UWMC

SEC source: 0002063861-26-000010 · wk-form4_1788379217.xml · derivative · entry 7

HASANI RAMI · CIK 0002063861 · EVP, Chief Financial Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 0

Underlying: Class A Common Stock · 2,500 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F3 · derivative.exercise_price: The RSUs convert to Class A Common Stock on a one-for-one basis.

F1 · derivative.exercise_date: On September 1, 2026, 2,500 of the Reporting Person's Restricted Stock Units ("RSUs") vested and were settled for an equal number of Class A Common Stock.

F1 · derivative.expiration_date: On September 1, 2026, 2,500 of the Reporting Person's Restricted Stock Units ("RSUs") vested and were settled for an equal number of Class A Common Stock.

SEC source: 0002063861-26-000010 · wk-form4_1788379217.xml · nonDerivative · entry 2

HASANI RAMI · CIK 0002063861 · EVP, Chief Financial Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 19,849

F2 · shares: This transaction is not a sale of shares by the Reporting Person. Instead this reflects shares mandatorily withheld by the Company in accordance with the award agreement to meet the Company's minimum withholding obligations pursuant to a transaction exempt under Rule 16b-3.

SEC source: 0002063861-26-000010 · wk-form4_1788379217.xml · nonDerivative · entry 1

HASANI RAMI · CIK 0002063861 · EVP, Chief Financial Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 20,577

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · shares: On September 1, 2026, 2,500 of the Reporting Person's Restricted Stock Units ("RSUs") vested and were settled for an equal number of Class A Common Stock.

SEC source: 0002063861-26-000008 · wk-form4_1788207042.xml · derivative · entry 7

HASANI RAMI · CIK 0002063861 · EVP, Chief Financial Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 23,913

Underlying: Class A Common Stock · 7,971 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F3 · derivative.exercise_price: The RSUs convert to Class A Common Stock on a one-for-one basis.

F7 · derivative.exercise_date: These RSUs vest in accordance with the following schedule: 7,971 vest on August 30, 2026 and 23,913 vest on August 30, 2028. These RSUs were granted pursuant to the 2020 Omnibus Incentive Plan.

F7 · derivative.expiration_date: These RSUs vest in accordance with the following schedule: 7,971 vest on August 30, 2026 and 23,913 vest on August 30, 2028. These RSUs were granted pursuant to the 2020 Omnibus Incentive Plan.

SEC source: 0002063861-26-000008 · wk-form4_1788207042.xml · nonDerivative · entry 2

HASANI RAMI · CIK 0002063861 · EVP, Chief Financial Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 18,077

F2 · shares: This transaction is not a sale of shares by the Reporting Person. Instead this reflects shares mandatorily withheld by the Company in accordance with the award agreement to meet the Company's minimum withholding obligations pursuant to a transaction exempt under Rule 16b-3.

SEC source: 0002063861-26-000008 · wk-form4_1788207042.xml · nonDerivative · entry 1

HASANI RAMI · CIK 0002063861 · EVP, Chief Financial Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 20,397

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · shares: On August 28, 2026, 7,971 of the Reporting Person's Restricted Stock Units ("RSUs") vested and were settled for an equal number of Class A Common Stock.

SEC source: 0001841794-26-000075 · wk-form4_1786140137.xml · derivative · entry 3

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 15,000,000

Underlying: Class A Common Stock · 15,000,000 shares

Expires 2036-08-05

F3 · price: Pursuant to a Securities Purchase Agreement dated as of August 5, 2026, by and among the Issuer, certain funds or investment vehicles advised, managed by, or otherwise affiliated with Oaktree Capital Management, L.P.,, Mat Ishbia, SFS Holding Corp. and SFS Group Capital, LLC ("SFS Capital"), SFS Capital purchased 150,000 shares of Series A-1 Preferred Stock of the Issuer with an issue price of $1,000 per share, together with Class A Warrants and Class B Warrants, each to purchase 15,000,000 shares of the Company's Class A Common Stock, for an aggregate purchase price of $1,500,000.

F2 · derivative.exercise_date: The Class A Warrants and the Class B Warrants are not exercisable until the Issuer obtains stockholder approval of the exercise of such Warrants pursuant to the rules of the New York Stock Exchange

F4 · ownership.nature: These securities are held directly by SFS Capital, and indirectly by Mat Ishbia. Mat Ishbia is the manager and beneficially owns 75% of the equity interests in SFS Capital. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Capital may be deemed to be a director by deputization.

SEC source: 0001841794-26-000075 · wk-form4_1786140137.xml · derivative · entry 2

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 15,000,000

Underlying: Class A Common Stock · 15,000,000 shares

Expires 2036-08-05

F3 · price: Pursuant to a Securities Purchase Agreement dated as of August 5, 2026, by and among the Issuer, certain funds or investment vehicles advised, managed by, or otherwise affiliated with Oaktree Capital Management, L.P.,, Mat Ishbia, SFS Holding Corp. and SFS Group Capital, LLC ("SFS Capital"), SFS Capital purchased 150,000 shares of Series A-1 Preferred Stock of the Issuer with an issue price of $1,000 per share, together with Class A Warrants and Class B Warrants, each to purchase 15,000,000 shares of the Company's Class A Common Stock, for an aggregate purchase price of $1,500,000.

F2 · derivative.exercise_date: The Class A Warrants and the Class B Warrants are not exercisable until the Issuer obtains stockholder approval of the exercise of such Warrants pursuant to the rules of the New York Stock Exchange

F4 · ownership.nature: These securities are held directly by SFS Capital, and indirectly by Mat Ishbia. Mat Ishbia is the manager and beneficially owns 75% of the equity interests in SFS Capital. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Capital may be deemed to be a director by deputization.

SEC source: 0001841901-26-000010 · wk-form4_1785891753.xml · nonDerivative · entry 2

Lawson Laura · CIK 0001841901 · Director · EVP, Chief People Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 61,353

F2 · shares: This transaction is not a sale of shares by the Reporting Person. Instead this reflects shares mandatorily withheld by the Company in accordance with the award agreement to meet the Company's minimum withholding obligations pursuant to a transaction exempt under Rule 16b-3.

SEC source: 0001841901-26-000010 · wk-form4_1785891753.xml · nonDerivative · entry 1

Lawson Laura · CIK 0001841901 · Director · EVP, Chief People Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 62,136

F1 · shares: Pursuant to the Issuer's Team Milestone Program, which is available to all employees under the 2020 Omnibus Incentive Plan, the reporting person was granted restricted stock units on July 31, 2026 (her 15-year anniversary). The shares were fully vested upon grant.

SEC source: 0001842397-26-000008 · wk-form4_1779394368.xml · derivative · entry 6

Elezaj Alex · CIK 0001842397 · Director · EVP, Chief Strategy Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 0

Underlying: Class A Common Stock · 1,608,794 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F3 · derivative.exercise_price: The RSUs convert to Class A Common Stock on a one-for-one basis.

F1 · derivative.exercise_date: On May 19, 2026, 1,608,794 of the Reporting Person's Restricted Stock Units ("RSUs") vested and were settled for an equal number of Class A Common Stock.

F1 · derivative.expiration_date: On May 19, 2026, 1,608,794 of the Reporting Person's Restricted Stock Units ("RSUs") vested and were settled for an equal number of Class A Common Stock.

SEC source: 0001842397-26-000008 · wk-form4_1779394368.xml · nonDerivative · entry 2

Elezaj Alex · CIK 0001842397 · Director · EVP, Chief Strategy Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 1,261,035

F2 · shares: This transaction is not a sale of shares by the Reporting Person. Instead this reflects shares mandatorily withheld by the Company in accordance with the award agreement to meet the Company's minimum withholding obligations pursuant to a transaction exempt under Rule 16b-3.

SEC source: 0001842397-26-000008 · wk-form4_1779394368.xml · nonDerivative · entry 1

Elezaj Alex · CIK 0001842397 · Director · EVP, Chief Strategy Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 1,922,771

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · shares: On May 19, 2026, 1,608,794 of the Reporting Person's Restricted Stock Units ("RSUs") vested and were settled for an equal number of Class A Common Stock.

SEC source: 0001841840-26-000009 · wk-form4_1779394382.xml · derivative · entry 7

Wilner Melinda · CIK 0001841840 · Director · EVP, COO

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 0

Underlying: Class A Common Stock · 1,608,794 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F4 · derivative.exercise_price: The RSUs convert to Class A Common Stock on a one-for-one basis.

F1 · derivative.exercise_date: On May 19, 2026, 1,608,794 of the Reporting Person's Restricted Stock Units ("RSUs") vested and were settled for an equal number of Class A Common Stock.

F1 · derivative.expiration_date: On May 19, 2026, 1,608,794 of the Reporting Person's Restricted Stock Units ("RSUs") vested and were settled for an equal number of Class A Common Stock.

SEC source: 0001841840-26-000009 · wk-form4_1779394382.xml · nonDerivative · entry 2

Wilner Melinda · CIK 0001841840 · Director · EVP, COO

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 1,017,935

F2 · shares: This transaction is not a sale of shares by the Reporting Person. Instead this reflects shares mandatorily withheld by the Company in accordance with the award agreement to meet the Company's minimum withholding obligations pursuant to a transaction exempt under Rule 16b-3.

SEC source: 0001841840-26-000009 · wk-form4_1779394382.xml · nonDerivative · entry 1

Wilner Melinda · CIK 0001841840 · Director · EVP, COO

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 1,679,994

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · shares: On May 19, 2026, 1,608,794 of the Reporting Person's Restricted Stock Units ("RSUs") vested and were settled for an equal number of Class A Common Stock.

SEC source: 0001841794-26-000073 · wk-form4_1778273368.xml · derivative · entry 5

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 1,261,862,603

Underlying: Class A Common Stock · 14,245 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each UWM Paired Interest consists of one share of non-economic voting Class D Common Stock of UWM Holdings Corporation (the "Issuer") ("Class D Stock") and one Class B common units of UWM Holdings, LLC ("UWM LLC") ("Class B Common Units"), a subsidiary of the Issuer. Each UWM Paired Interest is convertible for one share of Class A Common Stock of the Issuer (i) at any time at the option of the holder or (ii) automatically upon transfer to a third person. These shares of Class A Common Stock were acquired by SFS Holding Corp. ("SFS Corp") upon the conversion of an equal number of UWM Paired Interests.

F7 · derivative.expiration_date: The conversion rights related to the UWM Paired Interests do not expire.

F2 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000073 · wk-form4_1778273368.xml · nonDerivative · entry 3

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 0

F3 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F5 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.33 to $3.45 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F2 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000073 · wk-form4_1778273368.xml · nonDerivative · entry 2

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 1,003,333

F3 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.28 to $3.52 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F2 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000073 · wk-form4_1778273368.xml · nonDerivative · entry 1

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 2,006,666

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · price: Each UWM Paired Interest consists of one share of non-economic voting Class D Common Stock of UWM Holdings Corporation (the "Issuer") ("Class D Stock") and one Class B common units of UWM Holdings, LLC ("UWM LLC") ("Class B Common Units"), a subsidiary of the Issuer. Each UWM Paired Interest is convertible for one share of Class A Common Stock of the Issuer (i) at any time at the option of the holder or (ii) automatically upon transfer to a third person. These shares of Class A Common Stock were acquired by SFS Holding Corp. ("SFS Corp") upon the conversion of an equal number of UWM Paired Interests.

F2 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000071 · wk-form4_1778101503.xml · nonDerivative · entry 2

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 1,992,421

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.43 to $4.00 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000071 · wk-form4_1778101503.xml · nonDerivative · entry 1

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 2,995,754

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F2 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.39 to $3.55 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000069 · wk-form4_1777928247.xml · nonDerivative · entry 4

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 3,999,087

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F6 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.52 to $3.64 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F7 · ownership.nature: These securities are held directly by SFS Holding Corp. ("SFS Corp"), a 10% holder of the Issuer and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the, SFS Corp, may be deemed to be a director by deputization.

SEC source: 0001841794-26-000069 · wk-form4_1777928247.xml · derivative · entry 6

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 1,261,876,848

Underlying: Class A Common Stock · 3,605,772 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F4 · derivative.exercise_price: Each UWM Paired Interest consists of one share of non-economic voting Class D Common Stock of UWM Holdings Corporation (the "Issuer") ("Class D Stock") and one Class B common units of UWM Holdings, LLC ("UWM LLC") ("Class B Common Units"), a subsidiary of the Issuer. Each UWM Paired Interest is convertible for one share of Class A Common Stock of the Issuer (i) at any time at the option of the holder or (ii) automatically upon transfer to a third person. These shares of Class A Common Stock were acquired by SFS Holding Corp. ("SFS Corp") upon the conversion of an equal number of UWM Paired Interests.

F9 · derivative.expiration_date: The conversion rights related to the UWM Paired Interests do not expire.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000069 · wk-form4_1777928247.xml · nonDerivative · entry 3

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 5,002,420

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F5 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.50 to $3.69 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000069 · wk-form4_1777928247.xml · nonDerivative · entry 2

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 6,003,444

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F4 · price: Each UWM Paired Interest consists of one share of non-economic voting Class D Common Stock of UWM Holdings Corporation (the "Issuer") ("Class D Stock") and one Class B common units of UWM Holdings, LLC ("UWM LLC") ("Class B Common Units"), a subsidiary of the Issuer. Each UWM Paired Interest is convertible for one share of Class A Common Stock of the Issuer (i) at any time at the option of the holder or (ii) automatically upon transfer to a third person. These shares of Class A Common Stock were acquired by SFS Holding Corp. ("SFS Corp") upon the conversion of an equal number of UWM Paired Interests.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000069 · wk-form4_1777928247.xml · nonDerivative · entry 1

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 2,397,672

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F2 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.45 to $3.56 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000067 · wk-form4_1777496060.xml · nonDerivative · entry 2

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 3,331,733

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.44 to $3.66 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000067 · wk-form4_1777496060.xml · nonDerivative · entry 1

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 4,332,307

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F2 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.64 to $3.77 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000065 · wk-form4_1777334899.xml · nonDerivative · entry 3

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 5,318,951

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F5 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.74 to $3.83 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000065 · wk-form4_1777334899.xml · nonDerivative · entry 2

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 6,319,525

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.63 to $3.79 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000065 · wk-form4_1777334899.xml · nonDerivative · entry 1

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 7,320,099

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F2 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.60 to $3.68 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000062 · wk-form4_1776891575.xml · nonDerivative · entry 2

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 8,320,673

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.66 to $3.80 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000062 · wk-form4_1776891575.xml · nonDerivative · entry 1

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 9,321,247

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F2 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.73 to $4.02 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000060 · wk-form4_1776719101.xml · nonDerivative · entry 3

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 10,321,821

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F5 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.84 to $3.98 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000060 · wk-form4_1776719101.xml · nonDerivative · entry 2

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 11,322,395

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.87 to $4.00 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000060 · wk-form4_1776719101.xml · nonDerivative · entry 1

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 12,322,969

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F2 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.73 to $3.81 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000058 · wk-form4_1776285910.xml · derivative · entry 5

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 1,265,482,620

Underlying: Class A Common Stock · 11,000,000 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F4 · derivative.exercise_price: Each UWM Paired Interest consists of one share of non-economic voting Class D Common Stock of UWM Holdings Corporation (the "Issuer") ("Class D Stock") and one Class B common units of UWM Holdings, LLC ("UWM LLC") ("Class B Common Units"), a subsidiary of the Issuer. Each UWM Paired Interest is convertible for one share of Class A Common Stock of the Issuer (i) at any time at the option of the holder or (ii) automatically upon transfer to a third person. These shares of Class A Common Stock were acquired by SFS Holding Corp. ("SFS Corp") upon the conversion of an equal number of UWM Paired Interests.

F7 · derivative.expiration_date: The conversion rights related to the UWM Paired Interests do not expire.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000058 · wk-form4_1776285910.xml · nonDerivative · entry 3

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 13,323,543

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F5 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.75 to $3.81 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000058 · wk-form4_1776285910.xml · nonDerivative · entry 2

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 14,324,117

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F4 · price: Each UWM Paired Interest consists of one share of non-economic voting Class D Common Stock of UWM Holdings Corporation (the "Issuer") ("Class D Stock") and one Class B common units of UWM Holdings, LLC ("UWM LLC") ("Class B Common Units"), a subsidiary of the Issuer. Each UWM Paired Interest is convertible for one share of Class A Common Stock of the Issuer (i) at any time at the option of the holder or (ii) automatically upon transfer to a third person. These shares of Class A Common Stock were acquired by SFS Holding Corp. ("SFS Corp") upon the conversion of an equal number of UWM Paired Interests.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000058 · wk-form4_1776285910.xml · nonDerivative · entry 1

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 3,324,117

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F2 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.68 to $3.80 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000056 · wk-form4_1776114726.xml · nonDerivative · entry 3

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 4,324,691

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F5 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.57 to $3.73 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000056 · wk-form4_1776114726.xml · nonDerivative · entry 2

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 5,325,265

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.67 to $3.89 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000056 · wk-form4_1776114726.xml · nonDerivative · entry 1

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 6,325,839

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F2 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.82 to $4.00 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000054 · wk-form4_1775681417.xml · nonDerivative · entry 2

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 7,326,413

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.83 to $3.92 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000054 · wk-form4_1775681417.xml · nonDerivative · entry 1

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 8,326,987

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F2 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.55 to $3.72 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000052 · wk-form4_1775509035.xml · nonDerivative · entry 2

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 9,327,561

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.66 to $3.77 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000052 · wk-form4_1775509035.xml · nonDerivative · entry 1

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 10,328,135

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F2 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.54 to $3.77 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000050 · wk-form4_1775077007.xml · derivative · entry 5

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 1,276,482,620

Underlying: Class A Common Stock · 11,000,000 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F4 · derivative.exercise_price: Each UWM Paired Interest consists of one share of non-economic voting Class D Common Stock of UWM Holdings Corporation (the "Issuer") ("Class D Stock") and one Class B common units of UWM Holdings, LLC ("UWM LLC") ("Class B Common Units"), a subsidiary of the Issuer. Each UWM Paired Interest is convertible for one share of Class A Common Stock of the Issuer (i) at any time at the option of the holder or (ii) automatically upon transfer to a third person. These shares of Class A Common Stock were acquired by SFS Holding Corp. ("SFS Corp") upon the conversion of an equal number of UWM Paired Interests.

F7 · derivative.expiration_date: The conversion rights related to the UWM Paired Interests do not expire.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.

SEC source: 0001841794-26-000050 · wk-form4_1775077007.xml · nonDerivative · entry 3

Mat Ishbia · CIK 0001841794 · Director · President and CEO · 10% owner

SFS HOLDING CORP · CIK 0001842002 · 10% owner

Joint disclosure: these amounts are not allocated separately to each reporting owner.

10b5-1 filing: Plan reported

Ownership: Indirect · See Footnote

Disclosed balance after: 11,328,709

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on September 16, 2025.

F5 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.58 to $3.68 per share. The Reporting Person, upon request, will provide the Securities and Exchange Commission staff, the Issuer or a security holder of the Issuer full information regarding the number of shares sold at each price.

F3 · ownership.nature: These securities are held directly by SFS Corp, a 10% holder of the Issuer, and indirectly by Mat Ishbia. Mat Ishbia is the Chief Executive Officer and sole director of SFS Corp and serves as the investment advisor to the trust that owns the voting securities of SFS Corp, and therefore exercises all voting and dispositive power of the securities held by SFS Corp. In addition, trusts for the benefit of Mat Ishbia and his immediate family are shareholders of SFS Corp. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Corp may be deemed to be a director by deputization.