UWM Holdings Corp
For the period ended Dec 31, 2024. Filed Feb 26, 2025.
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FY2024 · Filed Feb 26, 2025
UWMC$1.38-6.8%Stored close · as of Nov 10, 2026
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Item 15. Exhibits and Financial Statement Schedules
| ExhibitNumber | Description |
| 2.1* | Business Combination Agreement, dated as of September 22, 2020, by and among Gores Holdings IV, Inc., United Shore Financial Services, LLC and SFS Holding Corp. (incorporated by reference to the Company’s Current Report on Form 8-K filed on September 23, 2020). |
| 2.2 | Amendment to Business Combination Agreement, dated December 14, 2020, by and among Gores Holdings IV, Inc., United Shore Financial Services, LLC d/b/a United Wholesale Mortgage and SFS Holding Corp. (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 3.1 | Amended and Restated Certificate of Incorporation of UWM Holdings Corporation (incorporated by reference to the Company’s Current Report on Form 8-K/A filed on January 25, 2021). |
| 3.2 | Amended and Restated Bylaws of UWM Holdings Corporation (incorporated by reference to the Company’s Current Report on Form 8-K/A filed on January 25, 2021). |
| 3.3 | Second Amended and Restated Limited Liability Company Agreement of UWM Holdings, LLC. (incorporated by reference to the Company’s Current Report on Form 8-K filed with the SEC on February 9, 2021). |
| 4.1 | Indenture, dated November 3, 2020, by and between United Shore Financial Services, LLC and U.S. Bank National Association, as trustee (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 4.2 | Form of 5.500% Senior Notes due 2025 (included in Exhibit 4.1) (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 4.3 | Specimen Class A common stock Certificate (incorporated by reference to the Company’s Form S-1 filed on December 5, 2019). |
| 4.4 | Specimen Warrant Certificate (incorporated by reference to the Company’s Form S-1 filed on December 5, 2019). |
| 4.5 | Warrant Agreement, dated January 23, 2020, between the Company and Continental Stock Transfer & Trust Company, as warrant agent (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 30, 2020). |
| 4.7 | Indenture, dated April 7, 2021, by and between United Wholesale Mortgage, LLC and U.S. Bank National Association, as trustee (incorporated by reference to the Company’s Quarterly Report on Form 10-Q filed on May 13, 2021). |
| 4.8 | Form of 5.500% Senior Notes due 2029 (included in Exhibit 4.7) (incorporated by reference to the Company’s Quarterly Report on Form 10-Q filed on May 13, 2021). |
| 4.9 | Indenture, dated November 22, 2021, by and between United Wholesale Mortgage, LLC and U.S. Bank National Association, as trustee (incorporated by reference from the Company’s Current Report on Form 8-K filed on November 23, 2021). |
| 4.10 | Form of 5.750% Senior Notes due 2027 (included in Exhibit 4.9) (incorporated by reference from the Company’s Current Report on Form 8-K filed on November 23, 2021). |
| 4.11 | Indenture, dated December 10, 2024, by and between UWM Holdings, LLC, as issuer, United Wholesale Mortgage, as guarantor, and U.S. Bank Trust Company, National Association, as trustee (incorporated by reference from the Company’s Current Report on Form 8-K filed on December 16, 2024). |
| 4.12 | Form of 6.625% Senior Notes due 2030 (included in Exhibit 4.11) (incorporated by reference from the Company’s Current Report on Form 8-K filed on December 16, 2024). |
| 10.1 | Amended and Restated Registration Rights and Lock-Up Agreement, dated January 21, 2021, by and between UWM Holdings Corporation, Gores Sponsor IV LLC, Randall Bort, William Patton, Jeffrey Rea and SFS Holding Corp. (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.2 | Tax Receivable Agreement, dated January 21, 2021, by and among SFS Holding Corp. and UWM Holdings Corporation (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.3† | UWM Holdings Corporation 2020 Omnibus Incentive Plan (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.4* | Lease Agreement, dated June 28, 2017, by and between UWM, as tenant, and Pontiac Center Investment, LLC, as landlord (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.4.1 | First Amendment to Lease, dated May 11, 2018, by and between UWM, as tenant, and Pontiac Center Investment, LLC, as landlord (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.4.2 | Second Amendment to Lease, dated June 20, 2018, by and between UWM, as tenant, and Pontiac Center Investment, LLC, as landlord (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.4.3 | Third Amendment to Lease, dated September 28, 2018, by and between UWM, as tenant, and Pontiac Center Investment, LLC, as landlord (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.4.4 | Fourth Amendment to Lease, dated February 21, 2019, by and between UWM, as tenant, and Pontiac Center Investment, LLC, as landlord (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.5 | Parking Area Lease Agreement, dated January 1, 2019, by and between UWM, as tenant, and Pontiac Center Parking, LLC, as landlord (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.6* | Lease Agreement, dated January 1, 2020, by and between UWM, as tenant, and Pontiac South Boulevard, LLC, as landlord (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.7*# | Master Repurchase Agreement, dated March 7, 2019, by and between UWM and Jefferies Funding LLC (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.7.1 | Omnibus Amendment to Master Repurchase Agreement, dated December 14, 2020, by and between UWM and Jefferies Funding LLC (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.8*# | Amendment No. 11 to Master Repurchase Agreement, dated December 23, 2020, by and among UWM, United Shore Repo Seller 1 LLC, United Shore Repo Trust 1 and JPMorgan Chase Bank (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.9*# | Master Repurchase Agreement, dated November 5, 2014, by and between UWM and UBS AG (as successor in interest to UBS BANK USA) (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.9.1* | Amendment No. 1 to Master Repurchase Agreement, dated November 4, 2015, by and between UWM and UBS BANK USA (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.9.2* | Assignment and Amendment No. 2 to Master Repurchase Agreement, dated August 16, 2016, by and among UWM, UBS Bank USA, and UBS AG (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.9.3* | Amendment No. 3 to Master Repurchase Agreement, dated November 2, 2016, by and between UWM and UBS AG (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.9.4* | Amendment No. 4 to Master Repurchase Agreement, dated January 2, 2018, by and between UWM and UBS AG (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.9.5 | Amendment No. 5 to Master Repurchase Agreement, dated May 30, 2018, by and between UWM and UBS AG (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.9.6# | Amendment No. 6 to Master Repurchase Agreement, dated January 14, 2019, by and between UWM and UBS AG (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.9.7# | Amendment No. 7 to Master Repurchase Agreement, dated February 21, 2019, by and between UWM and UBS AG (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.9.8# | Amendment No. 8 to Master Repurchase Agreement, dated January 13, 2020, by and between UWM and UBS AG (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.9.9 | Amendment No. 9 to Master Repurchase Agreement, dated April 15, 2020, by and between UWM and UBS AG (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.9.10 | Amendment No. 10 to Master Repurchase Agreement, dated August 3, 2020, by and between UWM and UBS AG (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.9.11# | Amendment No. 11 to Master Repurchase Agreement and Amendment No. 24 to Pricing Letter, dated December 14, 2020, by and between UWM and UBS AG (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.9.12# | Amendment No. 18 to Master Repurchase Agreement, dated October 1, 2024, by and between UWM and UBS AG (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021) |
| 10.10* | Lease Agreement, dated as of January 1, 2021, by and between Pontiac Center East, LLC and United Wholesale Mortgage, LLC (incorporated by reference to the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 10.10.1 | Amendment to Lease Agreement dated August 12, 2021 by and between Pontiac Center East LLC and United Wholesale Mortgage, LLC. (incorporated by reference to of the Company’s Quarterly Report on Form 10-Q filed on November 9, 2021). |
| 10.11*# | Master Repurchase Agreement, dated as of April 23, 2021, by and among Goldman Sachs Bank USA, A National Banking Institution, United Shore Repo Seller 4 LLC, and United Wholesale Mortgage, LLC (incorporated by reference to the Company’s Quarterly Report on Form 10-Q filed on May 13, 2021). |
| 10.12 | Purchase Agreement, dated March 30, 2021, among United Wholesale Mortgage and J.P. Morgan Securities LLC, as representative of the several initial purchasers listed on Schedule A thereto (incorporated by reference to the Company’s Current Report on Form 8-K filed on March 31, 2021). |
| 10.13*# | Master Repurchase Agreement, dated as of October 30, 2021, by and among United Shore Financial Services, LLC, United Shore Repo Seller 3 LLC and Citibank, N.A., as amended by the Amendment, dated as of May 26, 2021, by and among Citibank, N.A., UWM, and United Shore Repo Seller 3 LLC (incorporated by reference to the Company’s Current Report on Form 8-K filed on March 31, 2021). |
| 10.14 | Amended and Restated Master Purchase Agreement, dated as of February 24, 2021, by and among UWM, United Shore Repo Seller 2 LLC and Bank of America, N.A. |
| 10.15† | Form of UWM Holdings Corporation Restricted Stock Unit Agreement (incorporated by reference from the Company’s Annual Report on Form 10-K filed on March 1, 2022) |
| 10.16# | Revolving Credit Agreement, dated August 8, 2022, between United Wholesale Mortgage, LLC, as borrower, and SFS Holding Corp., as lender (incorporated by reference from the Company’s Quarterly Report on Form 10-Q filed on August 9, 2022). |
| 10.17# | Amended and Restated Loan and Security Agreement, dated September 30, 2022, between United Wholesale Mortgage, LLC, as borrower, and Citibank, N.A., as lender (incorporated by reference from the Company’s Current Report on Form 8-K filed on October 4, 2022). |
| 10.18.1# | Amendment No. 1 to the Amended and Restated Loan and Security Agreement, dated January 20, 2023, between United Wholesale Mortgage, LLC and Citibank, N.A. (incorporated by reference from the Company’s Annual Report on Form 10-K filed on March 1, 2023). |
| 10.18.2 | Amendment No. 6 to the Amended and Restated Loan and Security Agreement, dated June 27, 2024, between United Wholesale Mortgage, LLC and Citibank, N.A. (incorporated by reference from the Company’s Quarterly Report on Form 10-Q filed on August 6, 2024) |
| 10.19*# | Credit Agreement, dated March 20, 2023, between United Wholesale Mortgage, LLC, as borrower, and Goldman Sachs Bank USA, as administrative agent, and the lenders from time to time party thereto (incorporated by reference from the Company’s Current Report on Form 8-K filed March 22, 2023). |
| 10.19.1*# | First Amendment to Credit Agreement, dated March 20, 2024, between United Wholesale Mortgage, LLC, as borrower, and Goldman Sachs Bank USA, as administrative agent, and the lenders from time to time party thereto (incorporated by reference from the Company’s Quarterly Report on Form 10-Q filed on May 9, 2024). |
| 10.20*# | Master Repurchase Agreement and Securities Contract, conformed through Amendment No. 7, dated May 25, 2023, between United Wholesale Mortgage, LLC, as seller, and Bank of Montreal, as buyer (incorporated by reference from the Company’s Quarterly Report on Form 10-Q filed November 8, 2023). |
| 10.20.1*#% | Amended and Restated Master Purchase Agreement and Securities Contract, conformed through Amendment No. 8, dated January 30, 2025, between United Wholesale Mortgage, LLC, as seller, and Bank of Montreal, as buyer. |
| 10.21 | Purchase Agreement, dated December 5, 2024, among UWM Holdings, LLC and J.P. Morgan Securities LLC, as representative of the several initial purchasers listed on Schedule A thereto (incorporated by reference from the Company’s Current Report on Form 8-K filed on December 6, 2024). |
| 10.22†% | Form of 2024 UWM Holdings Corporation Restricted Stock Unit Agreement |
| 19% | UWM Holdings Corporation Insider Trading Policy |
| 21 | List of Subsidiaries (incorporated by reference to Exhibit 21 of the Company’s Current Report on Form 8-K filed on January 22, 2021). |
| 23.1% | Consent of Deloitte & Touche LLP |
| 31.1% | Certification of CEO, pursuant to SEC Rule 13a-14(a) and 15d-14(a) |
| 31.2% | Certification of CFO, pursuant to SEC Rule 13a-14(a) and 15d-14(a) |
| 32.1% | Certification by the CEO, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 |
| 32.2% | Certification by the CFO, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 |
| 97 | UWM Holdings Corporation Executive Officer Clawback Policy |
| 101.0 INS% | XBRL Instance Document - the instance document does not appear in the Interactive Data File because its XBRL tags are embedded within theInline XBRL document. |
| 101.SCH% | XBRL Taxonomy Extension Schema Document. |
| 101.CAL% | XBRL Taxonomy Extension Calculation Linkbase Document |
| 101.DEF% | XBRL Taxonomy Extension Definition Linkbase Document |
| 101.LAB% | XBRL Taxonomy Extension Label Linkbase Document. |
| 101.PRE% | XBRL Taxonomy Extension Presentation Linkbase Document |
| 104.0% | Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101). |
| % | Filed herewith. |
| * | Certain of the exhibits and schedules to this exhibit have been omitted in accordance with Regulation S-K Item 601(a)(5) or Item 601(b)(2). The Registrant agrees to furnish a copy of all omitted exhibits and schedules to the SEC upon its request. |
| † | Indicates a management contract or compensatory plan, contract or arrangement. |
| # | Certain confidential portions of this exhibit were omitted by means of marking such portions with brackets and asterisks because the identified confidential portions (i) are not material and (ii) would be competitively harmful if publicly disclosed, or constituted personally identifiable information that is not material. |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.