United Wholesale Mortgage (UWM) closed $163.4 billion in mortgages in 2025, up 17% from 2024, as lower rates fueled a refinancing rebound. The company also invested heavily to strengthen its servicing platform, including its pending acquisition of Two Harbors and a strategic investment in Bilt.

Despite higher volume, net income declined to $244 million in 2025, down from $329.4 million a year earlier, according to filings from the Securities and Exchange Commission (SEC) released Wednesday.

After a period focused on record-setting production, UWM executives are now shifting attention toward execution by emphasizing pricing discipline, broker loyalty and competitive positioning, details ⇒

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