UWM Holdings Corp-A 2026年季度报告

(Mark One) ☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the quarterly period ended June 30, 2026OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☐For the transition period from _______________ to _______________ Commission file number 001-39189 UWM HOLDINGS CORPORATION (Exact name of registrant as specified in its charter) Delaware 84-2124167(State or other jurisdiction of incorporation or organization)(I.R.S. Employer Identification No.) (800) 981-8898Registrant's telephone number, including area codeN/A(Former name, former address and former fiscal year, if changed since last report) Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during thepreceding 12 months (or for such shorter period that the registrant was required to file such reports); and (2) has been subject to such filing requirements for the past 90days.YesNo Indicate by check mark whether the registrant has submitted electronically and posted on its corporate web site, if any, every Interactive Data File required to besubmitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrantwas required to submit and post such files).YesNo Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitionsof “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act. (Check one): Large accelerated filerAccelerated filer☐Non-accelerated filer☐Smaller reporting company☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revisedfinancial accounting standards provided pursuant to Section 13(a) of the Exchange Act. Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes☐No Table of Contents Table of Contents PART I - FINANCIAL INFORMATIONItem 1. Financial StatementsCondensed Consolidated Balance SheetsCondensed Consolidated Statements of OperationsCondensed Consolidated Statements of Changes in EquityCondensed Consolidated Statements of Cash FlowsNotes to Condensed Consolidated Financial StatementsItem 2. Management’s Discussion and Analysis of Financial Condition and Results of OperationsItem 3. Quantitative and Qualitative Disclosures About Market RiskItem 4. Controls and Procedures PART II - OTHER INFORMATIONItem 1. Legal ProceedingsItem 1A. Risk FactorsItem 5. Other InformationItem 6. Exhibits Signatures PART I UWM HOLDINGS CORPORATIONCONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS(in thousands)(Unaudited) Organization UWM Holdings Corporation ("UWMC"), a Delaware corporation, through its consolidated subsidiaries (collectively, the“Company”), engages in the origination, sale and servicing of residential mortgage loans throughout the U.S. The Company is organized in an “Up-C” structure in which United Wholesale Mortgage, LLC (“UWM”), a Michigan limitedliability company (the operating subsidiary) is 100% owned directly by UWM Holdings, LLC (“Holdings LLC”), a Delaware limitedliability company which is in turn owned by SFS Holding Corp. (“SFS Corp.”), a Michigan corporation and by the Company.Holdings LLC has two classes of equity, Class B Common Units, which are held solely by SFS Corp., and Class A Common Units,which are held solely by the Company. The Company is the manager of Holdings LLC and its only material direct asset consists of theClass A Common Units in Holdings LLC. As of June30, 2026, the Company’s current capital structure authorizes four classes of common Stock, Class A commonstock, Class B common stock, Class C common stock and Class D common stock. Each of the Class A Common Stock and Class BCommon Stock have the same economic interest in the Company, with Class A Common Stock having one vote per share and theClass B Common Stock having 10 votes per share. The holders of Class C common stock and Class D common stock do not have anyeconomic rights, but have one vote per share and 10 votes per share, respectively. Pursuant to our Certificate of Incorporation, onlySFS Corp. and its shareholders can hold either Class B Common Stock or Class D Common Stock. As part of our structure, SFS Corp. holds Holdings LLC Class B Common Units and an equal number of shares of Class Dcommon stock (each, a “Paired Interest"). Each Paired Interest may be exchanged at any time by SFS Corp. into, at the option of theCompany, either, (a) cash or (b) one share of the Company’s Class B common stock (an "Exchange Transaction"). Each share of