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UWM (UWMC) investor relations material
UWM Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Achieved $41.7 billion in loan production for Q3 2025, the highest since 2021, up 5.6% year-over-year, with both purchase and refi volumes rising and a record lock day in September.
Net income for Q3 2025 was $12.1 million, down from $31.9 million in Q3 2024, while adjusted EBITDA rose to $211.1 million from $107.2 million.
Continued investment in technology, including the Mia AI assistant, which generated over 14,000 closed loans, and strategic partnerships to enhance servicing and broker experience.
Bringing servicing in-house remains on track for January 2026, expected to improve financials and broker loyalty.
Declared a $0.10 per share dividend for the twentieth consecutive quarter.
Financial highlights
Q3 2025 revenue was $843.3 million, up from $745.6 million in Q3 2024; loan production income was $542.1 million, and loan servicing income was $169.0 million.
Gain margin improved to 130 basis points, above guidance and prior quarters.
MSR portfolio generated $135.1 million in net servicing income, with UPB at $216.0 billion.
Ended Q3 2025 with $3.0 billion in available liquidity, including $870.7 million in cash.
Net income attributable to shareholders was $(1.3) million; adjusted diluted EPS was $0.01.
Outlook and guidance
Q4 2025 production guidance raised to $43–$50 billion, with gain margin expected at 105–130 basis points.
Management expects to maintain or exceed guidance, with upside if another rate dip occurs.
All new loans in 2026 to be serviced in-house, with full transition by end of 2026.
Sufficient liquidity expected to fund operations and originations for the next twelve months.
Proceeds from 2031 Senior Notes to cover 2025 Senior Notes maturity.
MSR fair value impact on Q3 net income?
Drivers of rising non-funding debt to equity ratio?
Mia's 14k loans: Q3 origination volume impact?
Mia's conversion rate improvement potential
Bilt partnership's broker loyalty impact
Fixed cost outlook with volume growth
How many loans closed due to Mia's calls?
What is the expected lead volume from BOLT partnership?
Fixed cost impact of doubling loan volume?
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Frequently asked questions
UWM Holdings Corporation engages in the residential mortgage lending business in the United States. UWM Holdings Corporation originates mortgage loans through wholesale channel. It originates primarily conforming and government loans. UWM Holdings Corporation was incorporated in 1986 and is headquartered in Pontiac, Michigan. The company has loan production offices across ten states: Arizona, California, Colorado, Georgia, Illinois, Indiana, Iowa, Michigan, Minnesota, Ohio and Wisconsin.
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