential rate cuts presents an interesting scenario, one I’m willing to bet big on. The diversification might cushion them against market volatility and boost growth in a lower-rate environment.
UWMC short squeeze this week 
They were also born through a SPAC, which I’m not a huge fan of. I’ve also evaluated them. I would say their “good earnings” are similar to Rocket, but the company lacks diversity. That said, I am bullish on UWMC as well. Perhaps I should have just expanded my DD to the top mortgage plays instead of simply focusing on RKT.
UWMC has much higher short interest, much lower float, good earnings and fundementals, largest mortgage wholesaler and trades bullish alongside falling yields.
Look at YTD charts and tell me again the Div stunted UWMC growth lol.
Dividend from UWMC is also nice. I’m working on building one in RKT. Mainly options though.
You could say the exact somethings about UWMC who does more originations RKT and share price is almost half of RKT and has a smaller float.
I'm not the OP, but your question made me reflect on the rather odd and lucky manner in which I got into this ticker. UWMC was given to me as sign-up bonus by Webull in May of last year. I didn't think much of it until I saw it paid a 10 cent dividend on a $3.50 share price and the yield math seemed pretty appealing. I researched the company, liked what I saw and continued to buy shares even as it went under $3. When that +25% day hit in November last year I realized this one had potential. It has since become my single largest holding. Coincidentally, the other free stock Webull gave me, GNW, has also done very well since last May.
You're cleaning up! Nice call on UWMC. I doubled down myself after the dip, fingers crossed we keep riding this rollercoaster higher!
Random bloody nose  If I die I leave all my UWMC calls to unpopular opinion 
I believe UWMC is Primed to 🚀🚀🚀 Between BAD SPAC Vibes and RATE HIKES Starting 3 years ago … now things are Changing Starting in 2024…. Like I said… “PRIMED to 🚀🚀🚀”
UWMC - I’m very dense in the brain and have been sitting on shares of this stock. ELI5 what call should I buy?
# UWMC short coverings just started 
Excercised my calls on UWMC keeping my other 23 open.
UWMC 
UWMC got me so horny 
UWMC calls still cheap if anyone wants to gamble 
# UWMC SQUEEZE 
UWMC we have lift off 
UWMC we have lift off 
UWMC float is not there. This could rocket up at any moment and now pushing $7. I can’t even short it being in the hard to borrow program since there’s no shares to lend and short interest is at 23%. 
Read my DD on UWMC. Not suggesting you buy it but be informed on what’s out there and why it may be doing what it’s doing.
Here’s what I know about UWMC today. Beat prior earnings despite higher rates. Largest mortgage wholesaler. 10% dividend and has had it for years. I’ve been an investor for some time. Extreme shorting of the stock took place years ago when a share offering fell through and a hedge fund wanted to buy shares for a price the ceo was not willing to sell for. Immediately following the stock saw massive short interest. Cost to borrow has been very expensive for some time. Short interest currently at 23%. The largest short positions opened around $7 and higher when the stock began being suppressed following the CEOs decision. I attempted to short after hours I am invested in the hard to borrow program that allows me to short stocks that have very low inventory and highly risky, and TD/schwab do not have any inventory now. This stock is pegged proportionally to TLT as rates fall revenue and volume of loans begins to pick up and earnings beat becomes more likely. This stock will probably go to $20 in the next year or 2 if we don’t see the float fall sooner.
tested shorting a share of UWMC and it says theres no shares to lend out. I’m also in the hard to borrow program so that means even with qualifying this legit means they have no inventory. Perhaps other brokers have inventory but TD/Schwab has none.
I have 26 UWMC calls expiring next week 
Whats the deal with the option volatility on UWMC? I bought some calls for tomorrow, but I didnt gradute the third grade.
UWMC options now depending volatility expansion 
So horny for UWMC 
# IF YOU DONT BUY UWMC YOU AINT BLACK 
volume is triple normal volume on UWMC it’s about to explode 
# UWMC is squeezing. 26% short interest and massive pump past 2 days. I loaded up on 26 calls expiring next week and 3 this week 
My UWMC average cost is under 3.90. Always liked the stock
I *almost* feel sorry for the folks that have been borrowing my UWMC shares from the day I bought them (for as little as $3.30). I'm curious how shorting work with a stock that's paying out dividends as a return of capital, with subsequent adjusted basis. Since it adjusts my gains, does it that affect the short in any way? Certainly, the price moves differently ex-div than a "regular" stock, and that should impact the bet (but doesn't seem to).
UWMC just confirmed their next payout
I worked at COOP during part of this last refi boom. They continue to make a ton of money through loan servicing. The loan servicers get paid by collecting payments from the borrowers and Nationstar (Mr. Cooper) is closing in on hitting 1 Trillion in servicing. Their refinance department hounds people all day long to refinance, and because they are servicing the loan, they get a very large amount of the business. UWMC refers back the broker when customers call in and is loved, by Brokers, for not trying to convert the clients. Quicken/Rocket, try to steal all the broker business by going internally. In terms of Loan Depot, Anthony Hsieh has been very successful, most expensive house in Orange County, fleet of boats and ex wives, but he doesn't have a servicing department. He has sold many companies in the past, so at the low valuation a consolidation or takeover is more likely. Something like 60-80% of the population has rates below 4% so there are not a ton of people left to refinance if rates don't drop into the high 3s again. I bought UWMC, went up nicely and then got slammed, I am still holding it, only for the dividend. I should have bought COOP, look at the chart.
Nothing against UWMC. May look into them as well.
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.