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UWMC Announces Strategic Acquisition of TWO

UWM Holdings Corporation (UWMC) | December 17, 2025

By Wendy Roberts

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UWM Holdings Corporation announces the strategic acquisition of Two Harbors Investment Corp.

The acquisition aims to expand UWM's servicing portfolio and capabilities, enhancing profitability and resilience.

This all-stock transaction is valued at $1.3 billion and is expected to unlock substantial opportunities for increased profitability and cash flow.

Transaction Details

UWMC will acquire TWO in an all-stock transaction for $1.3 billion in equity value based on a fixed exchange ratio of 2.3328x.

Strategic Advantages

The acquisition will provide UWM with expanded servicing expertise and scale, a high-quality MSR portfolio, and approximately $150 million of annual cost and revenue synergies.

Financial Impact

The combined company is expected to service over $400 billion in MSR, ranking number 8 among servicers nationwide, and UWM shareholders will own approximately 87% of the combined company.

  • The acquisition strengthens UWM's long-term vision, creating opportunities for increased profitability and cash flow.
  • It aligns two highly-complementary organizations, positioning the combined company for accelerated growth and enhanced outcomes for stakeholders.
  • The transaction is expected to drive meaningful earnings accretion through cost and revenue synergies and leveraged capital markets expertise.

The acquisition of TWO by UWM Holdings Corporation marks a significant strategic move that is set to reshape the mortgage industry landscape, driving growth and value for stakeholders.