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
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
I do have some UWMC in my portfolio as well 🫡
Too bullish in here. So it goes to $0. What about UWMC?
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#
UWMC may go way way way up and outpace RKT. Worth looking into.
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
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
LoL. Just buy COOP or RKT instead, instead of money losing LDI RKT and UWMC can scale when rates drop, profitably.
If your estimate is 40 for LDI what would $UWMC be ? They are THE leading lender
I got LDI today also UWMC - you have any thoughts on this one?
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
Bought calls on this and $UWMC - not sure why this one lags LDI and RKT but banking on it closing the gains gap
UWMC - mark my words this will be a 20x+ bagger in 12 months.
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.
No no no no. OPFI, QBTS and UWMC
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
UWMC climbing, my shares and calls are looking good today. Cry harder housing bears.
$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.
RKT Z UWMC and builders **interest rates going down**
So ur saying keep going then? I bought warrants of OPFI waiting for it to go up they expire in july 2026. Another company i think is good rn with a fat dividend is UWMC. I also believe QBTS is going to be big money in the future but its really early rn.
I have 5.5 UWMC puts expiring Friday.... what are my odds?
$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
Next up? I have positions in RKT and UWMC on account of lower interest rates, but I'm not sure if it's too early and perhaps unlikely jpow will give us a rate cut in sept. I got a handful of CNC leaps, and picked up some Oct 17 amat calls today.
I've been buying lenders. They will benefit from rate cuts too. RKT, UWMC.
Hopefully watch UWMC rip some more
People called me a madman when I bought 2,000 shares of $UWMC two weeks ago at $4.20 (literally no one called me that).
I will not be jumping into the UWMC fomo and help pay the Suns payroll 😤
People talking RKT... but have you seen UWMC?
$UWMC +24% in 2 weeks. If only I had had the courage to full port. 😫
Watch UWMC go up another 11% (jk it'll go down)
$UWMC push over $5 today, you slutty little mortgage wholesaler.
UWMC back to $7/sh by Tuesday.
My retarded play hit after only a week let's go. $UWMC. Bought 2k shares at $4.20
UWMC is a better play, and has a hefty dividend
Gonna sound like a boomer, but bear with me. UWMC trading below 4 today and it pays .4 in dividends per year.
The short interest has been approaching 70% atm, comparing to UWMC is just around 15-17%, any ideas why they hate RKT so much? Momentum been killed so fast with that level of short
You must be confusing RKT with UWMC
trump considering eliminating cap gains on home sales. most homes exempt on 250k single 500k married gain so not a big deal. exemption was passed in 97 and not indexed to inflation $RKT prob ripping off that... Buying $UWMC off $RKT action...stock is beaten down
UWMC might be worth looking into
RKT and UWMC are going up in the hopes of rate cuts, which would create more mortgage processing volume. They were at record lows. It has nothing to do with short volume.
It’s only moving because they think rates will go down. Same with UWMC. Shorts aren’t affecting this.
RKT and UWMC are pumping in hopes of rate cuts for increased mortgage volume
BYND - a punished stock that had prev hype and shorted into oblivion had a nice little bumparooski today. TDOC - Telehealth comp that has gotten its shit pushed in since Covid hype. There’s value there. UWMC - if rates go down this will pop + dividend for the fogies. RSKD - my biggest conviction play. Just look at the consolidation. When she goes it’ll be like Robinhood. Problem is when. Hard to say.
If we could due the same for UWMC, I'd make a whore blush.
No it’s not going up. You got the GHIV—>UWMC experience
I got lucky once with LCID. Then I got mega screwed over on GHIV—>UWMC. SPACs honestly suck.
No I got screwed on GHIV—> UWMC. Now I watch them from afar
With the mortgage volume at an all-time low, I'm starting to think about scooping up some RKT and UWMC for when housing starts to turn around. If that ever happens again. And we don't live in some feudalist nightmare. Where we're groped by robots. And not in the good way.
I had one that doubled but i forgot what it is. I am still holding UWMC with the rest of the bag holders. Er, I mean r/uwmcshareholders
UWMC because it gives near a 10% dividend and will rocket up when interest rates finally fall.
UWMC pays 10% dividend, who cares when and how fast it goes.
I raise with the guy that dropped a few millions into UWMC a few years ago
So you sold $10 UWMC puts like a gard or you got lucky and some gard exercised a $10 call?
My best was HIMX about 10 years ago. It was just over a dollar and ran up to about $20 within a year. I did well with RKLB.... Bought at $4 and sold at $9 (way too early but still doubled). I'm in ASTS now, and it's doing well. Worst was UWMC. I bought in, averaged down a few times, and rode out a 50%+ drop for 3 years before selling at what I purchased at. It paid a steady dividend so it wasn't the worst 3 years without a gain.
UWMC still gives .10 dividends per common stock every quarter.
I want to buy shares of a stock and sell options against them while slowly reinvesting the options profit to increase that stock portfolio. I was thinking UWMC. Thought?
My plan yesterday was to buy 90 UWMC. Instead, my dumbass bought a 5/12 547c. I need to stick to my gut.
She’s a 10 and owns 1,000 shares of UWMC, but only for the dividend.
I'm averaging down on UWMC. Yes, I'm regarded
Why is UWMC crashing? Higher rates for longer is being priced in?
UWMC dividends are starting to look juicy
UWMC TO THE MOON, oh the other ishiba
What is going on with RKT? Recently bought some as a dumpster dive, now up 27% YTD. But it doesn’t really make sense. Mortgage activity is down 30% from a year ago, lowest in many years. Twin company UWMC which usually trades in sync is not. What is going on?
UWMC's [32.9% increase in loan origination volume](https://beyondspx.com/article/uwm-holdings-corporation-uwmc-the-mortgage-lender-positioned-for-long-term-success) shows this isn't just some pump and dump trash - they're actually crushing it in the mortgage space. Trying to manipulate warrants is peak smooth brain when the underlying company is printing money and breaking purchase records. Save the pump and dump schemes for the metaverse tokens, this is an actual profitable business that doesn't need your "help" lmao.
Do you still follow / own UWMC? At $6 and a 6.7% dividend kinda looking interesting here..
UWMC, RKT or LDI if you had to choose
UWMC, RKT or LDI if you had to choose
Reconsider. Go for UWMC and wait the rate curve out with hella dividends in the meantime.
GME was a wsb homerun favorite. ...among the dead list of all the other attempted favorites, including but not limited to: UWMC, CLOV, WISH, BBBY, AMC...
Shit stock Been a shit stock for years People been saying oh UWMC to the moon Wrong It’s a shit stock But lithium Americas instead and ride e-bikes on mars with us
All my homies hate UWMC, I got burned too
If you are wanting to trade I get you. I am more a dividend investor that looks for upside. I like UWMC, RITM for breakup, PM for Zuni and cannabis if we get a decrimilazation.
Man I remember getting fucking burned on this bitch back in 2021. It broke a 2 year up trend last month. I’m not getting anywhere near UWMC.