What happened
In a filing so bureaucratic it could have been penned by a sleep-deprived goblin, Integrated Investment Consultants, LLC revealed a new position in UWM Holdings Corporation (UWMC +1.39%), acquiring 5,357,968 shares. One imagines the SEC’s computers shuddering as this transaction, worth $32.63 million, slithered into their databases like a serpent in a ledger.
This stake, now 5.53% of the firm’s 13F reportable assets, crouches third on their portfolio’s throne. The numbers, like a ledger’s ghost, whisper of a calculated gambit-perhaps the scent of AI-driven loans or the faint hope that a lawsuit might one day dissolve like morning mist.
What else to know
This is no mere investment; it is a declaration of war against the mundane. The new holding, 5.53% of AUM, sits beside titans like IWF ($52.18M) and IWP ($47.24M), as if the market itself were a banquet table where UWMC is the last course, served lukewarm.
The stock’s price, $4.90 as of November 17, 2025, has tumbled 14.19% in a year, trailing the S&P 500 by 23.87 percentage points. A number that, in the grand opera of finance, might be the overture to a tragicomedy.
UWMC’s trailing revenue? A paltry $1.895 billion. Net income? A mere $16.89 million. Dividend yield? A siren’s song at 8.07%, though one wonders if the dividend itself is a mirage.
Company Overview
| Metric | Value |
|---|---|
| Revenue (TTM) | $1.37 billion |
| Net Income (TTM) | $16.89 million |
| Dividend Yield | 6.93% |
| Price (as of market close 2025-11-17) | $4.90 |
Company Snapshot
- UWM Holdings, under its United Wholesale Mortgage brand, peddles mortgages like a merchant of dreams-conforming, government-backed, and occasionally cursed.
- Its business model, a labyrinth of brokers and correspondents, resembles a Russian nesting doll of intermediaries, each layer more absurd than the last.
- The company claims to serve America’s homebuyers with technology and scale, though one suspects the technology is a sentient spreadsheet and the scale is a metaphor.
UWM, a titan of the wholesale mortgage world, claims to have originated $41.7 billion in loans last quarter. A number so vast it could fill the Grand Canyon, if the Grand Canyon were a spreadsheet.
Their competitive advantage? A “wholesale channel” so exclusive it might as well be a secret society, and AI assistants that generate 14,000 loans for brokers. A feat that sounds impressive until you realize the AI might be hallucinating.
Foolish take
Integrated Investment Consultants’ bullish bet on UWMC is less an investment and more a séance with the ghosts of market trends. Perhaps they see in UWMC a phoenix rising from the ashes of AI-driven loans, or maybe they simply enjoy the theater of litigation, where lawsuits are just another form of shareholder entertainment.
Yet, shadows linger. A lawsuit, unresolved, hangs over UWMC like a black cloud with a 10% chance of rain. The judge’s refusal to dismiss it entirely suggests the case is less a legal matter and more a bureaucratic farce, a bureaucratic farce with a price tag.
Still, UWMC’s ten-year streak as the nation’s largest mortgage lender is a claim so absurd it could only be true. And if the stock’s recent dip is anything to go by, investors might want to treat it like a haunted house-watch from a distance, but never enter.
Glossary
13F reportable assets: A bureaucratic ritual where institutional investors list their holdings like a confession booth for spreadsheets.
Assets under management (AUM): The total value of investments managed, though one suspects a significant portion is in metaphors.
Dividend yield: A percentage that tells you nothing about the future but everything about the past.
Trailing twelve months (TTM): A time period so specific it could be the title of a Dostoevsky novel.
Wholesale channel: A system where products are sold indirectly, like a game of telephone with money.
Conforming loans: Mortgages that follow rules so rigidly they might as well be written in stone tablets.
Government-backed loans: Mortgages insured by federal agencies, though the agencies themselves seem to operate on caffeine and hope.
Portfolio: A collection of investments, often held together by sheer will and a misplaced sense of optimism.
Position: An amount of an asset owned, though ownership is a concept as fluid as a Gogolian dream.
Holding: An investment, like a pet goldfish-fragile, forgetful, and occasionally dead.
Operational efficiency: A company’s ability to do more with less, though “less” often includes common sense.
And thus, dear reader, we are left to ponder whether UWMC is a phoenix or a moth, circling the flame of AI and lawsuits. A stock worth considering, yes-but only if you enjoy the occasional fire. 🔥
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2025-11-29 03:02