STOCK TITAN

UWM Holdings Corp (NYSE: UWMC) CEO-linked entity acquires 30M warrants

(Neutral)
(Neutral)
Form Type
4

Rhea-AI Filing Summary

UWM Holdings Corp disclosed that SFS Group Capital, LLC, an entity managed by CEO Mat Ishbia, acquired 15,000,000 Class A Warrants at a $6.00 exercise price and 15,000,000 Class B Warrants at $2.00, each for Class A common stock and expiring August 5, 2036.

The warrants were issued with SFS Capital’s purchase of 150,000 Series A-1 Preferred shares at $1,000 per share under an August 5, 2026 Securities Purchase Agreement and are not exercisable until stockholders approve their exercise under New York Stock Exchange rules. Ishbia also directly holds 408,131 Class A shares.

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Insider Mat Ishbia, SFS HOLDING CORP
Role President and CEO | 10% Owner
Type Security Shares Price Value
Grant/Award Class A Warrants (right to buy) F3, F2, F4 15,000,000 $0.00 $0.00
Grant/Award Class B Warrants (right to buy) F3, F2, F4 15,000,000 $0.00 $0.00
holding Class A Common Stock F1 -- -- --
Holdings After Transaction: Class A Warrants (right to buy) — 15,000,000 shares (Indirect, See Footnote); Class B Warrants (right to buy) — 15,000,000 shares (Indirect, See Footnote); Class A Common Stock — 408,131 shares (Direct)
Footnotes (4)
  1. F1. These shares are held directly by Mat Ishbia and SFS Corp. has no interests in these shares.
  2. F2. The Class A Warrants and the Class B Warrants are not exercisable until the Issuer obtains stockholder approval of the exercise of such Warrants pursuant to the rules of the New York Stock Exchange
  3. F3. Pursuant to a Securities Purchase Agreement dated as of August 5, 2026, by and among the Issuer, certain funds or investment vehicles advised, managed by, or otherwise affiliated with Oaktree Capital Management, L.P.,, Mat Ishbia, SFS Holding Corp. and SFS Group Capital, LLC ("SFS Capital"), SFS Capital purchased 150,000 shares of Series A-1 Preferred Stock of the Issuer with an issue price of $1,000 per share, together with Class A Warrants and Class B Warrants, each to purchase 15,000,000 shares of the Company's Class A Common Stock, for an aggregate purchase price of $1,500,000.
  4. F4. These securities are held directly by SFS Capital, and indirectly by Mat Ishbia. Mat Ishbia is the manager and beneficially owns 75% of the equity interests in SFS Capital. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Capital may be deemed to be a director by deputization.
Class A Warrants acquired 15,000,000 warrants Right to buy Class A Common Stock at $6.0000 per share; expires August 5, 2036
Class B Warrants acquired 15,000,000 warrants Right to buy Class A Common Stock at $2.0000 per share; expires August 5, 2036
Series A-1 Preferred Stock purchased 150,000 shares Purchased by SFS Group Capital, LLC under Securities Purchase Agreement dated August 5, 2026
Issue price per Series A-1 Preferred share $1,000 Issue price stated for Series A-1 Preferred Stock in the August 5, 2026 agreement
Aggregate purchase price $1,500,000 Aggregate purchase price for Series A-1 Preferred Stock and accompanying warrants as disclosed
Direct Class A Common holdings 408,131 shares Class A Common Stock directly held by Mat Ishbia following the reported transactions
Class A Warrants financial
"The Class A Warrants and the Class B Warrants are not exercisable until..."
Series A-1 Preferred Stock financial
"SFS Capital purchased 150,000 shares of Series A-1 Preferred Stock of the Issuer..."
Series A-1 preferred stock is a specific class of company shares created in an early financing round that typically gives its holders priority over common shareholders for dividends and money if the company is sold or liquidates. Think of it as a special ticket with upfront privileges — often convertible into ordinary shares and sometimes carrying voting or protective rights — so investors use it to reduce risk and preserve control compared with ordinary stock.
Securities Purchase Agreement financial
"Pursuant to a Securities Purchase Agreement dated as of August 5, 2026..."
A securities purchase agreement is a written contract between a buyer and a seller outlining the terms for buying or selling financial assets such as stocks or bonds. It specifies details like the price, quantity, and conditions of the transaction, similar to a shopping list with agreed-upon terms. For investors, it provides clarity and legal protection when transferring ownership of these financial instruments.
beneficially owns financial
"Mat Ishbia is the manager and beneficially owns 75% of the equity interests in SFS Capital."
Beneficially owns means a person or entity enjoys the economic benefits and control of a security even if the legal title or registration is held in another name. Think of it like having the keys and profits from a car that is registered to a friend: you use it, benefit from it, and make decisions about it even though the official paperwork lists someone else. For investors, this matters because it reveals who truly controls shares, affects voting power, potential conflicts of interest, and regulatory disclosure obligations.

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

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FAQ

What warrants did Mat Ishbia’s affiliate acquire in UWMC on August 5, 2026?

Mat Ishbia’s affiliated entity SFS Group Capital, LLC acquired 15,000,000 Class A Warrants with a $6.00 exercise price and 15,000,000 Class B Warrants with a $2.00 exercise price, each to purchase UWM Holdings (UWMC) Class A common shares, expiring on August 5, 2036.

How are the new UWMC warrants conditioned on stockholder approval?

The Class A and Class B Warrants for UWM Holdings (UWMC) are not exercisable until stockholders approve their exercise under New York Stock Exchange rules. The company must first obtain this stockholder approval before SFS Capital can use the warrants to buy Class A common stock.

What preferred stock did SFS Capital purchase from UWMC under the August 5, 2026 agreement?

Under an August 5, 2026 Securities Purchase Agreement, SFS Group Capital, LLC bought 150,000 shares of UWMC’s Series A-1 Preferred Stock at an issue price of $1,000 per share, together with the Class A and Class B Warrants, for an aggregate purchase price of $1,500,000.

How many UWMC Class A shares does Mat Ishbia directly hold after these transactions?

After the reported transactions, Mat Ishbia directly holds 408,131 shares of UWMC Class A common stock. A footnote clarifies these shares are held directly by Ishbia and that SFS Holding Corp. has no interest in this block of Class A shares.

Were the reported UWMC transactions made under a Rule 10b5-1 trading plan?

The Form 4 for UWM Holdings (UWMC) indicates the Rule 10b5-1 affirmation box is not checked. This means the acquisitions of Series A-1 Preferred Stock and the accompanying warrants are not identified as trades made pursuant to a pre-arranged Rule 10b5-1 trading plan.
SEC Form 4
FORM 4UNITED 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*
Mat Ishbia

(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)
XDirectorX10% Owner
XOfficer (give title below)Other (specify below)
President and CEO
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
08/05/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
Form filed by One Reporting Person
XForm 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)
CodeVAmount(A) or (D)Price
Class A Common Stock408,131D(1)
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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Class A Warrants (right to buy)$608/05/2026A15,000,000 (2)08/05/2036Class A Common Stock15,000,000$0(3)15,000,000ISee Footnote(4)
Class B Warrants (right to buy)$208/05/2026A15,000,000 (2)08/05/2036Class A Common Stock15,000,000$0(3)15,000,000ISee Footnote(4)
1. Name and Address of Reporting Person*
Mat Ishbia

(Last)(First)(Middle)
C/O UWM HOLDINGS CORPORATION
585 SOUTH BLVD E

(Street)
PONTIAC MICHIGAN 48341

(City)(State)(Zip)

UNITED STATES

(Country)

Relationship of Reporting Person(s) to Issuer
XDirectorX10% Owner
XOfficer (give title below)Other (specify below)
President and CEO
1. Name and Address of Reporting Person*
SFS HOLDING CORP

(Last)(First)(Middle)
C/O UWM HOLDINGS CORPORATION
585 SOUTH BLVD E

(Street)
PONTIAC MICHIGAN 48341

(City)(State)(Zip)

UNITED STATES

(Country)

Relationship of Reporting Person(s) to Issuer
DirectorX10% Owner
Officer (give title below)Other (specify below)
Explanation of Responses:
1. These shares are held directly by Mat Ishbia and SFS Corp. has no interests in these shares.
2. The Class A Warrants and the Class B Warrants are not exercisable until the Issuer obtains stockholder approval of the exercise of such Warrants pursuant to the rules of the New York Stock Exchange
3. Pursuant to a Securities Purchase Agreement dated as of August 5, 2026, by and among the Issuer, certain funds or investment vehicles advised, managed by, or otherwise affiliated with Oaktree Capital Management, L.P.,, Mat Ishbia, SFS Holding Corp. and SFS Group Capital, LLC ("SFS Capital"), SFS Capital purchased 150,000 shares of Series A-1 Preferred Stock of the Issuer with an issue price of $1,000 per share, together with Class A Warrants and Class B Warrants, each to purchase 15,000,000 shares of the Company's Class A Common Stock, for an aggregate purchase price of $1,500,000.
4. These securities are held directly by SFS Capital, and indirectly by Mat Ishbia. Mat Ishbia is the manager and beneficially owns 75% of the equity interests in SFS Capital. By virtue of its relationship with Mat Ishbia, a director and the CEO of the Issuer, SFS Capital may be deemed to be a director by deputization.
Remarks:
/s/ Mat Ishbia08/07/2026
/s/ Mat Ishbia, CEO, for SFS Holding Corp.08/07/2026
** Signature of Reporting PersonDate
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)