LoanDepot (LDI) aumenta en un 27% debido al plan de bonos hipotecarios de 200 mil millones de dólares propuesto por Trump. ¿Será este el catalizador que impulse el auge del sector?

Summary
• LoanDepot (LDI) gaps up 27.25% to $3.105, trading at its intraday high of $3.135
• Trump’s $200B mortgage bond purchase plan sparks 17% premarket surge in LDI
• Rocket Companies (RKT) surges 9.16%, leading mortgage finance sector

LoanDepot’s stock is trading at its highest level since November 2025 amid a sector-wide rally driven by President Trump’s announcement to buy $200 billion in mortgage bonds. The move has ignited optimism in housing affordability, with LDI’s 27.25% intraday gain outpacing peers like Rocket Companies (RKT). With the stock trading near its 52-week high of $5.05, traders are scrambling to assess the implications of Trump’s policy shift on mortgage rates and market liquidity.

Trump’s Mortgage Bond Plan Ignites Sector-Specific Optimism
LoanDepot’s explosive 27.25% surge is directly tied to President Trump’s announcement that Fannie Mae and Freddie Mac will execute a $200 billion mortgage bond purchase to lower housing costs. This policy move aims to reduce mortgage rates and monthly payments, directly benefiting mortgage lenders like LDI. The stock’s premarket gap up from $2.44 to $2.81 aligns with broader sector momentum, as competitors such as Rocket Companies (RKT) and Opendoor Technologies (OPEN.O) also rallied. The Federal Housing Finance Agency’s confirmation of Fannie Mae and Freddie Mac’s involvement further solidified market confidence, with Trump emphasizing his administration’s focus on the housing market.

Mortgage Finance Sector Rally: LDI Outpaces RKT Amid Policy Tailwinds
LoanDepot’s 27.25% gain dwarfs Rocket Companies’ (RKT) 9.16% intraday surge, reflecting divergent market perceptions of their exposure to Trump’s mortgage bond plan. While both companies benefit from lower mortgage rates, LDI’s digital mortgage platform and high leverage ratio (3.47 beta) amplify its sensitivity to policy-driven liquidity injections. The sector’s broader rally, with UWM Holdings (UWMC) up 7% and Opendoor (OPEN.O) up 10%, underscores the market’s belief that Trump’s intervention will stabilize housing demand. However, LDI’s 17% premarket jump suggests investors view it as a more direct beneficiary of the $200 billion program.

Options Playbook: Leveraging LDI’s Volatility with Gamma-Driven Calls
• 200-day MA: $2.09 (well below current price)
• RSI: 62.96 (neutral to bullish)
• MACD: -0.10 (bearish) vs. Signal Line: -0.14 (bearish)
• Bollinger Bands: Price at $3.105 (above upper band of $2.75)

LoanDepot’s technicals suggest a short-term overbought condition, but the stock’s 27.25% surge has created a high-gamma environment for options traders. The key resistance lies at the 52-week high of $5.05, while support is near the 200-day MA of $2.09. With implied volatility spiking to 139.10% for the LDI20260116C3 call, traders should focus on high-gamma, high-leverage contracts to capitalize on rapid price swings.

Top Option 1: LDI20260116C3
• Contract Code: LDI20260116C3
• Type: Call
• Strike Price: $3.00
• Expiration: 2026-01-16
• IV: 134.71% (high volatility)
• Leverage Ratio: 10.35% (moderate)
• Delta: 0.609 (moderate sensitivity)
• Theta: -0.023 (rapid time decay)
• Gamma: 0.620 (high sensitivity to price movement)
• Turnover: 41,545 (high liquidity)

This call option offers explosive potential if LDI breaks above $3.00, with gamma amplifying gains as the stock rises. A 5% upside to $3.26 would yield a payoff of $0.26 per contract, translating to a 500% price change ratio. The high IV justifies the premium, given the sector’s policy-driven momentum.

Top Option 2: LDI20260130C2.5
• Contract Code: LDI20260130C2.5
• Type: Call
• Strike Price: $2.50
• Expiration: 2026-01-30
• IV: 199.86% (extreme volatility)
• Leverage Ratio: 4.44% (low)
• Delta: 0.756 (high sensitivity)
• Theta: -0.0136 (moderate time decay)
• Gamma: 0.206 (moderate sensitivity)
• Turnover: 21,039 (high liquidity)

This out-of-the-money call is ideal for a conservative bullish bet, with a 180% price change ratio potential if LDI holds above $2.50. The high IV and moderate gamma make it a cost-effective play for a mid-term rally, especially if Trump’s policy gains traction by mid-January.

Trading Hook: Aggressive bulls should load up on LDI20260116C3 if $3.00 breaks, while conservative players may trail LDI20260130C2.5 into a pullback above $2.75.

Backtest loanDepot Stock Performance
The strategy of buying an intraday percentage change of 27% for the Low Volatility Dividend ETF (LDI) from 2022 to now resulted in a significant loss. The strategy's CAGR was -15.34%, with a maximum drawdown of 0.00% and a Sharpe ratio of -0.19, indicating a risky and underperforming strategy compared to the benchmark, which had a return of 42.97% during the same period.

LDI’s Policy-Driven Rally: A Short-Term Play on Trump’s Housing Agenda
LoanDepot’s 27.25% surge is a direct response to Trump’s $200 billion mortgage bond plan, with the stock trading near its 52-week high of $5.05. While technicals suggest overbought conditions, the policy-driven tailwind justifies a bullish bias in the short term. Rocket Companies (RKT) leading the sector with a 9.16% gain reinforces the market’s belief in Trump’s intervention. Traders should monitor LDI’s ability to hold above $3.00 and watch for a breakdown below $2.75, which could trigger a retest of the 200-day MA at $2.09. For now, the LDI20260116C3 call offers the highest gamma-driven potential, but caution is warranted as the stock’s beta of 3.47 amplifies volatility.