2022 HW Tech Trendsetter: Mark Kulak


Mark Kulak, senior vice president of application development at United Wholesale Mortgage (UWM), has worked to create a collaborative, team-driven environment that allows innovation to flourish. Kulak has been a key leader in delivering several groundbreaking technical solutions and focuses on making sure the IT team stays centered on defining and building the right solutions at the right time, to advance UWM’s business goals.

Over the past 12 months, Kulak has led the creation and launch of BOLT, a software that allows clients to get from initial submission to approval in just 15 minutes. The product required cutting-edge technology to let clients move through the initial loan underwrite independently. With the current market swinging from a refi-boom to a purchase-heavy market, Kulak’s team worked closely with its business teams to enhance its HELOC offerings. Being a new mortgage product, it required an entirely new technology system and associated business processes to be created on an accelerated time schedule.


Mark Kulak


Senior Vice President of Application Development

Company Name:

United Wholesale Mortgage

3d rendering of a row of luxury townhouses along a street

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