{"schema_version":"secwatch.filing_event.v1","accession":"0001783398-24-000041","form_type":"8-K","ticker":"UWMC","cik":"0001783398","company_name":"UWM Holdings Corp","filed_at":"2024-11-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:09.607348+00:00","generated_at":"2026-05-30T03:43:08.628327+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"UWM Q3 net income $31.9M (down 89% YoY); originations $39.5B; declares $0.10 dividend","bullets":["Q3 net income $31.9M vs $301M in Q3 2023; diluted EPS -$0.06 (adjusted EPS $0.01).","Loan origination volume $39.5B (up 33% YoY), including $26.2B purchase; total gain margin 118 bps.","Adjusted EBITDA $107.2M vs $112.1M in Q3 2023.","Q4 guidance: originations $34-41B, gain margin 85-110 bps.","Board declares $0.10 dividend payable Jan 9, 2025; approves $144M distribution to SFS Corp."],"urls":{"canonical":"https://secwatch.observer/filing/0001783398-24-000041","json":"https://secwatch.observer/filing/0001783398-24-000041.json","markdown":"https://secwatch.observer/filing/0001783398-24-000041.md","text":"https://secwatch.observer/filing/0001783398-24-000041.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1783398/000178339824000041/0001783398-24-000041-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1783398/000178339824000041/xbrl-20241107.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T03:43:08.628327+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}