UWMC

SEC source: 0001841794-25-000060 · wk-form4_1756413940.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: 898,164

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F5 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $5.48 to $5.73 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: 0001841794-25-000060 · wk-form4_1756413940.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: 1,298,200

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $5.60 to $5.73 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: 0001841794-25-000060 · wk-form4_1756413940.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: 1,698,236

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F2 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $5.67 to $5.85 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: 0001841794-25-000057 · wk-form4_1756155590.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: 2,098,272

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $5.68 to $5.83 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: 0001841794-25-000057 · wk-form4_1756155590.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: 2,498,308

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F2 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $5.40 to $5.89 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: 0001841794-25-000055 · wk-form4_1755810929.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: 2,898,344

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F5 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $5.28 to $5.46 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: 0001841794-25-000055 · wk-form4_1755810929.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: 3,298,380

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $5.52 to $5.66 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: 0001841794-25-000055 · wk-form4_1755810929.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: 3,698,416

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F2 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $5.42 to $5.68 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: 0001841794-25-000052 · wk-form4_1755550952.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: 4,098,452

F3 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F5 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $5.28 to $5.42 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: 0001841794-25-000052 · wk-form4_1755550952.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: 1,376,482,620

Underlying: Class A Common Stock · 4,200,000 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.

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: 0001841794-25-000052 · wk-form4_1755550952.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: 4,498,488

F3 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $5.32 to $5.57 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: 0001841794-25-000052 · wk-form4_1755550952.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: 4,898,524

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: 0001841794-25-000050 · wk-form4_1755203577.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: 698,524

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F5 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $5.32 to $5.56 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: 0001841794-25-000050 · wk-form4_1755203577.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: 1,098,560

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $5.08 to $5.63 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: 0001841794-25-000050 · wk-form4_1755203577.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: 1,498,596

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F2 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.65 to $5.06 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: 0001841794-25-000048 · wk-form4_1754947462.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: 1,898,632

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.52 to $4.67 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: 0001841794-25-000048 · wk-form4_1754947462.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: 2,298,668

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F2 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.43 to $4.74 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: 0001841794-25-000046 · wk-form4_1754602370.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: 2,698,704

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F5 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.45 to $4.90 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: 0001841794-25-000046 · wk-form4_1754602370.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: 3,098,740

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.21 to $4.38 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: 0001841794-25-000046 · wk-form4_1754602370.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: 3,498,776

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F2 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.24 to $4.38 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: 0001841794-25-000044 · wk-form4_1754345062.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 3,898,812

F3 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F5 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.16 to $4.28 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: 0001841794-25-000044 · wk-form4_1754345062.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 1,380,682,620

Underlying: Class A Common Stock · 4,200,000 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.

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: 0001841794-25-000044 · wk-form4_1754345062.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 4,298,848

F3 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.11 to $4.31 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: 0001841794-25-000044 · wk-form4_1754345062.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 4,698,884

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: 0001841794-25-000042 · wk-form4_1753995164.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 498,884

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F5 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.98 to $4.07 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: 0001841794-25-000042 · wk-form4_1753995164.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 898,920

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.03 to $4.21 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: 0001841794-25-000042 · wk-form4_1753995164.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 1,298,956

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F2 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.18 to $4.31 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: 0001841794-25-000040 · wk-form4_1753740942.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 1,698,992

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.20 to $4.27 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: 0001841794-25-000040 · wk-form4_1753740942.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 2,099,028

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F2 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.15 to $4.36 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: 0001841794-25-000037 · wk-form4_1753392313.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 2,499,064

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F5 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.35 to $4.58 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: 0001841794-25-000037 · wk-form4_1753392313.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 2,899,100

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.55 to $4.76 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: 0001841794-25-000037 · wk-form4_1753392313.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 3,299,136

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F2 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.43 to $4.65 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: 0001841794-25-000035 · wk-form4_1753134974.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 3,699,172

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.25 to $4.48 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: 0001841794-25-000035 · wk-form4_1753134974.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 4,099,208

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F2 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.15 to $4.24 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: 0001841794-25-000032 · wk-form4_1752787745.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 4,499,244

F3 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F6 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.15 to $4.25 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: 0001841794-25-000032 · wk-form4_1752787745.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 4,899,280

F3 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F5 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.10 to $4.25 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: 0001841794-25-000032 · wk-form4_1752787745.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 1,384,882,620

Underlying: Class A Common Stock · 4,200,000 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.

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.

F8 · 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: 0001841794-25-000032 · wk-form4_1752787745.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 5,299,316

F3 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.17 to $4.29 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: 0001841794-25-000032 · wk-form4_1752787745.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 5,699,352

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: 0001841794-25-000030 · wk-form4_1752527598.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 1,499,352

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.15 to $4.27 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: 0001841794-25-000030 · wk-form4_1752527598.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 1,899,388

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F2 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.07 to $4.19 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: 0001841794-25-000027 · wk-form4_1752182116.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 2,299,424

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F5 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.04 to $4.21 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: 0001841794-25-000027 · wk-form4_1752182116.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 2,699,460

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.19 to $4.30 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: 0001841794-25-000027 · wk-form4_1752182116.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 3,099,496

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F2 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.04 to $4.20 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: 0001841794-25-000024 · wk-form4_1751925308.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 3,499,532

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F5 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $3.98 to $4.22 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: 0001841794-25-000024 · wk-form4_1751925308.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 3,899,568

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F4 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.21 to $4.30 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: 0001841794-25-000024 · wk-form4_1751925308.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 4,299,604

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F2 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.27 to $4.40 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: 0001841794-25-000021 · wk-form4_1751410112.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 1,389,082,620

Underlying: Class A Common Stock · 4,200,000 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.

F6 · 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.

F8 · 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: 0001841794-25-000021 · wk-form4_1751410112.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 4,699,640

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.

F6 · 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: 0001841794-25-000021 · wk-form4_1751410112.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: No plan indicated

Ownership: Indirect · See Footnote

Disclosed balance after: 499,640

F1 · shares: Sold pursuant to the 10b5-1 Plan adopted by SFS Corp on March 17, 2025.

F5 · price: Represents the weighted average price of shares sold. The price of the shares sold ranged from $4.08 to $4.30 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.