0001783398-24-000036.txt : 20240806 0001783398-24-000036.hdr.sgml : 20240806 20240806083234 ACCESSION NUMBER: 0001783398-24-000036 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 16 CONFORMED PERIOD OF REPORT: 20240806 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Regulation FD Disclosure ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20240806 DATE AS OF CHANGE: 20240806 FILER: COMPANY DATA: COMPANY CONFORMED NAME: UWM Holdings Corp CENTRAL INDEX KEY: 0001783398 STANDARD INDUSTRIAL CLASSIFICATION: MORTGAGE BANKERS & LOAN CORRESPONDENTS [6162] ORGANIZATION NAME: 02 Finance IRS NUMBER: 842124167 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-39189 FILM NUMBER: 241177229 BUSINESS ADDRESS: STREET 1: 585 SOUTH BLVD E CITY: PONTIAC STATE: MI ZIP: 48341 BUSINESS PHONE: 800-981-8898 MAIL ADDRESS: STREET 1: 585 SOUTH BLVD E CITY: PONTIAC STATE: MI ZIP: 48341 FORMER COMPANY: FORMER CONFORMED NAME: Gores Holdings IV, Inc. DATE OF NAME CHANGE: 20190723 8-K 1 xbrl-20240806.htm 8-K xbrl-20240806
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K

CURRENT REPORT
Pursuant to Section 13 or 15(d)
of the Securities Exchange Act of 1934

Date of report (Date of earliest event reported): August 6, 2024
UWM Holdings Corporation
(Exact Name of Registrant as Specified in Charter)
Delaware 001-39189 82-2124167
(State or other jurisdiction
of incorporation)		 (Commission
File Number)		 (I.R.S. Employer
Identification Number)
585 South Boulevard E.
                                   Pontiac,
Michigan48341
(Address of principal executive offices)
(Zip Code)
(800) 981-8898
(Registrant’s telephone number, including area code)

 ☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
 ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
 ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
 ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class Trading
Symbol(s)		 Name of each exchange
on which registered
Class A Common Stock, par value $0.0001 per share UWMC New York Stock Exchange
Warrants, each warrant exercisable for one share of Class A Common Stock at an exercise price of $11.50 UWMCWS New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).

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 revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐






Item 2.02    Results of Operations and Financial Condition.

On August 6, 2024, UWM Holdings Corporation, (the “Company”) issued a press release announcing its results for the second quarter ended June 30, 2024. A copy of the press release is furnished herewith as Exhibit 99.1.

Item 7.01 Regulation FD Disclosure.

On August 6, 2024, the Company announced that its Board of Directors had declared a cash dividend of $0.10 per share on the outstanding shares of Class A common stock. The dividend is payable on October 10, 2024, to stockholders of record at the close of business on September 19, 2024. The Board also approved a proportional distribution to SFS Corp., of $150.2 million which is payable on or about October 10, 2024. To the extent required by law, the Company will post Form 8937, with respect to the U.S. federal income tax characteristics of this dividend, to its website at investors.uwm.com.

Item 9.01    Financial Statements and Exhibits.

(d) Exhibits

As described in Item 2.02 of this Current Report on Form 8-K, the following exhibits are furnished as part of this Current Report.


SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: August 6, 2024

UWM HOLDINGS CORPORATION
By: /s/ Andrew Hubacker
Name: Andrew Hubacker
Title: Executive Vice President, Chief Financial Officer and Chief Accounting Officer


 EX-99.1 2 q22024ex-991pressrelease.htm EX-99.1 EARNINGS RELEASE Document



Exhibit 99.1


uwmc_colorlogo.jpg
UWM Holdings Corporation Announces
Second Quarter 2024 Results

Second Quarter Net Income of $76.3 Million. Loan Origination Volume of $33.6 Billion,
Including Purchase Volume of $27.2 Billion.
PONTIAC, MI, August 6, 2024 - UWM Holdings Corporation (NYSE: UWMC) (the "Company"), the publicly traded indirect parent of United Wholesale Mortgage (“UWM”), today announced its results for the second quarter ended June 30, 2024. Total loan origination volume for the second quarter 2024 was $33.6 billion, of which $27.2 billion was purchase volume. The Company reported 2Q24 net income of $76.3 million, inclusive of a $115.3 million decline in fair value of MSRs, net, and diluted earnings per share of $0.03.

Mat Ishbia, Chairman and CEO of UWMC, said, "The second quarter was another strong quarter, by all measures, for UWM and the wholesale channel. We collectively continue to dominate the current purchase market while investing and preparing for lower rates ahead. Our momentum is building, with margins and production both up year over year, and our focus remains on our best-in-class people, process and technology. UWM and the mortgage broker community are in a position of strength. With wholesale channel market share at a 15-year high, we are in a prime position to capitalize and grow when rates inevitably drop. UWM has never been as prepared for the upcoming opportunity as we are now."

Second Quarter Financial 2024 Highlights

•Originations of $33.6 billion in 2Q24, compared to $27.6 billion in 1Q24 and $31.8 billion in 2Q23
•Purchase originations of $27.2 billion in 2Q24, compared to $22.1 billion in 1Q24 and $28.0 billion in 2Q23
•Total gain margin of 106 bps in 2Q24 compared to 108 bps in 1Q24 and 88 bps in 2Q23
•Net income of $76.3 million in 2Q24 compared to net income of $180.5 million in 1Q24 and net income of $228.8 million in 2Q23
•Adjusted EBITDA of $133.1 million in 2Q24 compared to $101.5 million in 1Q24 and $125.4 million in 2Q23
•Total equity of $2.3 billion at June 30, 2024, compared to $2.5 billion at March 31, 2024, and $2.9 billion at June 30, 2023
•Unpaid principal balance of MSRs of $189.5 billion with a WAC of 4.31% at June 30, 2024, compared to $229.7 billion with a WAC of 4.58% at March 31, 2024, and $294.9 billion with a WAC of 3.84% at June 30, 2023
•Ended 2Q24 with approximately $2.7 billion of available liquidity, including $680.2 million of cash, and available borrowing capacity under our secured and unsecured lines of credit

1




Production and Income Statement Highlights (dollars in thousands, except per share amounts)
Q2 2024Q1 2024Q2 2023
Loan origination volume(1)
$33,628,993 $27,630,535 $31,846,800 
Total gain margin(1)(2)
1.06 %1.08 %0.88 %
Net income
$76,286 $180,531 $228,794 
Diluted earnings per share
0.03 0.09 0.08 
Adjusted diluted earnings per share(3)
0.04 
            N/A
0.11 
Adjusted net income(3)
59,809 141,121 175,953 
Adjusted EBITDA(3)
133,146 101,490 125,380 
 
(1)Key operational metric (see discussion below).
(2)Represents total loan production income divided by loan origination volume.
(3)Non-GAAP metric (see discussion and reconciliations below).
Balance Sheet Highlights as of Period-end (dollars in thousands)
Q2 2024Q1 2024Q2 2023
Cash and cash equivalents$680,153 $605,639 $634,576 
Mortgage loans at fair value8,236,183 7,338,135 6,269,924 
Mortgage servicing rights2,650,090 3,191,803 4,224,207 
Total assets12,921,641 12,797,334 12,425,919 
Non-funding debt (1)
2,108,426 2,311,850 2,623,991 
Total equity2,329,012 2,457,058 2,947,122 
Non-funding debt to equity (1)
0.91 0.94 0.89 

 (1) Non-GAAP metric (see discussion and reconciliations below).

Mortgage Servicing Rights (dollars in thousands)
Q2 2024Q1 2024Q2 2023
Unpaid principal balance$189,482,798 $229,706,006 $294,945,929 
Weighted average interest rate4.31 %4.58 %3.84 %
Weighted average age (months)26 22 20 
Second Quarter Business and Product Highlights
•UWM LIVE!
◦For the third consecutive year, UWM hosted over 5,000 independent mortgage brokers, processors and real estate agents for UWM LIVE!, one of the largest mortgage events of the year
•Launched TRAC+
◦UWM can now handle everything throughout title review, closing and disbursement. As a result, brokers have the option to close the loan without working with a title company or a settlement agent
•Launched ChatUWM
◦An innovative AI-powered smart search designed to support independent mortgage brokers, providing instant responses on topics including guidelines, matrices, summaries of UWM’s tools and technology and more
•Continued Investment in Mortgage Matchup
◦Mortgage Matchup was announced as the official mortgage partner of the NBA and WNBA, the first-ever mortgage partnership for both leagues




2




Product and Investor Mix - Unpaid Principal Balance of Originations (dollars in thousands)
Purchase:Q2 2024Q1 2024Q2 2023
Conventional$15,650,022 $12,160,107 $17,607,736 
Government8,298,147 7,567,925 9,184,089 
Jumbo and other (1)
3,224,482 2,393,397 1,243,350 
Total Purchase$27,172,651 $22,121,429 $28,035,175 
Refinance:Q2 2024Q1 2024Q2 2023
Conventional$2,506,853 $1,716,281 $2,113,172 
Government2,573,514 2,657,541 1,336,350 
Jumbo and other (1)
1,375,975 1,135,284 362,103 
Total Refinance$6,456,342 $5,509,106 $3,811,625 
Total Originations$33,628,993 $27,630,535 $31,846,800 
(1) Comprised of non-agency jumbo products, construction loans, and non-qualified mortgage products, including home equity lines of credit ("HELOCs") (which in many instances are second liens).
Third Quarter 2024 Outlook
We anticipate third quarter production to be in the $31 to $38 billion range, with gain margin from 85 to 110 basis points.
Dividend
Subsequent to June 30, 2024, for the fifteenth consecutive quarter, the Company's Board of Directors declared a cash dividend of $0.10 per share on the outstanding shares of Class A common stock. The dividend is payable on October 10, 2024, to stockholders of record at the close of business on September 19, 2024. Additionally, the Board approved a proportional distribution to SFS Corp., which is payable on or about October 10, 2024.
Earnings Conference Call Details
As previously announced, the Company will hold a conference call for financial analysts and investors on Tuesday, August 6, 2024, at 10:00 AM ET to review the results and answer questions. Interested parties may register for a toll-free dial-in number by visiting:
https://registrations.events/direct/Q4I2815784
Please dial in at least 15 minutes in advance to ensure a timely connection to the call. Audio webcast, taped replay and a transcript will be available on the Company's investor relations website at https://investors.uwm.com/.
Key Operational Metrics
“Loan origination volume” and “Total gain margin” are key operational metrics that the Company's management uses to evaluate the performance of the business. “Loan origination volume” is the aggregate principal of the residential mortgage loans originated by the Company during a period. “Total gain margin” represents total loan production income divided by loan origination volume for the applicable periods.
Non-GAAP Metrics
The Company's net income does not reflect the income tax provision that would otherwise be reflected if 100% of the economic interest in UWM was owned by the Company. Therefore, for comparison purposes, the Company provides “Adjusted net income (loss),” which is our pre-tax income (loss) together with an adjusted income tax provision (benefit), which is calculated as the provision for income taxes plus the tax effects of net income attributable to non-controlling interest determined using a blended statutory effective tax rate. “Adjusted net income (loss)” is a non-GAAP metric. "Adjusted diluted EPS" is defined as "Adjusted net income (loss)" divided by the weighted average number of shares of Class A common stock outstanding for the applicable period, assuming the exchange and conversion of all outstanding Class D common stock for Class A common stock, and is calculated and presented for periods in which the assumed exchange and conversion of Class D common stock to Class A common stock is anti-dilutive to EPS.
We also disclose Adjusted EBITDA, which we define as earnings (loss) before interest expense on non-funding debt, provision for income taxes, depreciation and amortization, stock-based compensation expense, the change in fair value of MSRs due to valuation inputs or assumptions (net), the impact of non-cash deferred compensation expense, the change in fair value of the Public and Private Warrants, the change in Tax Receivable Agreement liability and the change in fair value of retained investment securities. We exclude the change in Tax Receivable Agreement liability, the change in fair value of the Public and Private Warrants, the change in fair value of retained investment securities, and the change in fair value of MSRs due to valuation inputs or assumptions as these represent non-cash, non-realized adjustments to our earnings, which is not indicative of
3




our performance or results of operations. Adjusted EBITDA includes interest expense on funding facilities, which are recorded as a component of interest expense, as these expenses are a direct operating expense driven by loan origination volume. By contrast, interest expense on non-funding debt is a function of our capital structure and is therefore excluded from Adjusted EBITDA.
In addition, we disclose “Non-funding debt” and the “Non-funding debt to equity ratio” as a non-GAAP metric. We define “Non-funding debt” as the total of the Company's senior notes, lines of credit, borrowings against investment securities, equipment note payable, and finance leases and the “Non-funding debt-to-equity ratio” as total non-funding debt divided by the Company’s total equity.
Management believes that these non-GAAP metrics provide useful information to investors. These measures are not financial measures calculated in accordance with GAAP and should not be considered as a substitute for any other operating performance measure calculated in accordance with GAAP and may not be comparable to a similarly titled measure reported by other companies.
The following tables set forth the reconciliations of these non-GAAP financial measures to their most directly comparable financial measure calculated in accordance with GAAP (dollars in thousands, except per share amounts):

Adjusted net income
Q2 2024Q1 2024Q2 2023
Earnings before income taxes
$77,072 $184,264 $230,004 
Adjusted income tax provision
(17,263)(43,143)(54,051)
Adjusted net income
$59,809 $141,121 $175,953 

Adjusted diluted EPSQ2 2024Q2 2023
Diluted weighted average Class A common stock outstanding95,387,609 93,107,133 
Assumed pro forma conversion of Class D common stock (1)
1,502,069,787 1,502,069,787 
Adjusted diluted weighted average shares outstanding (1)
1,597,457,396 1,595,176,920 
Adjusted net income
$59,809 $175,953 
Adjusted diluted EPS0.04 0.11 
(1) Reflects the pro forma exchange and conversion of antidilutive Class D common stock to Class A common stock.

Adjusted EBITDAQ2 2024Q1 2024Q2 2023
Net income
$76,286 $180,531 $228,794 
Interest expense on non-funding debt31,951 40,243 42,756 
Provision for income taxes
786 3,733 1,210 
Depreciation and amortization11,404 11,340 11,441 
Stock-based compensation expense3,937 5,876 3,567 
Change in fair value of MSRs due to valuation inputs or assumptions, net
11,056 (141,059)(164,526)
Deferred compensation, net(1,169)1,063 (564)
Change in fair value of Public and Private Warrants
(1,739)(686)1,175 
Change in Tax Receivable Agreement liability
— 180 915 
Change in fair value of investment securities634 269 612 
Adjusted EBITDA$133,146 $101,490 $125,380 

4




Non-funding debt and non-funding debt to equityQ2 2024Q1 2024Q2 2023
Senior notes$1,990,233 $1,989,250 $1,986,301 
Secured lines of credit— 200,000 500,000 
Borrowings against investment securities91,406 94,064 100,901 
Equipment note payable— — 433 
Finance lease liability26,787 28,536 36,356 
Total non-funding debt$2,108,426 $2,311,850 $2,623,991 
Total equity$2,329,012 $2,457,058 $2,947,122 
Non-funding debt to equity0.91 0.94 0.89 
Cautionary Note Regarding Forward-Looking Statements
This press release and our earnings call include forward-looking statements. These forward-looking statements are generally identified using words such as “anticipate,” “believe,” “estimate,” “expect,” “intend,” “may,” “plan,” “potential,” “predict” and similar words indicating that these reflect our views with respect to future events. Forward-looking statements in this press release and our earnings call include statements regarding: (1) our position amongst our competitors and ability to capture market share; (2) our investment in our people, products and technology, and the benefits of our results; (3) our beliefs regarding opportunities in 2024 for our business and the broker channel; (4) our beliefs regarding operational profitability; (5) growth of the wholesale and broker channels, the impact of our strategies on such growth and the benefits to our business of such growth; (6) our growth and strategies to remain the leading mortgage lender, and the timing and drivers of that growth; (7) the benefits and liquidity of our MSR portfolio; (8) our beliefs related to the amount and timing of our dividend; (9) our expectations for future market environments, including interest rates, levels of refinance activity and the timing of such market changes; (10) our expectations related to production and margin in the third quarter of 2024; (11) the benefits of our business model, strategies and initiatives, and their impact on our results and the industry; (12) our performance in shifting market conditions and the comparison of such performance against our competitors; (13) our ability to produce results in future years at or above prior levels or expectations, and our strategies for producing such results; (14) our position and ability to capitalize on market opportunities and the impacts to our results; (15) our investments in technology and the impact to our operations, ability to scale and financial results and (16) our purchase production and product portfolio. These statements are based on management’s current expectations, but are subject to risks and uncertainties, many of which are outside of our control, and could cause future events or results to materially differ from those stated or implied in the forward-looking statements, including: (i) UWM’s dependence on macroeconomic and U.S. residential real estate market conditions, including changes in U.S. monetary policies that affect interest rates; (ii) UWM’s reliance on its warehouse and MSR facilities and the risk of a decrease in the value of the collateral underlying certain of its facilities causing an unanticipated margin call; (iii) UWM’s ability to sell loans in the secondary market; (iv) UWM’s dependence on the government-sponsored entities such as Fannie Mae and Freddie Mac; (v) changes in the GSEs, FHA, USDA and VA guidelines or GSE and Ginnie Mae guarantees; (vi) UWM’s dependence on Independent Mortgage Advisors to originate mortgage loans; (vii) the risk that an increase in the value of the MBS UWM sells in forward markets to hedge its pipeline may result in an unanticipated margin call; (viii) UWM’s inability to continue to grow, or to effectively manage the growth of its loan origination volume; (ix) UWM’s ability to continue to attract and retain its broker relationships; (x) UWM’s ability to implement technological innovation; (xi) the occurrence of a data breach or other failure of UWM’s cybersecurity or information security systems; (xii) the occurrence of data breaches or other cybersecurity failures at our third-party sub-servicers or other third-party vendors; (xiii) UWM’s ability to continue to comply with the complex state and federal laws, regulations or practices applicable to mortgage loan origination and servicing in general; and (xiv) other risks and uncertainties indicated from time to time in our filings with the Securities and Exchange Commission including those under “Risk Factors” therein. We wish to caution readers that certain important factors may have affected and could in the future affect our results and could cause actual results for subsequent periods to differ materially from those expressed in any forward-looking statement made by or on behalf of us. We undertake no obligation to update forward-looking statements to reflect events or circumstances after the date hereof.







5




About UWM Holdings Corporation and United Wholesale Mortgage
Headquartered in Pontiac, Michigan, UWM Holdings Corporation (UWMC) is the publicly traded indirect parent of United Wholesale Mortgage, LLC (“UWM”). UWM is the nation’s largest home mortgage lender, despite exclusively originating mortgage loans through the wholesale channel. UWM has been the largest wholesale mortgage lender for nine consecutive years and is the largest purchase lender in the nation. With a culture of continuous innovation of technology and enhanced client experience, UWM leads the market by building upon its proprietary and exclusively licensed technology platforms, superior service and focused partnership with the independent mortgage broker community. UWM originates primarily conforming and government loans across all 50 states and the District of Columbia. For more information, visit uwm.com or call 800-981-8898. NMLS #3038.
For inquiries regarding UWM, please contact:
INVESTOR CONTACTMEDIA CONTACT
BLAKE KOLONICOLE ROBERTS
InvestorRelations@uwm.comMedia@uwm.com
6




UWM HOLDINGS CORPORATION
CONSOLIDATED BALANCE SHEETS
(in thousands, except shares and per share amounts)

June 30,
2024		December 31,
2023
Assets
(Unaudited)
Cash and cash equivalents$680,153 $497,468 
Mortgage loans at fair value8,236,183 5,449,884 
Derivative assets54,962 33,019 
Investment securities at fair value, pledged105,593 110,352 
Accounts receivable, net516,838 512,070 
Mortgage servicing rights2,650,090 4,026,136 
Premises and equipment, net146,750 146,417 
Operating lease right-of-use asset, net
(includes $95,118 and $97,596 with related parties)
96,474 99,125 
Finance lease right-of-use asset
(includes $23,769 and $24,802 with related parties)
25,061 29,111 
Loans eligible for repurchase from Ginnie Mae279,290 856,856 
Other assets130,247 111,416 
Total assets$12,921,641 $11,871,854 
Liabilities and Equity
Warehouse lines of credit$7,429,591 $4,902,090 
Derivative liabilities26,171 40,781 
Secured line of credit— 750,000 
Borrowings against investment securities 91,406 93,814 
Accounts payable, accrued expenses and other486,138 469,101 
Accrued distributions and dividends payable159,766 159,572 
Senior notes1,990,233 1,988,267 
Operating lease liability
(includes $101,891 and $104,495 with related parties)
103,247 106,024 
Finance lease liability
(includes $25,441 and $26,260 with related parties)
26,787 30,678 
Loans eligible for repurchase from Ginnie Mae279,290 856,856 
Total liabilities10,592,629 9,397,183 
Equity:
Preferred stock, $0.0001 par value - 100,000,000 shares authorized, none issued and outstanding as of June 30, 2024 or December 31, 2023
— — 
Class A common stock, $0.0001 par value - 4,000,000,000 shares authorized, 95,587,806 and 93,654,269 shares issued and outstanding as of June 30, 2024 and December 31, 2023, respectively
10 10 
Class B common stock, $0.0001 par value - 1,700,000,000 shares authorized, none issued and outstanding as of June 30, 2024 or December 31, 2023
— — 
Class C common stock, $0.0001 par value - 1,700,000,000 shares authorized, none issued and outstanding as of June 30, 2024 or December 31, 2023
— — 
Class D common stock, $0.0001 par value - 1,700,000,000 shares authorized, 1,502,069,787 shares issued and outstanding as of June 30, 2024 and December 31, 2023, respectively
150 150 
Additional paid-in capital2,305 1,702 
Retained earnings111,021 110,690 
Non-controlling interest2,215,526 2,362,119 
Total equity2,329,012 2,474,671 
Total liabilities and equity$12,921,641 $11,871,854 

7




UWM HOLDINGS CORPORATION
CONSOLIDATED STATEMENTS OF OPERATIONS
(in thousands, except shares and per share amounts)
(Unaudited)
For the three months ended
June 30,
2024		March 31,
2024		June 30,
2023
Revenue
Loan production income$357,109 $298,954 $280,757 
Loan servicing income143,910 184,702 193,220 
Change in fair value of mortgage servicing rights, net
(115,319)(15,563)24,648 
Interest income121,394 101,863 88,895 
Total revenue, net507,094 569,956 587,520 
Expenses
Salaries, commissions and benefits160,311 154,241 131,380 
Direct loan production costs45,485 31,436 23,618 
Marketing, travel, and entertainment24,438 19,111 21,588 
Depreciation and amortization11,404 11,340 11,441 
General and administrative55,051 40,809 52,691 
Servicing costs25,787 30,324 31,658 
Interest expense108,651 98,668 82,437 
Other expense (income)
(1,105)(237)2,703 
Total expenses430,022 385,692 357,516 
Earnings before income taxes
77,072 184,264 230,004 
Provision for income taxes
786 3,733 1,210 
Net income
76,286 180,531 228,794 
Net income attributable to non-controlling interest
73,236 171,801 221,236 
Net income attributable to UWMC
$3,050 $8,730 $7,558 
Earnings (loss) per share of Class A common stock:
Basic$0.03 $0.09 $0.08 
Diluted$0.03 $0.09 $0.08 
Weighted average shares outstanding:
Basic95,387,609 94,365,991 93,107,133 
Diluted95,387,609 1,598,647,205 93,107,133 





















8




Addendum to Exhibit 99.1

This addendum includes the Company's Consolidated Balance Sheets as of June 30, 2024, and the preceding four quarters and Statements of Operations for the quarter ended June 30, 2024, and the preceding four quarters for purposes of providing historical quarterly trending information to investors.

CONSOLIDATED BALANCE SHEETS
(in thousands, except shares and per share amounts)
June 30,
2024		March 31,
2024		December 31,
2023		September 30,
2023		June 30,
2023
Assets
(Unaudited)
(Unaudited)(Unaudited)
(Unaudited)
Cash and cash equivalents$680,153 $605,639 $497,468 $729,616 $634,576 
Mortgage loans at fair value8,236,183 7,338,135 5,449,884 5,560,039 6,269,924 
Derivative assets54,962 34,050 33,019 92,791 61,407 
Investment securities at fair value, pledged105,593 108,323 110,352 104,526 111,625 
Accounts receivable, net516,838 554,443 512,070 385,922 347,865 
Mortgage servicing rights2,650,090 3,191,803 4,026,136 4,352,219 4,224,207 
Premises and equipment, net146,750 145,265 146,417 146,509 149,515 
Operating lease right-of-use asset, net96,474 97,801 99,125 100,427 101,686 
Finance lease right-of-use asset25,061 26,890 29,111 31,803 34,947 
Loans eligible for repurchase from Ginnie Mae279,290 577,487 856,856 617,490 409,078 
Other assets130,247 117,498 111,416 82,795 81,089 
Total assets$12,921,641 $12,797,334 $11,871,854 $12,204,137 $12,425,919 
Liabilities and Equity
Warehouse lines of credit$7,429,591 $6,681,917 $4,902,090 $5,066,900 $5,732,791 
Derivative liabilities26,171 26,918 40,781 38,882 21,734 
Secured line of credit— 200,000 750,000 500,000 500,000 
Borrowings against investment securities91,406 94,064 93,814 97,328 100,901 
Accounts payable, accrued expenses and other486,138 477,765 469,101 503,890 423,407 
Accrued distributions and dividends payable159,766 159,702 159,572 159,572 159,518 
Senior notes1,990,233 1,989,250 1,988,267 1,987,284 1,986,301 
Operating lease liability103,247 104,637 106,024 107,389 108,711 
Finance lease liability26,787 28,536 30,678 33,291 36,356 
Loans eligible for repurchase from Ginnie Mae279,290 577,487 856,856 617,490 409,078 
Total liabilities10,592,629 10,340,276 9,397,183 9,112,026 9,478,797 
Equity:
Preferred stock, $0.0001 par value - 100,000,000 shares authorized, none issued and outstanding as of each of the periods presented
— — — — 
Class A common stock, $0.0001 par value - 4,000,000,000 shares authorized; shares issued and outstanding - 95,587,806 as of June 30, 2024, 94,945,635 as of March 31, 2024, 93,654,269 as of December 31, 2023, 93,654,269 as of September 30, 2023 and 93,114,878 as of June 30, 2023
10 9 10 10 9 
Class B common stock, $0.0001 par value - 1,700,000,000 shares authorized, none issued and outstanding as of each of the periods presented
— — — — 
Class C common stock, $0.0001 par value - 1,700,000,000 shares authorized, none issued and outstanding as of each of the periods presented
— — — — 
Class D common stock, $0.0001 par value - 1,700,000,000 shares authorized, 1,502,069,787 shares issued and outstanding as of each of the periods presented
150 150 150 150 150 
Additional paid-in capital2,305 2,085 1,702 1,484 1,267 
Retained earnings111,021 111,980 110,690 130,233 120,379 
Non-controlling interest2,215,526 2,342,834 2,362,119 2,960,234 2,825,317 
Total equity2,329,012 2,457,058 2,474,671 3,092,111 2,947,122 
Total liabilities and equity$12,921,641 $12,797,334 $11,871,854 $12,204,137 $12,425,919 

9




CONSOLIDATED STATEMENTS OF OPERATIONS
(in thousands, except shares and per share amounts)
(Unaudited)

For the three months ended
June 30,
2024		March 31,
2024		December 31,
2023		September 30,
2023		June 30,
2023
Revenue
Loan production income$357,109 $298,954 $225,436 $288,930 $280,757 
Loan servicing income143,910 184,702 206,498 200,428 193,220 
Change in fair value of mortgage servicing rights, net(115,319)(15,563)(634,418)92,909 24,648 
Interest income121,394 101,863 87,901 94,849 88,895 
Total revenue, net507,094 569,956 (114,583)677,116 587,520 
Expenses
Salaries, commissions and benefits160,311 154,241 142,515 135,333 131,380 
Direct loan production costs45,485 31,436 27,977 36,184 23,618 
Marketing, travel, and entertainment24,438 19,111 25,600 20,117 21,588 
Depreciation and amortization11,404 11,340 11,472 11,563 11,441 
General and administrative55,051 40,809 38,209 44,904 52,691 
Servicing costs25,787 30,324 29,632 33,640 31,658 
Interest expense108,651 98,668 80,811 93,724 82,437 
Other expense (income)(1,105)(237)(2,391)(76)2,703 
Total expenses430,022 385,692 353,825 375,389 357,516 
Earnings (loss) before income taxes77,072 184,264 (468,408)301,727 230,004 
Provision (benefit) for income taxes786 3,733 (7,452)734 1,210 
Net income (loss)76,286 180,531 (460,956)300,993 228,794 
Net income (loss) attributable to non-controlling interest73,236 171,801 (433,878)282,762 221,236 
Net income (loss) attributable to UWMC$3,050 $8,730 $(27,078)$18,231 $7,558 
Earnings (loss) per share of Class A common stock:
Basic$0.03 $0.09 $(0.29)$0.20 $0.08 
Diluted$0.03 $0.09 $(0.29)$0.15 $0.08 
Weighted average shares outstanding:
Basic95,387,609 94,365,991 93,654,269 93,290,736 93,107,133 
Diluted95,387,609 1,598,647,205 93,654,269 1,596,624,780 93,107,133 
10

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Cover
Aug. 06, 2024
Cover [Abstract]  
Document Type 8-K
Document Period End Date Aug. 06, 2024
Entity Registrant Name UWM Holdings Corporation
Entity Incorporation, State or Country Code DE
Entity File Number 001-39189
Entity Tax Identification Number 82-2124167
Entity Address, Address Line One 585 South Boulevard E.
Entity Address, City or Town Pontiac,
Entity Address, State or Province MI
Entity Address, Postal Zip Code 48341
City Area Code (800
Local Phone Number 981-8898
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Entity Emerging Growth Company false
Entity Central Index Key 0001783398
Document Information [Line Items]  
Document Period End Date Aug. 06, 2024
Amendment Flag false
Class A Common Stock, par value $0.0001 per share  
Document Information [Line Items]  
Title of 12(b) Security Class A Common Stock, par value $0.0001 per share
Trading Symbol UWMC
Security Exchange Name NYSE
Warrants, each warrant exercisable for one share of Class A Common Stock at an exercise price of $11.50  
Document Information [Line Items]  
Title of 12(b) Security Warrants, each warrant exercisable for one share of Class A Common Stock at an exercise price of $11.50
Trading Symbol UWMCWS
Security Exchange Name NYSE
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