Client: vLoan

Mortgage Lending Platform

Incubated inside of a national mortgage bank, vLoan is a mortgage lending platform for a new type of borrower, millennials.

The Challenge

Borrowers traditionally rely on bankers and realtors to educate them through the process of getting a mortgage.  Not so with millennials, who prefer to do things on their own.  Our challenge was to build an intuitive self-service lending platform for this audience.


Our Process

As a new company, vLoan relied on The Refinery to wear many hats.  We worked through product conception, ideation and market feedback in a strategy session with a specialized mortgage consultant, MortgageCTO, to vet concepts and innovative new user interface concepts.

As the project progressed, we helped staff an internal development team to handle the backend loan origination system, while The Refinery focused on the user interface and marketing website.

The Results

“The Refinery is a firm full of gifted and passionate user experience experts. They represent the end user well and strike a great balance between product perfection and the reality of time and budget constraints.”

The first month after launching, the new product moved more than $60 million in new mortgages.  That number continued to increase month over month, as more was invested into marketing and advertising.  It has proven to be a product which disrupts the lending process by traditional banks.

The product we designed and created was successful at scale.  Through continuous refinement, we made further usability and marketing updates to the website to increase conversion rates and to add additional features over time.

Tools Used

  • API
  • Database
  • Javascript
  • Responsive
  • Ruby
  • System Integration
  • Testing
  • User Interface Design
  • Information Architecture
  • Personas
  • Prototyping
  • Research
  • Sketching
  • Wireframes
  • Launch
  • Requirements
  • Strategy