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( Mark One ) ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 OR ☐ UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 FORM 10 - K TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM ΤΟ Commission File Number : 001-39189 Title of each class Class A Common Stock Warrants UWM HOLDINGS CORPORATION ( Exact name of registrant as specified in its Charter ) Large accelerated filer Non - accelerated filer Delaware ( State or other jurisdiction of incorporation or organization ) 585 South Boulevard E. Pontiac , MI ( Address of principal executive offices ) ( 800 ) 981-8898 ( Registrant's telephone number , including area code ) Securities registered pursuant to Section 12 ( b ) of the Act : Trading Symbols UWMC UWMCWS 84-2124167 ( I.R.S. Employer Identification No. ) 0 X 48341 ( Zip Code ) Securities registered pursuant to Section 12 ( g ) of the Act : None Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . YES NO Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or 15 ( d ) of the Act . YES NO 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 the preceding 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 90 days . YES □ NO É Name of each exchange on which registered New York Stock Exchange New York Stock Exchange Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted 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 registrant was required to submit such files ) . YES NO Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company or an emerging growth company . ( See definitions of " large accelerated filer , " " accelerated filer , " " smaller reporting company " and " emerging growth company " in Rule 12b - 2 of the Exchange Act ) . 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 revised financial accounting standards provided pursuant to Section 13 ( a ) of the Exchange Act . Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by registered public accounting firm that prepared or issued its audit report . Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Exchange Act ) . YES NO As of June 30 , 2020 , the aggregate market value of Class A common stock held by non - affiliates of the registrant ( based upon the closing sale prices of such shares on the Nasdaq Stock Market on June 30 , 2020 ) was approximately $ 428.0 million . ( Does not include shares issuable upon exercise of warrants ) . X As of March 18 , 2021 , subsequent to the consummation of our business combination , the aggregate market value of Class A common stock held by non - affiliates of the registrant ( based upon the closing sale price of such shares on the New York Stock Exchange on March 18 , 2021 ) was approximately $ 848 million . ( Does not include shares issuable upon exercise of warrants or conversion of UWM Exchange Units ) . As of March 18 , 2021 , there were 103,104,205 shares of the Company's Class A common stock , par value $ 0.0001 per share issued and outstanding . i