---
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"
generated_at: "2026-05-16T23:54:30.678103+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# UWM Q3 originations $41.7B (largest since 2021), net income $12.1M, declares $0.10 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001783398-25-000045
- JSON: https://secwatch.observer/filing/0001783398-25-000045.json
- Plain text: https://secwatch.observer/filing/0001783398-25-000045.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.