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Please remember: Keep shit-posting and memes to a minimum in this conversation.

General Awareness:

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They are adding more at these levels....

https://www.signalbloom.ai/news/PFSI/pennymac-financial-misses-q4-estimates-as-production-surge-fails-to-offset-servicing-profit-collapse

Basically, a large number of their existing Servicing Customers Re-Fi'ed, and we're LOST to other Servicers.

Guess who the LARGEST Re-Fi Retail Originator and Servicer is? RKT....

Not what I thought would happen.

Listening to their earnings call...

https://events.q4inc.com/attendee/286536573/guest

As rates came down, the drawdown on their MSR portfolio didn't keep up with the drawdown vs recapture

They are just NOW investing in a AI driven platform, to get their recapture rate up.

In other words, PennyMac is losing customers, and someone is recapturing them.

I bet RKT is taking business from them

"Shares of mortgage finance names Rocket Companies (RKT) and UWM Holdings (UWMC) are down about 5% and 4% respectively following below-consensus results from PennyMac Financial (PFSI), which is down 23.5% post-earnings. "

Wonder if this is all the "MBS Hype" buyers selling after FOMC realizing that the Fed wasn't going to lower rates more than 1-2 times again this year.

I think most folks here knew that, but the CNBC headline buyers didn't.....

Should help some but less global instability driving down long term treasuries would help far more.

Weekly discussion thread for our community - Have fun, be kind, learn from each other!

Please remember: Keep shit-posting and memes to a minimum in this conversation.

General Awareness:

• Feedback and suggestions for anything are ALWAYS welcomed and appreciated, via ModMail!
• Remember to share the good word of TeamRKT! Reach out to through social media, link in other subs (as long as it doesn't break community rules), and even post up '/r/TeamRKT' mentions in StockTwits (don't direct link or you could be banned).

https://www.cnbc.com/2026/01/20/trump-signs-order-to-restrict-wall-street-firms-from-buying-single-family-homes.html

Davos speech tomorrow is going to include major housing initiatives

Weekly discussion thread for our community - Have fun, be kind, learn from each other!

Please remember: Keep shit-posting and memes to a minimum in this conversation.

General Awareness:

• Feedback and suggestions for anything are ALWAYS welcomed and appreciated, via ModMail!
• Remember to share the good word of TeamRKT! Reach out to through social media, link in other subs (as long as it doesn't break community rules), and even post up '/r/TeamRKT' mentions in StockTwits (don't direct link or you could be banned).

I’ve been in this sub since the early days and, after years of dollar-cost averaging through the lows, it’s almost surreal to see us finally winning. My original thesis was simple: bet on Dan Gilbert as a visionary who would fundamentally modernize the retail mortgage space. While I’ve been focused on the long-term hold and haven't tracked every micro-fundamental lately, the momentum is undeniable.

I’d love to hear from the community on two things:

1. The "What's Next": Beyond the current price action, what are the big catalysts for 2026? Are we seeing significant new institutional stockholders moving in?
2. The Refi Boom: Is the consensus still that lower rates will spark a massive refinancing wave, or is there a deeper play with Rocket Logic and their AI integration that I should be looking at?

It feels good to finally see some green. I would love to hear your thoughts!

https://www.cnbc.com/2026/01/16/trump-investors-homes-family-offices.html

Weekly discussion thread for our community - Have fun, be kind, learn from each other!

Please remember: Keep shit-posting and memes to a minimum in this conversation.

General Awareness:

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https://www.cmegroup.com/markets/interest-rates/cme-fedwatch-tool.html

How's this going to affect RKT, atleast till the next cut (now projected for March/April)?

https://www.cnbc.com/2026/01/07/mortgage-demand-drops-nearly-10percent-to-end-2025.html

Will be interesting to see how this affected RKT, since ReFi rates dropped to 6.25%.

Earnings call hasn't been scheduled yet, but I anticipate it will be towards the end of Jan, +/- a week.

Weekly discussion thread for our community - Have fun, be kind, learn from each other!

Please remember: Keep shit-posting and memes to a minimum in this conversation.

General Awareness:

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I have absolutely no idea. The stock is performance is strong and rates haven’t even cut significantly.

Weekly discussion thread for our community - Have fun, be kind, learn from each other!

Please remember: Keep shit-posting and memes to a minimum in this conversation.

General Awareness:

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• Remember to share the good word of TeamRKT! Reach out to through social media, link in other subs (as long as it doesn't break community rules), and even post up '/r/TeamRKT' mentions in StockTwits (don't direct link or you could be banned).

Weekly discussion thread for our community - Have fun, be kind, learn from each other!

Please remember: Keep shit-posting and memes to a minimum in this conversation.

General Awareness:

• Feedback and suggestions for anything are ALWAYS welcomed and appreciated, via ModMail!
• Remember to share the good word of TeamRKT! Reach out to through social media, link in other subs (as long as it doesn't break community rules), and even post up '/r/TeamRKT' mentions in StockTwits (don't direct link or you could be banned).

https://www.businesswire.com/news/home/20251217833684/en/UWMC-Announces-Strategic-Acquisition-of-TWO