UWM Holdings COO Melinda Wilner gets 3,356-share grant

Q: How many RSUs did UWMC COO Melinda Wilner receive?

Melinda Wilner was granted 3,356 restricted stock units on October 30, 2026, under the Team Milestone Program, which is available to all employees under the 2020 Omnibus Incentive Plan. The units were fully vested upon grant on her 15-year anniversary.

Q: Why were 977 UWMC shares withheld from Melinda Wilner?

The company mandatorily withheld 977 shares on October 30, 2026, to meet its minimum withholding obligations under the award agreement. The filing says this was not a sale by Wilner and identifies the transaction as exempt under Rule 16b-3.

Q: Do UWMC RSUs convert into shares one-for-one?

Yes. The RSUs convert to Class A common stock on a one-for-one basis.

The COO's award was fully vested at grant, and the company says the withheld shares met minimum withholding obligations.

Available on EDGAR 11/03/2026 - 05:26 PM EST Accepted by SEC EDGAR 11/03/2026 - 05:25 PM EST

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(Neutral)

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Form Type

Rhea-AI Filing Summary

UWM Holdings Corp EVP and COO Melinda Wilner was granted 3,356 restricted stock units on October 30, 2026, under the Team Milestone Program for her 15-year anniversary; the units were fully vested upon grant. The company withheld 977 shares to meet its minimum withholding obligations, and the filing states this was not a sale. Her reported direct RSU positions include 768,387 and 175,439 underlying Class A shares vesting August 30, 2031, and 29,611 vesting March 1, 2027. Her spouse separately holds 1,000 shares, in which Wilner disclaims pecuniary interest.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Wilner Melinda

Role EVP, COO

Type	Security	Shares	Price	Value
Grant/Award	Class A Common Stock ^F1	3,356	$0.00	$0.00
Tax Withholding	Class A Common Stock ^F2	977	$1.57	$2K
Holding	Restricted Stock Units ^{F4, F5}	--	--	--
Holding	Restricted Stock Units ^{F4, F5}	--	--	--
Holding	Restricted Stock Units ^{F4, F6}	--	--	--
Holding	Class A Common Stock ^F3	--	--	--

Holdings After Transaction: Class A Common Stock — 1,020,314 shares (Direct); Restricted Stock Units — 973,437 contracts (Direct); Class A Common Stock — 1,000 shares (Indirect, See Footnote)

Holdings Before and After: Class A Common Stock, 1,017,935 to 1,020,314 shares (Direct)

Footnotes (6)

F1. Pursuant to the Issuer's Team Milestone Program, which is available to all employees under the 2020 Omnibus Incentive Plan, the reporting person was granted restricted stock units on October 30, 2026 (her 15-year anniversary). The shares were fully vested upon grant.
F2. This transaction is not a sale of shares by the Reporting Person. Instead this reflects shares mandatorily withheld by the Company in accordance with the award agreement to meet the Company's minimum withholding obligations pursuant to a transaction exempt under Rule 16b-3.
F3. The Reporting Person's spouse holds these shares in a separate account. The Reporting Person disclaims pecuniary interest in these shares.
F4. The RSUs convert to Class A Common Stock on a one-for-one basis.
F5. These RSUs vest on August 30, 2031. The RSUs were granted pursuant to the 2020 Omnibus Incentive Plan.
F6. These RSUs vest on March 1, 2027. The RSUs were granted pursuant to the 2020 Omnibus Incentive Plan.

Key Figures

Restricted stock units granted: 3,356 restricted stock units Shares withheld: 977 shares Direct RSU position: 768,387 underlying shares +3 more

6 metrics

Restricted stock units granted 3,356 restricted stock units Granted October 30, 2026; fully vested upon grant

Shares withheld 977 shares Withheld October 30, 2026, to meet minimum withholding obligations

Direct RSU position 768,387 underlying shares Vests August 30, 2031

Direct RSU position 175,439 underlying shares Vests August 30, 2031

Direct RSU position 29,611 underlying shares Vests March 1, 2027

Spouse-held Class A common stock 1,000 shares Held by Wilner's spouse in a separate account; Wilner disclaims pecuniary interest

Key Terms

restricted stock units, Team Milestone Program, 2020 Omnibus Incentive Plan, Rule 16b-3

4 terms

restricted stock units financial

"The RSUs convert to Class A Common Stock on a one-for-one basis"

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

Team Milestone Program technical

"Pursuant to the Issuer's Team Milestone Program"

2020 Omnibus Incentive Plan technical

"available to all employees under the 2020 Omnibus Incentive Plan"

Rule 16b-3 regulatory

"pursuant to a transaction exempt under Rule 16b-3"

Rule 16b-3 is a Securities and Exchange Commission regulation that exempts certain routine, pre-approved transactions by company insiders from automatic liability for short-term trading profits. It acts like a safe harbor: if an insider follows a formal plan or the board approves specific transactions in advance, profits from buying and selling company stock within six months are not automatically reclaimed. Investors care because the rule clarifies when insider trades are permissible and reduces uncertainty about potential clawbacks.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How many RSUs did UWMC COO Melinda Wilner receive?

Melinda Wilner was granted 3,356 restricted stock units on October 30, 2026, under the Team Milestone Program, which is available to all employees under the 2020 Omnibus Incentive Plan. The units were fully vested upon grant on her 15-year anniversary.

Why were 977 UWMC shares withheld from Melinda Wilner?

The company mandatorily withheld 977 shares on October 30, 2026, to meet its minimum withholding obligations under the award agreement. The filing says this was not a sale by Wilner and identifies the transaction as exempt under Rule 16b-3.

Do UWMC RSUs convert into shares one-for-one?

Yes. The RSUs convert to Class A common stock on a one-for-one basis.

AI-generated analysis. How Rhea-AI works. Not financial advice.

Form 4 Insider Transactions: What Each Field Means →

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SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Wilner Melinda

(Last)

(First)

(Middle)

C/O UWM HOLDINGS CORPORATION

585 SOUTH BLVD E

(Street)

PONTIAC

MICHIGAN

48341

(City)

(State)

(Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
UWM Holdings Corp [ UWMC ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director	10% Owner
X	Officer (give title below)	Other (specify below)
	EVP, COO

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
10/30/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Class A Common Stock	10/30/2026		A		3,356⁽¹⁾	A	$0	1,021,291	D
Class A Common Stock	10/30/2026		F		977⁽²⁾	D	$1.57	1,020,314	D
Class A Common Stock								1,000	I	See Footnote⁽³⁾

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
Restricted Stock Units	⁽⁴⁾							⁽⁵⁾	⁽⁵⁾	Class A Common Stock	768,387		768,387	D
Restricted Stock Units	⁽⁴⁾							⁽⁵⁾	⁽⁵⁾	Class A Common Stock	175,439		175,439	D
Restricted Stock Units	⁽⁴⁾							⁽⁶⁾	⁽⁶⁾	Class A Common Stock	29,611		29,611	D

Explanation of Responses:

1. Pursuant to the Issuer's Team Milestone Program, which is available to all employees under the 2020 Omnibus Incentive Plan, the reporting person was granted restricted stock units on October 30, 2026 (her 15-year anniversary). The shares were fully vested upon grant.

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

3. The Reporting Person's spouse holds these shares in a separate account. The Reporting Person disclaims pecuniary interest in these shares.

4. The RSUs convert to Class A Common Stock on a one-for-one basis.

5. These RSUs vest on August 30, 2031. The RSUs were granted pursuant to the 2020 Omnibus Incentive Plan.

6. These RSUs vest on March 1, 2027. The RSUs were granted pursuant to the 2020 Omnibus Incentive Plan.

Remarks:

	/s/ Anthony Valentine, as Attorney-in-Fact for Melinda Wilner	11/03/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

Source: View Original Filing on SEC EDGAR