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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 origination for Q3 2025, the highest since 2021, with both purchase and refinance volumes up year-over-year and a record day for rate locks 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 in Q3 2024.
Continued investment in technology and AI, with the Mia assistant making over 400,000 calls and contributing to over 14,000 loan closings.
Strategic initiatives included bringing servicing in-house by January 2026 and a partnership with BILT to enhance servicing and rewards.
Maintained largest U.S. residential mortgage lender position by closed loan volume, exclusively through the wholesale channel.
Financial highlights
Q3 2025 revenue was $843.3 million, up from $745.6 million in Q3 2024; gain-on-sale margin reached 130 basis points, exceeding prior quarters.
Net servicing income was $135.1 million, with a healthy MSR portfolio and UPB of $216.0 billion as of September 30, 2025.
Cash and cash equivalents at period end were $870.7 million, with available liquidity of $3.0 billion.
Q3 2025 net loss attributable to shareholders was $(1.3) million; adjusted diluted EPS was $0.01.
Loan production income for Q3 2025 was $542.1 million; loan servicing income was $169.0 million.
Outlook and guidance
Q4 2025 production guidance is $43–$50 billion, with gain margin expected between 105 and 130 basis points.
Declared a $0.10 per share dividend for the twentieth consecutive quarter, payable January 8, 2026.
Management expects sufficient liquidity to fund operations and loan originations for the next twelve months.
Bringing servicing in-house remains on track for Q1 2026, expected to positively impact financials and broker loyalty.
Proceeds from 2031 Senior Notes expected 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
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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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