UWM Holdings Corporation (UWMC)
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UWM Holdings Pays You To Wait For A Recovery In The Housing Market
UWM Holdings Corporation is the top US mortgage lender, yet its stock has underperformed, declining 14% over the past year. I see 2026 as a potential inflection point for UWMC, with normalization in the housing market and lower rates supporting volume growth. UWMC faces material risks: a sub-investment grade BB- debt rating, heavy reliance on short-term funding, and concentrated ownership.
UWM Holdings Corporation (UWMC) Q3 2025 Earnings Call Transcript
UWM Holdings Corporation ( UWMC ) Q3 2025 Earnings Call November 6, 2025 10:00 AM EST Company Participants Blake Kolo - Chief Business Officer & Head of Investor Relations Mathew Ishbia - Chairman, President & CEO Rami Hasani - Executive VP & CFO Conference Call Participants Terry Ma - Barclays Bank PLC, Research Division Eric Hagen - BTIG, LLC, Research Division Bose George - Keefe, Bruyette, & Woods, Inc., Research Division Douglas Harter - UBS Investment Bank, Research Division Jeffrey Adelson - Morgan Stanley, Research Division Mikhail Goberman - Citizens JMP Securities, LLC, Research Division Presentation Operator Good morning. My name is Aaron, and I'll be your conference operator for today.
UWM Holdings Corporation (UWMC) Q3 Earnings Lag Estimates
UWM Holdings Corporation (UWMC) came out with quarterly earnings of $0.01 per share, missing the Zacks Consensus Estimate of $0.07 per share. This compares to earnings of $0.01 per share a year ago.
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UWM Holdings Corporation Profile
| - Industry | - Sector | Mathew R. Ishbia CEO | NYSE Exchange | 91823B109 CUSIP |
| US Country | 9,100 Employees | 18 Dec 2025 Last Dividend | - Last Split | 24 Mar 2020 IPO Date |
Overview
UWM Holdings Corporation is a key player in the United States residential mortgage lending industry. Established in 1986 and based in Pontiac, Michigan, the company has carved a niche in the mortgage lending sector. UWM Holdings Corporation specializes in originating mortgage loans predominantly through its wholesale channel, focusing on serving its nationwide network of partners and clients by providing mortgage solutions that cater to a variety of borrowers' needs. The corporation's enduring commitment to the wholesale mortgage lending market has positioned it as a significant entity in the provision of residential mortgages across the country.
Products and Services
- Conforming Loans
Conforming loans are a major product offering by UWM Holdings Corporation, adhering to the underwriting guidelines of Fannie Mae and Freddie Mac. These loans are characterized by their compliance with size limits and other criteria set by these government-sponsored enterprises. Conforming loans are popular among a broad segment of homeowners due to their favorable terms and conditions, including competitive interest rates.
- Government Loans
Government loans form another critical component of UWM Holdings Corporation’s portfolio, including FHA, VA, and USDA loans. These products are designed for individuals and families that meet specific eligibility criteria set by federal agencies. FHA loans are geared towards low-to-moderate income borrowers and offer low down payments. VA loans are reserved for veterans, active-duty service members, and certain members of the National Guard and Reserves, offering benefits such as no down payment. USDA loans are aimed at rural home buyers and offer 100% financing to those who qualify. UWM's involvement in these government-based loan programs underscores its commitment to providing a diverse range of mortgage solutions to meet the varying needs of the American populace.
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