Full-Time
Mortgage Operations Specialist
Posted on 10/31/2025
United Wholesale Mortgage
5,001-10,000 employees
Wholesale mortgage lender financing brokers' loans
No salary listed
Pontiac, MI, USA
In Person
 Operations & Logistics (2) |
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- High school diploma or equivalent
- No Mortgage experience necessary
- Comfortable with technology (experience using dual monitors)
- Process oriented
- Comfortable talking with clients over the phone
- Ability to multitask and adapt to change
- Positive attitude and willingness to learn
- Strong attention to detail
- Experience in a professional or office setting
- Must be willing to work 8-hour shift Monday – Friday
- Must be on-site attendance in Pontiac, MI
- Entering data
- Splitting and labeling loan packages
- Ordering verifications of income
- Verifying Social Security Numbers
- Indexing of loan conditions
- Ordering and uploading documents
- Loan verification
- Submitting summary report reviews
- Reviewing state and federal compliance
- Handling inbound and outbound calls
United Wholesale Mortgage funds loans for independent mortgage brokers rather than directly to homebuyers, operating as a wholesale lender. Brokers submit loan requests to UWM, which underwrites and funds the loans, then the brokers close the loan with the borrower. UWM grew from a small Michigan operation to the largest wholesale mortgage lender in the United States, helped by CEO Mat Ishbia’s leadership after joining in 2003 and driving rapid expansion. In 2021, UWM went public through a SPAC merger valued at $16.1 billion, boosting capital and visibility for the broker channel. The company differentiates itself by focusing on the broker channel, scale, and speed of funding, aiming to provide efficient, reliable mortgage funding and technology to support independent brokers and their customers.
Company Size
5,001-10,000
Company Stage
IPO
Headquarters
Troy, Michigan
Founded
1986
Simplify's Take
What believers are saying
- Q1 2026 originations hit $44.9B, up 39% YoY on refi surge.
- In-house servicing completes by October 2026, cutting recaptured loan costs.
- Two Harbors acquisition in Q2 2026 boosts capital and liquidity.
What critics are saying
- Rocket Mortgage undercuts UWM's 123bps margins via hybrid broker pricing.
- Mat Ishbia's Q1 2026 share sales exceed $23M, eroding investor trust.
- Refinance collapse post-Fed hikes tanks volumes below 2025's $163.4B.
What makes United Wholesale Mortgage unique
- UWM exclusively underwrites loans for independent brokers, not consumers.
- UWM leads as top U.S. mortgage lender by volume since 2021.
- UWM's proprietary tech platform powers broker-exclusive wholesale channel.
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Benefits
Paid Time Off
Additional parental and maternity leave benefits
Adoption reimbursement program
Paid volunteer hours
Paid training and career development
Medical, dental, vision and life insurance
401k with employer match
Mortgage discount and area business discounts
Free membership to our large, state-of-the-art fitness center
Wellness area
Gourmet cafeteria
Convenience store featuring healthy grab-and-go snacks
In-house Starbucks and Dunkin
Indoor/outdoor café with Wi-Fi
Company News
UWM Holdings Corporation has raised $120 million in Series C funding, though specific investor details were not disclosed in the statement. The mortgage lender criticised TWO's management regarding its acquisition proposal, emphasising its interest in servicing assets rather than operational integration. For Q4 2025, UWM Holdings reported total revenue of $945 million, up from $843 million in Q3, with full-year revenue reaching $3.2 billion—approximately 18.5% year-over-year growth. Adjusted EBITDA exceeded $697 million annually, whilst net income surged to $164.5 million from $12.1 million in the prior quarter. Headquartered in Pontiac, Michigan, UWM Holdings is the parent company of United Wholesale Mortgage, the largest wholesale mortgage originator in the United States. The company was founded in 1986.
UWM Holdings (NYSE: UWMC) EVP gains stock from RSUs and tax withholding. Filing Impact Filing Sentiment Rhea-AI filing summary. UWM Holdings Corp executive Laura Lawson reported equity award activity involving company stock. On February 27, 2026, 10,675 of her Restricted Stock Units vested and automatically converted into an equal number of shares of Class A Common Stock, consistent with the disclosed one-for-one RSU conversion rate. To cover minimum tax withholding obligations under the award agreement, 3,107 of those shares were mandatorily withheld by the company in a transaction exempt under Rule 16b-3, which is not characterized as a sale by Lawson. Following these transactions, she directly held 59,447 shares of Class A Common Stock and continued to hold substantial RSU awards, including grants scheduled to vest on March 1, 2027 and August 30, 2031 under the 2020 Omnibus Incentive Plan. 03/02/2026 - 04:08 PM SEC Form 4 Faq. What insider transactions did UWMC executive Laura Lawson report on this Form 4? Laura Lawson reported RSU vesting that converted 10,675 Restricted Stock Units into Class A Common Stock, plus automatic share withholding to cover taxes. These movements reflect equity compensation mechanics rather than open-market buying or selling of UWM Holdings Corp shares. How many UWM Holdings (UWMC) RSUs vested for Laura Lawson on February 27, 2026? On February 27, 2026, 10,675 of Laura Lawson's Restricted Stock Units vested and settled into an equal number of Class A Common shares. The filing notes RSUs convert to stock on a one-for-one basis as part of her equity compensation package. Did Laura Lawson sell any UWM Holdings (UWMC) shares in this Form 4 filing? The filing states the transaction is not a sale of shares by Laura Lawson. Instead, 3,107 shares were mandatorily withheld by the company to satisfy minimum tax withholding obligations related to the vesting RSUs, under a Rule 16b-3 exempt transaction. How many UWM Holdings (UWMC) Class A shares does Laura Lawson hold after these transactions? After the reported equity award activity, Laura Lawson directly held 59,447 shares of UWM Holdings Class A Common Stock. This figure reflects the RSU conversion on February 27, 2026, net of shares withheld by the company to cover tax obligations on the vesting. What ongoing RSU awards in UWMC stock does Laura Lawson hold after this Form 4? The filing shows Laura Lawson continues to hold multiple Restricted Stock Unit awards in UWM Holdings. Footnotes highlight RSU grants scheduled to vest on March 1, 2027 and August 30, 2031, all issued under the company's 2020 Omnibus Incentive Plan. How are Laura Lawson's UWM RSUs converted into Class A Common Stock? The RSUs convert into UWM Class A Common Stock on a one-for-one basis, according to the filing footnotes. When vesting occurs, each vested RSU delivers one share, subject to mandatory share withholding to satisfy the company's minimum tax obligations under the award agreement.
Mat Ishbia, CEO of UWM Holdings Corporation, sold 1,898,622 Class A Common shares through open-market transactions between 13 and 18 February 2026, for approximately $9.28 million. The sale was executed indirectly via SFS Corp., which converted UWM Paired Interests into Class A Common Stock. Ishbia has been selling shares frequently since December 2025, though he regained substantial holdings in February through vesting stock units. The shares sold represent slightly above his recent median sell trade size of 1,789,068 shares. UWM's stock fell approximately 25% in 2025. However, the company reported strong fourth-quarter results in February 2026, surpassing $1 billion in revenue for the first time since early 2021. UWM is also finalising its acquisition of Two Harbors Investment Corp., expected to complete in the second quarter of 2026.
UWM Holdings CEO Mat Ishbia sold 1,265,748 shares through indirect holdings on 3 and 4 February for approximately $6.5 million. All shares were sold from SFS Corp, an entity fully controlled by Ishbia. The sale continues a pattern of frequent share sales since December 2025, when Ishbia held 9.85 million indirect shares. He now holds nearly half that amount. UWM's stock fell approximately 25% during 2025. However, UWM reported strong Q4 2025 earnings on 25 February, exceeding $1 billion in revenue for the first time since Q1 2021, representing a 300% year-over-year increase. The company is finalising its acquisition of Two Harbors Investment Corp, expected to complete in Q2 2026.
UWM Holdings Corporation reported $163.4 billion in originations for 2025, marking its fourth consecutive year as America's top overall lender through its broker-only model. Net income was impacted by a $435 million mortgage servicing rights write-down for the full year, including $28.8 million in the fourth quarter. The company is positioning its pending Two Harbors acquisition as a strategic move to improve capital, liquidity and leverage ratios. UWM has transitioned servicing operations in-house to reduce costs per recaptured loan whilst enhancing consumer experience. Looking ahead, management expects tailwinds from federal housing affordability initiatives and lower interest rates. The completion of the Two Harbors acquisition and in-house servicing transition are anticipated to accelerate broker channel growth in 2026.