{"schema_version":"secwatch.filing_event.v1","accession":"0001783398-25-000022","form_type":"8-K","ticker":"UWMC","cik":"0001783398","company_name":"UWM Holdings Corp","filed_at":"2025-05-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:49.702354+00:00","generated_at":"2026-05-22T13:17:40.263198+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 Holdings posts Q1 net loss of $247M; originations up 17% YoY to $32.4B","bullets":["Net loss of $247M ($0.12 diluted EPS loss) vs net income of $180.5M in Q1 2024; revenue of $613.4M up 5% YoY.","Loan origination volume $32.4B (highest Q1 since 2022), up 17% YoY; purchase flat at $21.7B, refi surged to $10.6B from $5.5B.","Total gain margin 94 bps vs 108 bps in Q1 2024; adjusted EBITDA $57.8M vs $101.5M.","Board declared $0.10/share dividend payable July 10, 2025, record June 18, 2025; unchanged from prior quarter.","Q2 2025 outlook: production $38-45B, gain margin 90-115 bps; management cites ability to scale with rate changes."],"urls":{"canonical":"https://secwatch.observer/filing/0001783398-25-000022","json":"https://secwatch.observer/filing/0001783398-25-000022.json","markdown":"https://secwatch.observer/filing/0001783398-25-000022.md","text":"https://secwatch.observer/filing/0001783398-25-000022.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1783398/000178339825000022/0001783398-25-000022-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1783398/000178339825000022/xbrl-20250506.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-22T13:17:40.263198+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"}