X0202 SCHEDULE 13G 0001869719 XXXXXXXX LIVE Class A Common Stock, par value $0.0001 per share 09/24/2026 0001783398 UWM Holdings Corp 91823B109 585 South Boulevard E. Pontiac MI 48341 Rule 13d-1(c) OCO Capital GP LLC DE 22000000 0 22000000 0 22000000 6.43 OO Based on 342,349,795 shares of Common Stock reported to be outstanding on the Issuer's Quarterly Report on Form 10-Q filed on August 7, 2026. UWM Holdings Corp 585 South Boulevard E., Pontiac, Michigan 48341 This statement is filed on behalf of OCO Capital GP LLC (the "Reporting Person"). The Reporting Person is the general partner of OCO Capital GP LP ("GP"), a limited partnership organized under the laws of the State of Delaware. GP is the general partner of OCO Opportunities Master Fund, L.P. ("OCO Opportunities"), a limited partnership organized under the laws of the State of Delaware. OCO Opportunities is a private investment fund engaged in the purchase and sale of securities for investment. The principal business address of OCO Opportunities is 410 Park Ave. Suite 730, New York, NY 10022. 410 Park Ave. Suite 730, New York, NY 10022 Delaware Y The Reporting Person may be deemed the beneficial owner of 22,000,000 Shares, which constitutes approximately 6.43% of the total number of Shares outstanding. The Reporting Person's beneficial ownership consists of 22,000,000 Shares owned by OCO Opportunities. 6.43% 22,000,000 0 22,000,000 0 Y Y Y Y Y N By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under § 240.14a-11. OCO Capital GP LLC /s/ Samuel Martini 09/29/2026