Earnings summaries and quarterly performance for UWM Holdings.
Executive leadership at UWM Holdings.
Mat Ishbia
Detailed
Chief Executive Officer and President
CEO
AE
Alex Elezaj
Detailed
Executive Vice President, Chief Strategy Officer
LL
Laura Lawson
Detailed
Executive Vice President, Chief People Officer
MW
Melinda Wilner
Detailed
Executive Vice President, Chief Operating Officer
AW
Adam Wolfe
Executive Vice President, Chief Legal and Administrative Officer
RH
Rami Hasani
Executive Vice President, Chief Financial Officer
Board of directors at UWM Holdings.
Research analysts who have asked questions during UWM Holdings earnings calls.
Bose George
Keefe, Bruyette & Woods
4 questions for UWMC
Also covers: ACT, AGM, AGNC +25 more
DH
Douglas Harter
UBS
4 questions for UWMC
Also covers: ACRE, ACT, AGNC +42 more
Eric Hagen
BTIG
4 questions for UWMC
Also covers: AGNC, AOMR, ARR +21 more
Jeffrey Adelson
Morgan Stanley
4 questions for UWMC
Also covers: ALLY, AXP, BFH +7 more
MG
Mikhail Goberman
Citizens JMP
3 questions for UWMC
Also covers: ARR, BETR, CHMI +6 more
TM
Terry Ma
Barclays
3 questions for UWMC
Also covers: AER, AL, AXP +16 more
BC
Bradley Capuzzi
Piper Sandler
2 questions for UWMC
Also covers: LC, LFT, MITT +1 more
Derek Sommers
Jefferies
1 question for UWMC
Also covers: CODI, COOP, GHLD +4 more
JJ
Jordan Jay
Philly Financial
1 question for UWMC
Recent press releases and 8-K filings for UWMC.
UWM Holdings Corp Reports Q4 and FY 2025 Results, Details Two Harbors Acquisition Progress
UWMC
Earnings
M&A
Guidance Update
- UWM Holdings Corporation reported FY 2025 Adjusted EBITDA of $697.3 million and Net Income of $244.0 million.
- The company's loan production for Q4 2025 was $49.6 billion, contributing to a servicing UPB of $240.8 billion as of December 31, 2025.
- UWM maintained its position as the #1 overall mortgage lender in the U.S. since 2022 and the #1 wholesale mortgage lender since 2015.
- The acquisition of Two Harbors is on track for mid-Q2, which is expected to result in a pro forma servicing UPB of $392 billion and $150 million in annual potential synergies.
- For 2026, UWM projects purchase volume of $103.7 billion and refinance volume of $107.1 billion.
1 day ago
UWM Holdings Reports Strong Q4 and Full Year 2025 Results, Highlights Strategic Growth Initiatives
UWMC
Earnings
New Projects/Investments
M&A
- UWM Holdings Corporation reported strong financial results for Q4 2025, with $49.6 billion in originations and $164.5 million in net income, and for Full Year 2025, achieving $163.4 billion in originations and $244 million in net income.
- The company maintained its market leadership, marking its fourth consecutive year as the number one overall lender and 11th consecutive year as the number one wholesale lender in America.
- Strategic initiatives, including the ongoing process of bringing servicing in-house, the partnership with Bilt, and the pending Two Harbors acquisition, are on track to enhance market dominance, drive lead generation, and improve consumer retention.
- UWM Holdings ended Q4 2025 with a strong financial position, reporting total equity of $1.6 billion and total available liquidity of $1.8 billion.
2 days ago
UWM Holdings Reports Strong Q4 and Full Year 2025 Results
UWMC
Earnings
M&A
New Projects/Investments
- UWM Holdings Corporation reported full year 2025 originations of $163.4 billion, a 17% increase from 2024, with net income of $244 million and adjusted EBITDA over $697 million. Total revenue for the year was $3.2 billion, up from $2.7 billion in 2024.
- For the fourth quarter of 2025, the company delivered $49.6 billion in originations, a 28% year-over-year increase, with a gain margin of 122 basis points. Net income was $164.5 million and adjusted EBITDA was $232.8 million. Total revenue for Q4 was $945 million.
- The company maintained its MSR portfolio with a UPB of approximately $241 billion and a fair value of $4.1 billion. Strategic initiatives, including bringing servicing in-house, the Bilt partnership, and the pending Two Harbors acquisition, are on track to expand market dominance and enhance lead generation and retention. At the end of Q4 2025, total equity stood at $1.6 billion and total available liquidity at $1.8 billion.
2 days ago
UWM Holdings Reports Strong Q4 and Full Year 2025 Results
UWMC
Earnings
New Projects/Investments
M&A
- UWM Holdings reported full-year 2025 originations of $163.4 billion, a 17% increase from 2024, with net income of $244 million and adjusted EBITDA over $697 million.
- For Q4 2025, the company delivered $49.6 billion in originations, a 28% year-over-year increase, alongside net income of $164.5 million and adjusted EBITDA of $232.8 million.
- The company maintained a strong financial position with total equity of $1.6 billion and total available liquidity of $1.8 billion at the end of Q4 2025.
- Strategic initiatives, including bringing servicing in-house and the pending Two Harbors acquisition, are expected to accelerate broker channel growth and enhance consumer retention.
2 days ago
UWM Holdings Announces Two Harbors Acquisition and Q4 2025 Performance
UWMC
M&A
Earnings
New Projects/Investments
- UWM Holdings announced the acquisition of Two Harbors, which is expected to close in mid-2Q 2026 and is projected to be accretive to earnings and book value, creating $1Bn+ in pro forma recurring servicing revenues.
- UWM maintained its position as the #1 wholesale lender for 11 consecutive years (since 2015) and the #1 overall mortgage lender for four years (since 2022).
- In 3Q25, UWM's wholesale market share was 42.5%, exceeding the combined top 24 wholesale mortgage lenders.
- The company projects 2026E purchase volume of $103.7 billion and refinance volume of $107.1 billion.
- UWM's AI-powered Mia made over 968,000 calls in 2025, resulting in over 25,000 closed loans.
2 days ago
UWM Holdings Corporation Announces Fourth Quarter & Full Year 2025 Results
UWMC
Earnings
Guidance Update
Dividends
- UWM Holdings Corporation reported total revenue of $945.2 million, net income of $164.5 million, and adjusted EBITDA of $232.8 million for the fourth quarter ended December 31, 2025.
- For the full year 2025, the company achieved total revenue of $3.2 billion, net income of $244.0 million, and adjusted EBITDA of $697.3 million.
- Total loan origination volume in Q4 2025 was $49.6 billion, which was the largest quarterly originations since 2021, comprising $18.9 billion in purchase originations and $30.7 billion in refinance originations.
- The company anticipates total revenue for the first quarter of 2026 to be between $650 million and $850 million.
- The Board of Directors declared a cash dividend of $0.10 per share on the outstanding shares of Class A common stock, payable on April 9, 2026, to stockholders of record on March 19, 2026.
2 days ago
UWM Holdings Corporation Announces Fourth Quarter & Full Year 2025 Results
UWMC
Earnings
M&A
Guidance Update
- UWM Holdings Corporation reported Q4 2025 total revenue of $945.2 million and net income of $164.5 million, with loan origination volume of $49.6 billion, marking its largest quarterly originations since 2021.
- For the full year 2025, the company achieved total revenue of $3.2 billion and net income of $244.0 million, with total loan origination volume of $163.4 billion.
- The company announced a definitive merger agreement to acquire Two Harbors Investment Corp. (TWO) in an all-stock transaction.
- UWMC anticipates total revenue for the first quarter of 2026 to be between $650 million and $850 million.
- A cash dividend of $0.10 per share was declared for the 21st consecutive quarter, payable on April 9, 2026.
2 days ago
UWM Holdings Announces Acquisition of Two Harbors Investment Corp.
UWMC
M&A
Earnings
Dividends
- UWM Holdings Corporation (UWMC) announced a definitive merger agreement to acquire Two Harbors Investment Corp. (TWO) in an all-stock transaction, which is expected to close in the second quarter of 2026.
- TWO stockholders will receive a fixed exchange ratio of 2.3328 shares of UWMC Class A Common Stock for each share of TWO common stock, representing an $11.94 per share value based on UWMC’s closing price as of December 16, 2025.
- The acquisition is anticipated to double the size of the MSR portfolio to a pro-forma $400 billion for the combined company.
- For the fourth quarter ended December 31, 2025, TWO reported comprehensive income of $50.4 million, or $0.48 per weighted average basic common share, and a book value of $11.13 per common share.
Feb 2, 2026, 9:15 PM
TWO Announces Q4 2025 Dividends Amidst Pending Acquisition by UWM Holdings
UWMC
Dividends
M&A
- TWO declared a common stock dividend of $0.34 per share for the fourth quarter of 2025, payable on January 29, 2026.
- Preferred stock dividends for Q4 2025 were also announced, including $0.50781 for Series A, $0.47656 for Series B, and $0.58343 for Series C, all payable on January 27, 2026.
- These dividends are declared as UWM Holdings Corporation (UWM) is expected to acquire TWO in an all-stock transaction, with the closing anticipated in the second quarter of 2026.
- Prior to the merger's closing, TWO intends to pay regular quarterly dividends consistent with past practice, but will not pay a partial dividend for the quarter in which the closing occurs if it is not at quarter-end.
Dec 18, 2025, 9:15 PM
UWMC Announces Acquisition of Two Harbors Investment Corp.
UWMC
M&A
New Projects/Investments
- UWM Holdings Corporation (UWMC) announced a definitive merger agreement to acquire Two Harbors Investment Corp. (TWO) in an all-stock transaction valued at $1.3 billion.
- TWO stockholders will receive a fixed exchange ratio of 2.3328 shares of UWMC Class A Common Stock for each share of TWO common stock, representing an $11.94 per share value and a 21% premium to TWO's 30-day volume weighted average price as of December 16, 2025.
- The acquisition is expected to nearly double UWMC's mortgage servicing rights (MSR) portfolio to approximately $400 billion and generate approximately $150 million in annual cost and revenue synergies.
- The transaction is anticipated to close in the second quarter of 2026, subject to stockholder and regulatory approvals.
- Upon completion, UWMC shareholders will own approximately 87% and TWO shareholders approximately 13% of the combined company.
Dec 17, 2025, 9:40 PM
Quarterly earnings call transcripts for UWM Holdings.
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