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UWM Holdings Corp EVP and CFO Rami Hasani reported equity award activity involving Restricted Stock Units (RSUs) and Class A Common Stock. On February 27, 2026, 4,671 RSUs vested and were settled into an equal number of Class A shares at a transaction price of 4.4100 per share. The company then withheld 1,360 of those shares to cover minimum tax obligations under the award agreement, which is not treated as a sale by the insider. Following these transactions, Hasani directly held 12,426 Class A shares and multiple RSU awards that vest between 2026 and 2032 under the 2020 Omnibus Incentive Plan.
UWM Holdings Corporation is a wholesale-focused residential mortgage lender that operates exclusively through Independent Mortgage Brokers rather than directly with borrowers. It emphasizes purchase loans, agency-eligible production and high-speed, tech-enabled underwriting across all 50 states and the District of Columbia.
The company highlights its position as a leading wholesale lender with strong broker relationships, supported by proprietary platforms like EASE, BOLT, TRAC+, DocHub and multiple AI-driven tools that speed approvals, automate document review and help brokers optimize loan structures. UWM retains most mortgage servicing rights, using their cash flows and value as a natural hedge to origination cycles, and plans to transition servicing in-house by the end of 2026.
Management discloses significant risks tied to macroeconomic and housing conditions, interest-rate-driven volatility in originations and MSR values, reliance on short-term warehouse facilities, and dependence on GSEs and government programs. It also flags regulatory complexity, cybersecurity threats, competition from banks and retail lenders, and execution risks around a pending merger with Two Harbors and the build-out of in-house servicing.
UWM Holdings Corporation reported strong fourth quarter and full-year 2025 results, highlighted by higher loan originations and improved profitability late in the year. Q4 2025 loan originations reached $49.6 billion, with total revenue of $945.2 million and net income of $164.5 million, a sharp rebound from earlier quarters.
For full-year 2025, originations were $163.4 billion, total revenue was $3.2 billion and net income was $244.0 million, while adjusted EBITDA rose to $697.3 million. The company ended the year with total assets of $16.9 billion, total equity of $1.6 billion and approximately $1.8 billion of available liquidity.
Strategically, UWM announced an all-stock merger agreement to acquire Two Harbors Investment Corp., continued rolling out its BILT rewards collaboration, launched an AI-powered income calculator and secured a Mortgage Matchup arena naming rights partnership. The board declared a $0.10 per share cash dividend on Class A common stock, payable on April 9, 2026 to holders of record on March 19, 2026, and guided Q1 2026 total revenue to between $650 million and $850 million.
UWM Holdings Corp insider activity shows a series of open-market sales of Class A Common Stock by SFS Corp, a 10% holder associated with CEO Mat Ishbia. SFS Corp sold 632,874 shares on each of February 19, 2026, February 20, 2026 and February 23, 2026, totaling 1,898,622 shares, at weighted average prices of $4.77, $4.64 and $4.52 per share, pursuant to a Rule 10b5-1 plan adopted on September 16, 2025. After these transactions, SFS Corp’s indirect holdings reported for Mat Ishbia were 4,596,407 Class A shares. Separately, Mat Ishbia directly holds 279,989 Class A shares and 180,737 restricted stock units that convert one-for-one into Class A shares and are scheduled to vest on March 1, 2026.
UWM Holdings Corp reported a series of insider transactions involving SFS Holding Corp, a 10% shareholder associated with CEO Mat Ishbia. SFS Holding Corp converted 6,600,000 UWM Paired Interests into the same number of Class A Common Stock shares at a conversion price of $0.00 per share, reflecting an internal exchange of securities rather than a cash purchase. Following this conversion, SFS Holding Corp executed three open-market sales of 632,874 Class A shares each on February 13, 17 and 18, 2026, at weighted average prices ranging from $4.75 to $5.07 per share under a pre-established Rule 10b5-1 trading plan.
After these indirect transactions, SFS Holding Corp held 6,495,029 Class A shares, while Mat Ishbia directly held 279,989 Class A shares and 180,737 Restricted Stock Units that convert to Class A on a one-for-one basis and vest on March 1, 2026.
UWM Holdings Corp insider filing shows that SFS Corp, a 10% owner controlled by CEO Mat Ishbia, executed three open-market sales of 632,874 Class A shares each on February 10, 11, and 12, 2026 under a Rule 10b5-1 trading plan adopted on March 17, 2025, at weighted average prices of $4.83, $4.66, and $4.73 per share. Following these indirect sales, SFS Corp’s holdings reported for Ishbia total 1,793,651 Class A shares. Separately, Ishbia directly holds 279,989 Class A shares and 180,737 restricted stock units that convert one-for-one into Class A stock and are scheduled to vest on March 1, 2026 under the 2020 Omnibus Incentive Plan.
Holdings Corp reported insider share sales linked to CEO Mat Ishbia through SFS Corp, a 10% owner. SFS Corp sold 632,874 Class A shares on each of February 5, 6, and 9, 2026 at weighted average prices of $5.10, $4.84, and $4.61, respectively, under a Rule 10b5-1 trading plan adopted on March 17, 2025. After these transactions, SFS Corp held 3,692,273 Class A shares indirectly for Ishbia, while he also directly held 279,989 shares. Ishbia additionally held 180,737 restricted stock units that convert one-for-one into Class A shares and are scheduled to vest on March 1, 2026 under the 2020 Omnibus Incentive Plan.
UWM Holdings Corp director and EVP, Chief People Officer Laura Lawson reported an equity award of 18,129 restricted stock units (RSUs) on February 5, 2026. The RSUs were granted at $0 and each unit converts into one share of Class A common stock.
These 18,129 RSUs are scheduled to vest on March 1, 2027 under the company’s 2020 Omnibus Incentive Plan. Lawson also directly holds previously granted RSUs covering 548,848, 10,675, and 175,439 shares, plus 51,879 shares of Class A common stock.
Holdings Corp executive Melinda Wilner, who serves as EVP and COO as well as a director, reported an equity compensation award on a Form 4. On February 5, 2026, she received 29,611 restricted stock units (RSUs) with a price of $0 per unit. These RSUs convert into Class A common stock on a one-for-one basis and are scheduled to vest on March 1, 2027 under the company’s 2020 Omnibus Incentive Plan. The filing also lists multiple previously granted RSU awards with future vesting dates and shows that she holds Class A common stock directly, while 1,000 Class A shares are held in a separate account of her spouse, in which she disclaims pecuniary interest.
UWM Holdings Corp director and executive Alex Elezaj reported an equity grant in a Form 4. On February 5, 2026, he received 27,194 restricted stock units (RSUs) at $0 per unit, which will vest on March 1, 2027 under the 2020 Omnibus Incentive Plan.
The RSUs convert into Class A Common Stock on a one-for-one basis, meaning each unit becomes one share upon settlement. Following the reported transactions, Elezaj holds 302,597 Class A shares directly, plus several RSU awards totaling more than two million units with various vesting dates through 2031.