UWM Holdings Corporation Class A (UWMC) Covered Calls

UWM Holdings Corporation is the parent company of United Wholesale Mortgage, the largest wholesale mortgage lender in the United States. It operates exclusively through the wholesale channel, partnering with independent mortgage brokers to provide residential loan products. The company uses a proprietary technology platform to streamline underwriting and closing for conventional, FHA, and VA loans, focusing on speed and efficiency for the broker community.

You can sell covered calls on UWM Holdings Corporation Class A to lower risk and earn monthly income. Born To Sell's covered call screener gives you customized search capabilities across all possible covered calls but here are a couple of examples for UWMC (prices last updated Fri 4:16 PM ET):

UWM Holdings Corporation Class A (UWMC) Stock Quote
Last Change Bid Ask Volume P/E Market Cap
4.89 +0.19 4.80 4.95 15.3M 52 7.5
Covered Calls For UWM Holdings Corporation Class A (UWMC)
Expiration Strike Call Bid Net Debit Return
If Flat		 Annualized
Return If Flat
Feb 20 5 0.10 4.85 2.1% 95.8%
Mar 20 5 0.15 4.80 3.1% 31.4%
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UWM Holdings Corporation (UWMC) operates as the leading intermediary in the American residential mortgage market. Unlike retail lenders, UWM focuses entirely on supporting the independent mortgage broker community, providing them with the liquidity and technological tools necessary to compete with large national banks.

Core Business and Products

  1. Wholesale Mortgage Lending: The company’s primary revenue driver is the origination and sale of residential mortgages. By working exclusively with brokers, UWM avoids the high overhead costs associated with maintaining physical retail branches.
  2. Proprietary Technology Platforms: UWM provides brokers with advanced software like BOLT, an automated underwriting system, and ChatUWM, an AI-powered assistant that helps processors manage loan documentation in real-time.
  3. Mortgage Servicing Rights (MSR): The company retains a significant portfolio of servicing rights, which generates recurring fee income and provides a natural hedge against fluctuating interest rates.

Competitive Landscape

The mortgage industry is characterized by intense competition for loan volume and margin. UWM’s most prominent rival is Rocket Companies, which now includes the integrated operations of both Redfin and Mr. Cooper. Other significant competitors in the tech-enabled lending and servicing space include PennyMac Financial Services. Additionally, the company competes for market share against diversified fintech firms like SoFi that offer mortgage products alongside other financial services.

Strategic Outlook and Innovation

The company is focused on scaling its operational capacity to handle higher volumes without increasing fixed costs. A key strategic priority is the expansion of its servicing portfolio through targeted acquisitions to build long-term cash flow resilience. Innovation efforts are centered on generative artificial intelligence to further automate the triage phase of mortgage applications, reducing human intervention in the initial review of credit and income data. By launching loyalty and reward programs for homeowners, UWM aims to help independent brokers maintain lifelong relationships with their clients, ensuring a steady stream of referral and repeat business regardless of broader market cycles.