{"schema_version":"secwatch.filing_event.v1","accession":"0001783398-25-000004","form_type":"8-K","ticker":"UWMC","cik":"0001783398","company_name":"UWM Holdings Corp","filed_at":"2025-02-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.840567+00:00","generated_at":"2026-05-26T03:46:38.341285+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"UWM Q4 net income $40.6M, full year $329.4M; declares $0.10 dividend","bullets":["Q4 net income $40.6M ($0.02 diluted EPS) vs net loss $461.0M in Q4 2023. FY net income $329.4M vs loss $69.8M.","Loan origination volume Q4 $38.7B, total gain margin 105 bps; FY volume $139.4B, margin 110 bps.","Board declared $0.10/share dividend, payable April 10, 2025 to holders of record March 20, 2025 (17th consecutive quarterly).","Q1 2025 guidance: origination volume $28-35B, gain margin 90-115 bps.","Purchase originations record $96.1B in 2024; refinance volume tripled to $43.4B."],"urls":{"canonical":"https://secwatch.observer/filing/0001783398-25-000004","json":"https://secwatch.observer/filing/0001783398-25-000004.json","markdown":"https://secwatch.observer/filing/0001783398-25-000004.md","text":"https://secwatch.observer/filing/0001783398-25-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1783398/000178339825000004/0001783398-25-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1783398/000178339825000004/xbrl-20250226.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-26T03:46:38.341285+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"}