UWM Holdings (UWMC) Company Report

UWM Holdings Corporation (UWMC) reported strong third quarter 2025 results, with $41.7 billion in loan production, a 130 basis points gain margin, $12.1 million in net income, and $211.1 million in adjusted EBITDA.
For the fourth quarter of 2025, UWMC expects loan production between $43 billion and $50 billion and a gain margin of 105-130 basis points.
The company's AI assistant, Mia, made over 400,000 calls and contributed to over 14,000 closed loans, primarily refinances, demonstrating significant operational impact.
UWMC is on track to bring servicing in-house by Q1 2026, with all new loans closing in 2026 to be serviced internally, and reported a strong liquidity position of $3 billion (or $2.2 billion after bond payoffs).

Nov 6, 2025, 3:00 PM

Transcript

UWM Holdings Corporation Announces Q3 2025 Results and Q4 2025 Outlook

UWMC

Earnings

Guidance Update

Dividends

UWM Holdings Corporation reported Q3 2025 loan origination volume of $41.7 billion, total revenue of $843.3 million, net income of $12.1 million, and adjusted EBITDA of $211.1 million, achieving a total gain margin of 130 basis points.
The company provided Q4 2025 production guidance in the range of $43 billion to $50 billion, with an expected gain margin of 105 to 130 basis points.
A cash dividend of $0.10 per share was declared for the twentieth consecutive quarter, payable on January 8, 2026, to stockholders of record on December 18, 2025.
UWM is advancing its strategy to bring servicing in-house in January through a collaboration with BILT and has utilized its AI Loan Officer Assistant, Mia, to generate over 14,000 loans for brokers.

Nov 6, 2025, 1:46 PM

8-K

UWM Holdings Corporation Announces Third Quarter 2025 Results and Q4 Outlook

UWMC

Earnings

Guidance Update

Dividends

UWM Holdings Corporation reported total revenue of $843.3 million and net income of $12.1 million for the third quarter ended September 30, 2025. Adjusted EBITDA for the quarter was $211.1 million.
The company achieved a loan origination volume of $41.7 billion in Q3 2025, which is its largest quarterly originations since 2021, with a total gain margin of 130 basis points.
For the fourth quarter of 2025, UWM Holdings anticipates production to be in the $43 billion to $50 billion range, with a gain margin from 105 to 130 basis points.
A cash dividend of $0.10 per share on the outstanding shares of Class A common stock was declared, payable on January 8, 2026.
Strategic initiatives include a collaboration with BILT to bring servicing in-house and the use of Mia, an AI Loan Officer Assistant, which has generated over 14,000 loans for brokers.

Nov 6, 2025, 1:30 PM

Press Release

UWM Holdings Corp Enters Indenture for 6.250% Senior Notes Due 2031

UWMC

Debt Issuance

UWM Holdings, LLC, as Issuer, and United Wholesale Mortgage, LLC, as Guarantor, entered into an Indenture for 6.250% Senior Notes Due 2031 with U.S. Bank Trust Company, National Association as Trustee, dated September 16, 2025.
The notes are optionally redeemable by the company on or after March 15, 2028, at the following redemption prices plus accrued and unpaid interest :

Metric	2028	2029	2030 and thereafter
Optional Redemption Price (% of principal)	103.125%	101.563%	100.000%

Prior to March 15, 2028, the company may redeem notes at 100% of the principal amount plus an Applicable Premium.
The company may also redeem up to 40% of the original aggregate principal amount of the notes prior to March 15, 2028, at a price of 106.250% of the principal amount plus accrued interest, using net cash proceeds from an Equity Offering.

Sep 16, 2025, 8:11 PM

8-K

UWM Holdings Corp Reports Q1 2025 Results Announcement

UWMC

Earnings

Guidance Update

Dividends

Q1 2025 performance: Total revenue of $613 million and a net loss of $247 million (primarily due to a $388 million MSR fair value reduction)
Production & Origination: Loan origination volume of $32.4B, including $21.7B in purchase originations, with Q2 production guidance in the $38B–$45B range
Operational Efficiency: Clear-to-close time improved to 12.7 days (down from 13.9 days) alongside a Net Promoter Score of 87.3%
Additional Metrics: Achieved a gain margin of 94 bps and adjusted EBITDA of $57.8M
Strategic Initiatives: Focused on technology investments and bringing servicing in-house by year-end next year to realize annual cost savings between $40M and $100M
Dividend Declaration: The Board declared a cash dividend of $0.10 per share

May 6, 2025, 2:01 PM

Transcript 8-K

UWM Holdings Corp CFO Transition and Appointment Announcement

UWMC

CFO Change

Executive Compensation

Management Change

Mr. Andrew Hubacker transitions to a senior advisor role effective April 1, 2025.
Rami Hasani is appointed as Executive Vice President, Chief Financial Officer and principal accounting officer, with a revised compensation package including a base salary of $330,000, an annual bonus target of $250,000, a long-term incentive award equal to 1.5% of the LTIP pool, and a one-time promotion award of $1.0 million in restricted stock units.
The announcement reflects key management changes and compensation updates crucial for portfolio insights.

Mar 31, 2025, 12:00 AM

8-K

Earnings Transcripts

Quarterly earnings call transcripts for UWM Holdings.

Ask Fintool AI Agent

Get instant answers from SEC filings, earnings calls & more

What did Mat Ishbia say about margins?What are UWM Holdings's strategic priorities?How is UWM Holdings positioned vs competitors?How did UWM Holdings do last quarter?

Let Fintool AI Agent track UWM Holdings's earnings for you

Get instant analysis when filings drop