{"schema_version":"secwatch.filing_event.v1","accession":"0001783398-25-000045","form_type":"8-K","ticker":"UWMC","cik":"0001783398","company_name":"UWM Holdings Corp","filed_at":"2025-11-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.441727+00:00","generated_at":"2026-05-16T23:54:30.678103+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"UWM Q3 originations $41.7B (largest since 2021), net income $12.1M, declares $0.10 dividend","bullets":["Q3 loan origination volume $41.7B vs $39.7B in Q2 and $39.5B in Q3 2024; largest quarterly originations since 2021.","Total revenue $843.3M, net income $12.1M ($0.01 diluted EPS loss), adjusted EBITDA $211.1M.","Refinance originations surged to $16.5B from $12.4B in Q2; total gain margin 130 bps vs 113 bps in Q2.","Q4 2025 guidance: originations $43-50B, gain margin 105-130 bps.","Board declared Q4 cash dividend of $0.10/share, payable Jan 8, 2026 to holders of record Dec 18, 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001783398-25-000045","json":"https://secwatch.observer/filing/0001783398-25-000045.json","markdown":"https://secwatch.observer/filing/0001783398-25-000045.md","text":"https://secwatch.observer/filing/0001783398-25-000045.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1783398/000178339825000045/0001783398-25-000045-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1783398/000178339825000045/xbrl-20251106.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T23:54:30.678103+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"}