UWMC

iwaseatenbyagrue

Oh yea its UWMC

ShroomGrown

UWMC shareholders in shambles. (It's me)

Deadshot_TJ

Woah there goes UWMC

ByahhByahh

Can you refinance a share price? $UWMC

RamseyHatesMe

UWMC bag holder here. AMA.

Amitriptylinekoning

Bag 7: AMD SNDK BBAI COIN MSTR TTD UWMC

ShroomGrown

Oh lordy UWMC shitting the bed

SPAC_Time

[UWM Holdings Corporation Announces Second Quarter 2026 Results](https://www.businesswire.com/news/home/20260805148809/en/UWM-Holdings-Corporation-Announces-Second-Quarter-2026-Results) \- UWMC "Subsequent to June 30, 2026, the Company's Board of Directors determined to suspend its quarterly dividend."

RamseyHatesMe

UWMC please hit $2.50 today FFS

RamseyHatesMe

UWMC having a decent morning. https://preview.redd.it/zllo3n4oj6gh1.jpeg?width=1290&format=pjpg&auto=webp&s=ecc421bf010582e88d3e80d206fe4b8226f898bf

WinnersWin21

No UWMC is the most undervalued right but you regards like to buy high and sell low.

Asleep-Strike4978

Buy one $UWMC. 100% return in a year

UnsettledOnPurpose

You can't argue with "logic" like that! 🤣 What a great rebuttal to the DD! "It was promoted before, so it is no good because I said so." I have yet to find an intelligent UWMC bear.

geneticdeadender

Jeremy is buying it. I plan to buy some, but I can't stop pouring money into UWMC. At this price I'm getting 18% dividend. When interest rates drop it will fly. But I think NFLX will turn around. The deal with Paramount put 2 billion in their pocket and NFLX is better off without them. Better days ahead. People are making choices to put gas in the car and cutting back on extras. That won't last forever. Even if Iran keeps the Strait closed it will cause demand destruction and prices will stabilize.  Fun times.

l8nite

UWMC. I have lost millions.

Particular-Wrongdoer

UWMC. Hot garbage 🗑️ 🔥

DedBeatLebowski

UWMC when all that nonsense was going on, that was the last time I've ever tried trading a WSB stock lol

BFox1982

Wait until you hear about UWMC!

REEMFMetalHead

Scalped UWMC and back in at 2.04 lol. Not sure if that's stupid or not.

REEMFMetalHead

Alright. UWMC is moving now.

RamseyHatesMe

Bro, how shorted is UWMC FFS.

Asleep-Strike4978

After June 18, my biggest bag would be $UWMC. Tried to play theta gang…got played by the market

thepompompom

UWMC!!

n8walker_ger

Anyone still remember UWMC?

Asleep-Strike4978

If things crashes, I will be adding $SPCE, $UWMC, $RKT, and $Z to my long term investment portfolio

Asleep-Strike4978

I got trapped in UWMC. theta gang life

AveABarrelAddict

UWMC

Moto_Mik6933

RKT and UWMC are going to the moon soon.

AveABarrelAddict

UWMC

AveABarrelAddict

Buy UWMC?

Asleep-Strike4978

UWMC wanted TWO. They got 2.$$

MikeSSC

Or 2 million in UWMC and make $200k a year in divvies.

legible_print

What are your next picks? I think MU might give up another 20-30%. AVGO might cut the shenanigans. I like UWMC if they cut rates. Some microcap plays that are aspirational brands beat down by the economy.

OTMallthetime

I wonder what this will do to UWMC as a consequence.

ai-moderator

#TLDR --- Ticker: TWO Direction: Up Prognosis: Buy $12 April Calls Catalyst: Unsolicited $10.70/share buyout offer sparking a potential bidding war Vibe: UWMC and RKT fighting over Mortgage Servicing Rights like seagulls over a french fry

Free-Worldliness2915

I did it with UWMC. I’m expecting them to announce a big q1 with refi’s. Everyone that bought the last 3 years is doing it already to save a couple hundred a month. Add in Ishbia increasing the float for the hedgies to make some money and make his restricted stock pop and it’s due. Oh and new fed chair will likely drop rates. At least I can hope lol.

Boston-Bets

[UWM Holdings](https://www.cnbc.com/quotes/UWMC/) – The mortgage originator advanced almost 7%. UWM lifted its first-quarter revenue outlook, calling for $800 million to $900 million, up from earlier guidance of $650 million to $850 million. The new forecast beat the FactSet consensus estimate of $641.3 million. Bullish for RKT, as this means that RKT will also likely have a fantastic Q1, and hit the high end of their guidance (while also reporting record profits, and continued integration of Redfin and COOP).

durian_in_my_asshole

Holy V on UWMC. This piece of shit stock has been a printer for me for years now. Buy in the low $4 range, sell in the $6 range. I go for calls but you can even buy shares and get ~9% divvies. Note of caution, the CEO is a psychopath with a fetish for share value destruction.

ShroomGrown

Up 10% on UWMC shares i bought yesterday

tech01x

My cost basis on UWMC is mostly in the $3’s… and with a solid dividend, it’s a good place to park some money to work for you. It seems to bounce $4 to $6 lately, depending on outlook for interest rates. Sold over half last time it went well over $5. Sold a bunch of puts in the latest drop to DCA. With interest rates likely flattish to dropping a bit, and the real estate market being cyclical and eventually recovering, it’s not bad to have this provide qualified dividends.

Boston-Bets

RKT's down today because a key rival UWMC missed their EPS number (due to new purchases lagging ReFi's) RKT's ER is tomorrow AH, and it's expected to be a very good one. Last chance to load up on calls.....

ByahhByahh

No more mortgages for anyone $UWMC

ShroomGrown

Buy the UWMC dip. 10% per year dividends at this price

Bagholder147

UWMC?

ShroomGrown

Got gaped by UWMC today. Celebrating with some tequila

IWillMakeYouBlush

Agency mortgage REITs are typically very much hedged against interest rate changes (with slight bias towards under hedging) so it’s really just that now their bonds trade tighter and since they are simple a basket of liquid securities, they trade off Of their book value which should go up. All the Refis benefit RKT and UWMC and all. But yes your point are that reinvestment rates are lower is true on refi’s BUT with a new structural buyer, rate volatility for mbs will be less so mortgage REITs can lever more to compensate.

IWillMakeYouBlush

I’ll repost with these but here. Thoughts on agency MREITs with 12-20% yield like AGNC, NLY, DX, ORC, TWO, ARR etc., (and mortgage companies like RKT, LDI, UWMC.) My basic thesis is below but I’d like outside opinions since every friend I have from working in the mortgage industry has no opinions. Please tell me where I am wrong. Mortgages companies and Mortgage REITS (probably the best risk adjusted value niche in the market) • ⁠It affects so many people (and therefore our justifiably unpopular president’s popularity leading into midterms) and is driven by policy and regulation that the executive branch largely has control over. Trump has more • ⁠Mortgage spreads are historically wide when corporate spreads (ex ORCL) are tight • ⁠Deregulation for mortgages and banking • ⁠Lower Capital requirements means more lending • ⁠Funding/repo rates are gonna drop more with the federal • ⁠LT rates anchored with largest treasury buybacks of all time • ⁠MREITs yield 12-20% dividends so when rates fall and will look even more attractive on a relative basis. Meanwhile their higher net interest spread will make them more profitable and they should continue to appreciate. • ⁠Financial/Mortgage companies are full of paper pushers who do countless repetitive tasks whose jobs are the most easily replaced with AI. No edge AI sensors or insane computational energy needed for how straightforward these are. Headcount expense can plummet. Outside catalyst bet: - Declaring housing an emergency, Trump can order his new lackey at the fed is to start to buy mortgage bonds in some form of QE tightening spreads. Potential Risk - People may not want to move cuz of their mortgage rates and material costs can rise with the inevitable “run it hot” inflation. Also, K shaped economy and labor weakness.

Boston-Bets

[https://www.cnbc.com/2026/01/07/mortgage-demand-drops-nearly-10percent-to-end-2025.html](https://www.cnbc.com/2026/01/07/mortgage-demand-drops-nearly-10percent-to-end-2025.html) Wonder how this will affect players like RKT and UWMC.

lamachejo

UWMC , will double when 10 years go under 4%, and 2026 will be the year when that happens. Inflation cooling, fed lowering rates and gov pushing for cutting interest paid on debt, housing rebound, trading at very reasonable multiples right now.

Asleep-Strike4978

Anybody knows why my UWMC holdings converted to UWMCW and dumped from $4.90 to $.0002

ShroomGrown

Sold MSOS and bought UWMC dip. Smart? Probably not

tech01x

D, ETN, UWMC. Qualified dividends + electric transition to continue for decades.

Kachowxboxdad

Not a bad pick, I like everything I’m holding but I added 200 shares of UWMC to follow along

Boston-Bets

OPEN is a meme. Whatever new CEO they have, their business model is fundamentally flawed, and margin poor. Last time I checked, they had four houses in the Boston area on their website. FOUR. UWMC is a high volume low margin player. They are basically the back end to 1000's of mortgage brokers Nationwide. Their profit per mortgage application is waay lower than RKT.

Corben11

Its interesting cause its all % right. Like my portfolio is up about 1000% for the year. Like it'd be 1000% if I had put in 1 million dollars or $200. But im just a poor playing for pennies. Low stakes for sure. Made 500% off DVLT, 136% off BYND, 197% off TLRY, 200% off GNW, 109% off ARDX, 64% off UWMC, 40% off buru, -23% off SENS and -44% off ATCH (this one is actually confusing) I did a few others but sold at break even or a tiny profit. Wish I had the money to blow.

Substantial_Ice_2525

Is this the UWMC+?

kaikemy

I took hits from CLVR and UWMC but thankfully they weren't huge

thicctarik

lmao i just stumbled upon HOUS. i'm not sure what this stock is but it is apparently being bought out by another another real estate brokerage called Compass. HOUS currently up 51% premarket to currently $10.72 but based on what i read the fair value is $13.01 after acquisition. it seems like there is a shakeup within the real estate market for now. possibly with the likes of LDI, OPEN, UWMC etc.

ThinningHairDontCare

It made no sense. UWMC at least has the market share in the same space and is cheap too. OPEN is one of the only players within its space in real estate.

Boston-Bets

It's another OPEN type PnD. What did you think it was? Value investing? On a .25% rate cut, with competitors like RKT and UWMC?

ThinningHairDontCare

being in the real estate space, OPEN makes sense. LDI does not. Going to be a lot of LDI bagholders regardless of a meme run up. UWMC not bad as an alt if someone wants the loan originator exposure.

SpartanInvestment

I get the argument that UWMC looks “simpler” than Rocket, but that’s kind of the point. Rocket burns billions on marketing and apps, but at the end of the day mortgage origination is still a rate- and volume-driven business. All that extra stuff didn’t stop their earnings from tanking when rates spiked. If anything, it just added more overhead. UWMC kept it lean and wholesale-focused. They don’t have to set money on fire just to keep volume flowing. They already control close to 50% of wholesale, and that’s a moat Rocket can’t buy no matter how much it spends. Brokers stick with UWMC because it’s cheaper and faster, not because of an app. That efficiency edge is what really matters when volumes rip higher once rates start coming down. On the “they don’t deserve a bigger multiple” point — it’s not about slapping a tech multiple on them, it’s about earnings. UWMC pulled in $3.4B EBITDA in 2020 during the refi boom. The market cap right now is around $11B. Even if they only get halfway back to that, the stock deserves to rerate higher. That’s not a tech premium, that’s just fair value based on proven earnings power. And the whole “Durant vs. Hornets” analogy doesn’t really hold. Rocket’s “Durant” is its giant servicing arm, but that’s a double-edged sword. When rates drop, servicing values fall because prepayments surge. In 2020–21, Rocket had to write down billions on its MSR book. UWMC doesn’t have that drag today, so their numbers should be cleaner when originations take off. Plus, they’re rolling out in-house servicing in 2026, so they’ll get the retention upside too — just with better timing. End of the day, Rocket looks flashier, but the spending hasn’t translated into better profitability through the cycle. UWMC might look “boring,” but boring is exactly what works when the Fed cuts and refis flood back. Simple, lean, wholesale dominance isn’t a weakness…it’s exactly what sets them up for the biggest earnings snapback in the space.

Tepeshe

my UWMC calls needs more cuts

thr0waway12324

Can you explain why rocket has more revenue on less origination volume? From your post: UWMC: $40B -> $0.758B RKT: $29B -> $1.36B Why such a higher conversion rate for or whatever it’s called for monetizing the loans?

Boston-Bets

IF this is true, LMAO at all the regards thinking this was going to $10 and the next OPEN (which is still a SCAM). I bought ONE share, just to keep track of this stock. LOL. Want to play interest rates and housing/mortgage market, buy either RKT or COOP (I own both), or UWMC (if you want lower growth but a dividend).

iyilikpenisi_

i trust u mate. I'm the son of an oligarch in Russia. I just bought an UWMC at your suggestion. If it doesn't reach 10x in a year, the KGB will come after you and I'll send you and your family to the gulag.

dananmay

Ended up buying 60 contracts of UWMC 1/16/26 7.00 C @ 0.75, already taking a bit of a beating. Let's see what happens tomorrow.

Boston-Bets

Bingo. Give this man a Cigar. He get's it. I'm telling OP that UWMC is a 2x and 2yrs (as it RKT), and that's apparently not good enough for a "lean mortgage business" for him. LOL.

Tapprunner

I get why you like UWMC - I briefly owned some, then sold it to buy more RKT. But this whole DD looks more like motivated reasoning, rather than letting the logic do the driving. Here's why: It seems like you've latched on to UWMC, so you look at things backwards, in an effort to justify it. "Unlike RKT, they don't spend billions on flashy apps.." That's a strange way to say "this company doesn't invest much in technology or marketing and they have nothing going for them except their traditional core business." RKT has a whole suite of financial services that they are offering and they just acquired Redfin and Mr Cooper. UWMC doesn't have anything like that to help them drive their business forward. It's like comparing the 2017 Warriors to the Charlotte Hornets and thinking that Charlotte's lower payroll is a sign that they are a better bet to win the title. Yes, they don't spend as much on contracts for players like Kevin Durant. But that also means they don't have players like Kevin Durant. "They run a simple, lean mortgage business" Then why would you think they deserve a larger multiple? It's a fine business to be in. But there's a reason companies like UWMC don't get valued like tech companies... Because they aren't tech companies. They are entirely reliant on macroeconomic conditions and have limited upside because they run a simple, lean mortgage business. Most of your reasons for loving UWMC are things I would look at from the complete opposite direction and conclude that there are other stocks (like RKT) that have far far more potential.

dananmay

Thoughts on UWMC 10/17/25 7 C @ 0.4? Thinking of loading up but I'm not sure if that's too soon for that kind of pop.

Boston-Bets

Connections to RKT leadership. Oh, that changes everything. LoL 2x in 2 years for both RKT and UWMC is my prediction. We'll see who's right.

SpartanInvestment

You're missing the point — UWMC is clearly mispriced vs RKT and has serious catching up to do. When they blow out Q3 earnings, you'll see a rerating real fast.

Boston-Bets

All I know is that the "market" has driven both UWMC and RKT up 50% in the last 2 months. You expect UWMC to go 2-3x, that means RKT does the same/similar. I'm expecting 2x from RKT by '27, so that's a reasonable expectation for UWMC in the same timeframe.

SpartanInvestment

1. “Rocket doesn’t have a servicing drag, it’s got a huge servicing arm that’s only going to get bigger with COOP.” Yes, Rocket’s servicing book is massive (north of $600B UPB). That’s a strength in a high-rate environment because it produces steady cash flow. But the math changes when rates fall. Servicing rights are valued on the expected duration of cash flows — and when rates drop, prepayments and refinances accelerate, MSR valuations decline. That’s why servicers record write-downs in rate-cut cycles. Check Rocket’s 2020–21 filings: MSR fair value dropped by billions at the same time originations spiked. So servicing is an asset, but it’s also a drag in a refi wave. UWMC doesn’t carry the same MSR exposure today, so they avoid those write-downs and instead ride the pure origination upside. That’s a critical distinction. And here’s the kicker — they’re not ignoring servicing forever. UWMC has already outlined that in-house servicing launches in 2026, meaning they’ll eventually capture recurring revenue like Rocket/COOP, but for the next couple of years they’re perfectly positioned to benefit without the prepay drag. 2. “UWMC is broker-dependent… they don’t fully control their own destiny.” That’s actually the moat. UWMC built the largest wholesale network in the country and consistently holds ~50% market share. That distribution model gives them lower acquisition costs than Rocket, which has to spend billions on marketing to keep volume coming in. Yes, Rocket benefits from “recapture” today because of its servicing, but again — UWMC closes that loop in 2026 with in-house servicing. At that point it’s wholesale origination + retention. Until then, they dominate broker flow, and in a falling-rate environment, broker volume is exactly where the growth will come from. 3. “It’s already up 50% in 2 months — you think it can 3x from here?” It’s true UWMC has moved with rate-cut expectations, but the market still isn’t pricing in the earnings power. Current market cap is ~$11B. In the last refi boom (2020), they put up nearly $3.4B in EBITDA. Even half of that on a leaner cost base justifies a much higher valuation. This isn’t about hype or “it’s already run.” If the Fed cuts 150–200bps over the next 6–9 months, originations don’t creep up a little — they multiply off trough levels. The stock doesn’t need peak 2020 numbers to justify a 2–3x move from here; it just needs a normal rate-cut cycle. On top of that, the dividend yield is one of the fattest in the space, and the next payment hits September 18th. That’s real cash while waiting for the upside. So when people compare UWMC against Rocket and COOP, the differences are pretty clear. Rocket is the big marketing machine, but its servicing exposure cuts both ways depending on where rates go. COOP is the servicing pure play, which gives it stability but also limits the upside in a refinancing cycle. UWMC, on the other hand, is positioned to capture the surge in origination volume right now, layer in servicing when it launches in 2026, and pay out a strong dividend while you wait.

Boston-Bets

Wrong. RKT doesn't have a servicing drag, it's got a huge servicing arm that's only going to get bigger with COOP. UWMC has a good model but they are broker dependant. Without that servicing arm and high recapture rate, they don't fully control their own destiny. The Street knows this.

Boston-Bets

Good luck! It's already up 100% since last week, so might be a while till it goes up significantly again. PS, they are currently UNPROFITABLE, and losing $$ unlike market leaders like RKT & UWMC.

Boston-Bets

Honestly, IF you want to have a longer term hold, buy RKT. If you want to follow the latest WSB pump n dump, and time the dump, buy LDI. They compete with RKT and UWMC, and are losing $$ vs RKT and UWMC being profitable.

FeelingBid6710

UWMC - the sleeping giant

Pale_Yogurtcloset598

RKT and UWMC are both hot rn too but i like LDI the best because of all the hype it has behind it too, it’s also the second largest mortgage lending company and growing massively so good long term investment too

NotArtificial

UWMC

Boston-Bets

Money losing operation. They might have a better play if they split off their Servicing Business into a separate org. Not sure how they can compete with RKT and UWMC, especially with RKT buying COOP.

AppropriateCat3444

 Cheers! 8 million shares  outstanding makes $UWMC the best play for a rate cut imho..... $uwmc has warrants but they expire January 2026 $uwmcw and erosion is heavy...

Pure_Elevator2204

Not to push this ticker but just have a look at UWMC before the cuts. Curious to what everyone thinks

SpartanInvestment

I do have some UWMC in my portfolio as well 🫡

ContentBlackberry0

Too bullish in here. So it goes to $0. What about UWMC?

Boston-Bets

Exactly. Lower rates are nice, but if you can't execute, they won't help you. Especially with players like RKT and UWMC in the game. https://www.tipranks.com/stocks/ldi#

Roosterneck

UWMC may go way way way up and outpace RKT. Worth looking into.

Blamurai

UWMC is a safe pick, and it shows with their dividend, but it's fairly valued right now. RKT is solid too, but it's technically overvalued by some metrics. The market is pricing in how well RKT will integrate its acquisitions, so that's what you're betting on imo. LDI is riskier than both, but has way more to gain if they show that they can turn the ship around. Can I get a source where they don't have a servicing business? That's how the stock started to pop, with Citron stating LDI's MSR puts them at $5 a share alone. Here's one link: https://nationalmortgageprofessional.com/news/ldi-stock-surges-after-citron-research-spotlights-servicing-business

Boston-Bets

Why a LEAP? LDI can't scale like RKT or UWMC if Refi's start to fly, and they definitely can't complete with RKT price or ask in one service. Nor are they in the servicing business like RKT and COOP. In short, this might fly short term with rates cut next week, like anything and everything mortgage related, or that news might already be priced into the stock price. I'm sticking with my $1m+ bet on RKT and COOP

Boston-Bets

LoL. Just buy COOP or RKT instead, instead of money losing LDI RKT and UWMC can scale when rates drop, profitably.

ceeser8

If your estimate is 40 for LDI what would $UWMC be ? They are THE leading lender

FeelingBid6710

I got LDI today also UWMC - you have any thoughts on this one?

FeelingBid6710

Is $UWMC mispriced? I see other mortgage lenders like LDI and RKT going crazy but this one not by the same magnitude. Either way spent $6k in Dec calls

FeelingBid6710

Bought calls on this and $UWMC - not sure why this one lags LDI and RKT but banking on it closing the gains gap

NotArtificial

UWMC - mark my words this will be a 20x+ bagger in 12 months.

ByahhByahh

Up over 60% in 6 weeks on my $UWMC position and of course it's the smallest position I've ever taken in something. I used to open a position the size of a small European country on a company I just learned existed that same day. Getting old is a bitch.

BigBritches619

No no no no. OPFI, QBTS and UWMC

tigri88

UWMC Everyone knows rocket . But this is The largest wholesale mortgage company in the US. They have the largest broker Network. When those refinancing kick in once the rates go lower, guess where the Brokers are going to go to. Plus it has a ridiculous dividend

1_This_is_my_Swamp_1

UWMC climbing, my shares and calls are looking good today. Cry harder housing bears.

ByahhByahh

$UWMC has done nothing for me but go up from the second I bought it but unfortunately I was a Responsible Investor™ and only bought a small amount of it.