UWM Holdings Corporation
UWM Holdings Corporation is classed by the SEC under Mortgage Bankers & Loan Correspondents (industry code 6162), based in Pontiac, MI. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $3.2 billion and a profit of $27 million (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6162, Mortgage Bankers & Loan Correspondents); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 4.6 out of ten, 9 of 9 metrics filed: past 3.9 out of ten, present 5.5 out of ten, future 4.3 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 1.8 out of ten. 4 warning events since 2019; the latest 2025-12-29. 18th percentile among 20 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 3.8 out of ten. +16.3% a year over 7 filed years; profitable in 6 of 7. 38th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 7.0 out of ten. Share count shrank 0.1% a year. 31% of cash flow returned. Insiders: 146 sales, 0 purchases. 70th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 5.3 out of ten. ROE 15%: 15¢ of profit per shareholder dollar. Leverage 91%: owes 91¢ per asset dollar. 53rd percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 5.8 out of ten. top 42% of 19 in its family; net margin 7.7%. 58th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 5.6 out of ten. top 44% of 14 in its family for leadership; chief executive since 2021. 56th percentile among 14 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 3.4 out of ten. bottom 34% of 19 in its family for room to expand. 34th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 5.3 out of ten. top 47% of 19 in its family for growth drivers. 53rd percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 4.2 out of ten. bottom 42% of 17 in its family for expectations against reality. 42nd percentile among 17 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-25 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-07 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-06 for the period ended 2026-08-05 (on EDGAR). Newest filing: Form 8-K, 2026-10-05. Filings on record since 2019. Read from EDGAR 2026-10-12.
Who runs it
Mat, Ishbia (President and CEO); Hasani, Rami (EVP, Chief Financial Officer); Wilner, Melinda (EVP, COO); Lawson, Laura (EVP, Chief People Officer); Elezaj, Alex (EVP, Chief Strategy Officer); Wolfe, Adam A (EVP, CLO & Chief Admin Officer); Basso, Nicholas Daniel (director); Sfs, Holding Corp (director). 8 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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