UWM Holdings Corporation (UWMC)

Wholesale mortgage lender, technology staff counted. Read October 19, 2026 from the annual report for the period ending December 31, 2025, filed February 25, 2026. Ranked 68 of the 101 Financial Services companies read so far, by the share within reach now.

A wholesale mortgage lender whose filing counts 9,100 team members at one campus with 2,200 in technology, so the technology organization is read apart and the rest at nondepository lending.

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 37% now, 57% at the end of 2027, 67% at the end of 2028, 70% at the end of 2030. By the patterns, the work is about 70% desk work, 26% people work and 4% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 30% of the working time stays with people (conversation, in-person and hands-on work), 59% becomes checking a model's work and 7% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

9,100 employees as of December 31, 2025 (stated). Stated in words: substantially all team members are based at the corporate campus in Pontiac, Michigan.

The filing: “As of December 31, 2025, we had approximately 9,100 team members, substantially all of whom are based in our corporate campus in Pontiac, Michigan.”

The workforce as industry patterns

What the filing says about the workforce: Approximately 9,100 team members as of December 31, 2025, substantially all at the Pontiac, Michigan campus; approximately 2,200 dedicated to technology and information systems, up from about 1,800 a year earlier.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Nondepository Credit Intermediation, largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five.

• American Express Company (AXP, 76,800 employees)41% now, 66% by 2028
• Rocket Companies, Inc. (RKT, 23,500 employees)37% now, 61% by 2028
• FirstCash Holdings, Inc (FCFS, 22,000 employees)39% now, 66% by 2028
• Synchrony Financial (SYF, 20,000 employees)41% now, 66% by 2028
• OneMain Holdings, Inc. (OMF, 9,300 employees)41% now, 66% by 2028
• EZCORP, Inc. (EZPW, 8,500 employees)41% now, 66% by 2028
• Rithm Capital Corp. (RITM, 7,240 employees)38% now, 64% by 2028
• Bread Financial Holdings, Inc. (BFH, 6,000 employees)41% now, 66% by 2028

What the filing says about AI

26 sentences in the filing name AI. The filing says it invests in emerging technologies including AI to automate and optimize operations, names Mia, a voice-enabled AI assistant that makes and answers borrower calls, and says BOLT's AI and data extraction capabilities reduce manual document review while underwriters remain responsible for the decision.

• “Some of the more significant challenges and risks we face include the following: our dependence on macroeconomic and U.S. residential real estate market conditions, including changes in U.S. monetary policies that affect interest rates and inflation; our reliance on our warehouse and other short-term financing facilities to fund mortgage loans and otherwise operate our business, leveraging of a...”
• “Integral components of our strategy are (1) continuing our leadership position in the growing wholesale channel by investing in technology, including AI, and partnership tools designed to meet the needs of Independent Mortgage Brokers and their customers, (2) capitalizing on our strategic advantages which include a singular focus on the wholesale channel, that allows us to quickly adapt to mark...”
• “While underwriters remain responsible for the overall risk assessment of and underwriting decision for the loan, BOLT's AI and data extraction capabilities reduce much of the manual review of documentation and corresponding data entry redundancies.”
• “We continue to invest in emerging technologies, including AI, to further automate and optimize operations while enhancing the client experience.”
• “AI & Automation M ia (Most Intelligent Assistant) - A voice-enabled AI assistant that makes outbound calls for borrower outreach and refinance opportunities, and answers inbound borrower calls via a dedicated loan officer number to handle mortgage questions, provide guideline clarity, and deliver real-time updates.”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 20210median 0
• Fiscal 20220median 0
• Fiscal 20231median 1
• Fiscal 202420median 4
• Fiscal 202526median 10

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• The U.S. share is recorded as 1 from the filing's words, substantially all in Pontiac, Michigan.
• The human capital excerpt is the text around the headcount, not a section; the counts are the filing's own.

Source: the company's annual report on EDGAR, accession 0001783398-26-000013, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.