Full-Time

Machine Learning Engineer

Posted on 11/12/2025

Deadline 11/13/25
United Wholesale Mortgage

United Wholesale Mortgage

5,001-10,000 employees

Wholesale mortgage lender financing brokers' loans

No salary listed

Pontiac, MI, USA

In Person

Category
AI & Machine Learning (2)
,
Required Skills
Python
Data Science
Tensorflow
Keras
Pytorch
Machine Learning
DevOps
Data Analysis
Requirements
  • Master’s degree in Computer Science, Data Science, Engineering, or related field (or Bachelor’s degree with relevant work experience in Machine Learning/ Data Science)
  • 5+ years of machine learning experience with some exposure to production ML systems and project ownership
  • Strong foundation in ML algorithms, statistical modeling, and at least one deep learning framework
  • Basic experience with natural language processing techniques for text analysis
  • Experience selecting appropriate techniques for business problems and handling common data challenges
  • Proficient in Python programming with experience in production-oriented code development
  • Familiarity with software engineering best practices, DevOps principles, and code quality principles
  • Experience in using any one of the major Cloud ML frameworks (Azure ML Studio, Vertex AI, Amazon SageMaker) for model training and deployment
  • Experience with model deployment to production environments, including basic knowledge of model serving, API development, containerization, and deployment pipelines
  • Demonstrated ability to work on complex technical problems with guidance and increasing independence
  • Good communication skills with the ability to explain technical concepts to different audiences and collaborate effectively in cross-functional teams
  • Eagerness to learn about mortgage industry processes, regulations, and business metrics. Adaptability to new technologies and methodologies
Responsibilities
  • Design and implement ML solutions for mortgage challenges by following established architectural guidelines while contributing to technical decision-making and solution design
  • Lead or significantly contribute to complex projects from conception to deployment, increasing ownership of technical decisions. Collaborate with senior engineers on project scope, success metrics, and technical approach
  • Analyze mortgage business processes and identify opportunities for ML improvement. Work with business stakeholders to translate requirements into technical solutions and provide data-driven recommendations
  • Develop ML approaches from basic ML models, ensemble methods to deep learning architectures and natural language processing for document analysis - “Use the right tool for the right job”
  • Implement model interpretability techniques to support regulatory compliance and business communication
  • Build robust, scalable MLOps pipelines with proper testing, monitoring, and governance. Implement good coding practices including error handling, logging, and appropriate testing strategies for production mortgage applications
  • Work closely with senior team members and other teams/SMEs across the organization while mentoring junior engineers as opportunities arise
  • Participate in technical discussions, code reviews, and best practice development across the team
  • Apply understanding of mortgage processes, regulations, and risk factors to inform ML model design and feature engineering. Learn and adapt to regulatory requirements and compliance standards
Desired Qualifications
  • Financial Services: Previous experience in mortgage lending, banking, or financial services
  • Advanced ML: Experience with different Model deployment patterns, advanced NLP techniques, as well as transfer learning and fine-tuning
  • MLOps: Experience with model deployment, versioning, monitoring practices, and production model lifecycle management
  • Cloud & Scale: Experience with cloud-native scalable development of ML models
  • Business Impact: Examples of translating business problems into successful ML solutions
  • Quality Practices: Experience with comprehensive testing, monitoring, and production ML system maintenance
United Wholesale Mortgage

United Wholesale Mortgage

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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 Jobs

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

Yahoo Finance
Apr 8th, 2026
UWM Holdings targets TWO's servicing assets, reports $3.2B revenue and 18.5% growth

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.

Stock Titan
Mar 2nd, 2026
UWM Holdings (NYSE: UWMC) EVP gains stock from RSUs and tax withholding

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.

Yahoo Finance
Mar 1st, 2026
UWM Holdings CEO sells 1.9M shares for $9.3M amid 25% stock decline in 2025

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.

Yahoo Finance
Mar 1st, 2026
UWM Holdings CEO sells 1.27M shares for $6.5M amid stock underperformance

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.

Yahoo Finance
Feb 25th, 2026
UWM posts $163.4B in originations as top US lender despite $435M MSR write-down

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.

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