Reddit Posts
26 OCT 2026 , WHAT ARE THE BIGGEST WINNERS AND WHY ?
$BETR: down 58% on a $229M mortgage lender and adding. The AI origination thesis, the balance sheet that could kill it, and the math to $100
$UWMC might be one of the more interesting short squeeze setups going into the next earnings.
I took out a margin loan to buy the Phoenix Suns, but the stock I put up as collateral has tanked. Am I cooked?
$UWMC 22-day class period. Alec Gores named. $17.5M settlement. Late claims open.
Updates for Getting Payment on the UWM Holdings $17.5 million Settlement
UWMC: Record Loan Volume & 2027 Runway Update
UWMC: Record Loan Volume & 2027 Runway Update
TWO receives $10.70 per share unsolicited acquisition proposal - BIDDING WAR LIKELY
MREITs thesis - 12+% yield and capital appreciation - Please Poke Holes
$UWMC - Undervalued real estate option with moderate mid-term upside and solid fundamentals
Opinions on UWMC as a long-term real estate play?
$UWMC is set up for a big rerating - I see 3x potential in the months ahead
Just recommended $LDI, and I’ve also loaded up on $UWMC - here’s why this quiet mortgage stock could 3x in six months.
Just recommended $LDI, and I’ve also loaded up on $UWMC - here’s why this quiet mortgage stock could 3x in six months
$UWMC has 8 million shares outstanding and large short position going into rate cut
$UWMC UWM Holdings Corp. is a wholesale mortgage originator RATE CUTE 8 million shares
$UWMC UWM Holdings Corp. is a wholesale mortgage originator RATE CUTE 8 million shares
$UWMC $UWMCW for rate cut play on lowered interest rates
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 :)))
Mentions
I have been buying into the down sectors. While SAAS was selling off I bought it up. I didn't hold long enough and could have been up 200% easily based on my deep SAAS positions just in stock alone. More recently bought into HD (10%), UPS (15%), UWMC (up 40%), and CHTR (even). These are companies near generational lows. Similar to SAAS. I reserve about 15% of my portfolio for riskier plays like option plays on tech. If I play tech I wait for a more obvious position. MSFT below 400, Apple going into earnings at 345, Amazon at 200 etc. Google may be decent right now but I'm waiting until after the midterms a bit to trade options Google will integrate ads into AI Search at some point and its going to rocket.
UWMC will rally 5x if rates drop….
UWMC and BBW are the only right answers today
The fuck is UWMC smoking? Hey bro, wanna buy some shares at $2 when the stock is a buck? Okay Mat.
Wow, UWMC really fucked up, huh?
"You'll own nothing and be happy." Well I sure as shit wish I didn't own all of this UWMC
https://preview.redd.it/d5dyy0gc56jh1.jpeg?width=1290&format=pjpg&auto=webp&s=b9f494ca3d273504aadd1ffdb3c55d994d376ff6 UWMC
Guess I should thank that retard with the UWMC dd
Why are LDI and UWMC looking like bankruptcy while Rocket crushes it…also will it be a monopoly issue if these other mortgage places fold?
Why does nobody seem to be talking about UWMC?
Op you should look at UWMC too. It can’t go down anymore and the only way is up
UWMC, took me a minute too [https://nationalmortgageprofessional.com/news/uwm-ties-603-million-hedge-loss-failed-two-harbors-bid](https://nationalmortgageprofessional.com/news/uwm-ties-603-million-hedge-loss-failed-two-harbors-bid)
OIL could learn something from UWMC
I bought UWMC back when it was $10 lmao
this sub is so retarded they dont even know UWMC this was one of the meme stocks back in the gamestop era
UWMC: Each holder of Class A Common Stock as of the Record Date will receive one subscription right for each share of Class A Common Stock owned (each, a "Right"). Each Right will entitle the holder to purchase its pro rata portion of the 200 million shares of Class A Common Stock offered at a subscription price per share equal to the greater of: (i) $2.00 and (ii) 85% of the volume-weighted average price per share of the Class A Common Stock during the ten consecutive trading days commencing on October 27, 2026 and ending on November 9, 2026. The Rights will be transferable and listed on the NYSE.
UWMC shareholders in shambles. (It's me)
Can you refinance a share price? $UWMC
UWMC bag holder here. AMA.
Bag 7: AMD SNDK BBAI COIN MSTR TTD UWMC
Oh lordy UWMC shitting the bed
[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."
UWMC please hit $2.50 today FFS
UWMC having a decent morning. https://preview.redd.it/zllo3n4oj6gh1.jpeg?width=1290&format=pjpg&auto=webp&s=ecc421bf010582e88d3e80d206fe4b8226f898bf
No UWMC is the most undervalued right but you regards like to buy high and sell low.
Buy one $UWMC. 100% return in a year
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.
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.
UWMC. Hot garbage 🗑️ 🔥
UWMC when all that nonsense was going on, that was the last time I've ever tried trading a WSB stock lol
Wait until you hear about UWMC!
Scalped UWMC and back in at 2.04 lol. Not sure if that's stupid or not.
Alright. UWMC is moving now.
Bro, how shorted is UWMC FFS.
After June 18, my biggest bag would be $UWMC. Tried to play theta gang…got played by the market
Anyone still remember UWMC?
If things crashes, I will be adding $SPCE, $UWMC, $RKT, and $Z to my long term investment portfolio
I got trapped in UWMC. theta gang life
RKT and UWMC are going to the moon soon.
UWMC wanted TWO. They got 2.$$
Or 2 million in UWMC and make $200k a year in divvies.
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.
I wonder what this will do to UWMC as a consequence.
#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
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.
[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).
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.
Up 10% on UWMC shares i bought yesterday
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.
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.....
No more mortgages for anyone $UWMC
Buy the UWMC dip. 10% per year dividends at this price
Got gaped by UWMC today. Celebrating with some tequila
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.
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.
[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.
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.
Anybody knows why my UWMC holdings converted to UWMCW and dumped from $4.90 to $.0002
Sold MSOS and bought UWMC dip. Smart? Probably not
D, ETN, UWMC. Qualified dividends + electric transition to continue for decades.
Not a bad pick, I like everything I’m holding but I added 200 shares of UWMC to follow along
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.
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.
I took hits from CLVR and UWMC but thankfully they weren't huge
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.
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.
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?
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.
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.
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?
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).
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
UWMC - the sleeping giant
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
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.
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...
Not to push this ticker but just have a look at UWMC before the cuts. Curious to what everyone thinks