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  <xs:element id="uwmc_LineOfCreditDueAugust272026Member" abstract="true" name="LineOfCreditDueAugust272026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uwmc_LineOfCreditDueSeptember292026Member" abstract="true" name="LineOfCreditDueSeptember292026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uwmc_LineOfCreditDueOctober82026Member" abstract="true" name="LineOfCreditDueOctober82026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uwmc_LineOfCreditDueDecember172026Member" abstract="true" name="LineOfCreditDueDecember172026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uwmc_LineOfCreditDueFebruary52027Member" abstract="true" name="LineOfCreditDueFebruary52027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uwmc_LineOfCreditDueFebruary92027Member" abstract="true" name="LineOfCreditDueFebruary92027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uwmc_LineOfCreditDueFebruary172027Member" abstract="true" name="LineOfCreditDueFebruary172027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uwmc_LineOfCreditDueFebruary192027Member" abstract="true" name="LineOfCreditDueFebruary192027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uwmc_LineOfCreditDueNovember262027Member" abstract="true" name="LineOfCreditDueNovember262027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uwmc_LineOfCreditWithEarlyFundingASAPMember" abstract="true" name="LineOfCreditWithEarlyFundingASAPMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uwmc_LineOfCreditWithEarlyFundingEFMember" abstract="true" name="LineOfCreditWithEarlyFundingEFMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uwmc_MSRFacilityMember" abstract="true" name="MSRFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="uwmc_SeniorUnsecuredNotesDueJune152027Member" abstract="true" name="SeniorUnsecuredNotesDueJune152027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="uwmc_SeniorUnsecuredNotesDueFebruary12030Member" abstract="true" name="SeniorUnsecuredNotesDueFebruary12030Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="uwmc_SFSCorpMember" abstract="true" name="SFSCorpMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="uwmc_PaymentsForRepurchaseOfLoans" abstract="false" name="PaymentsForRepurchaseOfLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="uwmc_CommitmentsToExtendCreditToPotentialBorrowers" abstract="false" name="CommitmentsToExtendCreditToPotentialBorrowers" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="uwmc_RepresentationAndWarrantyReserveRollForward" abstract="true" name="RepresentationAndWarrantyReserveRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="uwmc_RepresentationAndWarrantyReserve" abstract="false" name="RepresentationAndWarrantyReserve" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="uwmc_RepresentationAndWarrantyReserveChargedToOperations" abstract="false" name="RepresentationAndWarrantyReserveChargedToOperations" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="uwmc_InvestorPayable" abstract="false" name="InvestorPayable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="uwmc_HoldingsLLCMember" abstract="true" name="HoldingsLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="uwmc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNetVestedInPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNetVestedInPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
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  <xs:element id="uwmc_BankingRegulationMortgageBankingLiquidityMinimum" abstract="false" name="BankingRegulationMortgageBankingLiquidityMinimum" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="uwmc_NamingRightsAndSponsorshipAgreementMember" abstract="true" name="NamingRightsAndSponsorshipAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="uwmc_OtherCommitmentsPeriod" abstract="false" name="OtherCommitmentsPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="uwmc_OtherCommitmentTerminationPeriod" abstract="false" name="OtherCommitmentTerminationPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="uwmc_PaymentsForAircraftRentalFees" abstract="false" name="PaymentsForAircraftRentalFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="uwmc_TaxReceivableAgreementAssetIncreaseDecreaseDuringPeriod" abstract="false" name="TaxReceivableAgreementAssetIncreaseDecreaseDuringPeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="uwmc_TaxReceivableAgreementAssetIncreaseDecreaseDuringPeriodTemporaryDifferences" abstract="false" name="TaxReceivableAgreementAssetIncreaseDecreaseDuringPeriodTemporaryDifferences" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="uwmc_TaxReceivableAgreementLiabilityIncreaseDecreaseDuringPeriod" abstract="false" name="TaxReceivableAgreementLiabilityIncreaseDecreaseDuringPeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="uwmc_MatIshbiaMember" abstract="true" name="MatIshbiaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
