I led the design of a scalable Digital 1003 co-borrower experience that helped applicants and loan officers add, organize, and manage borrower pairs more clearly within the mortgage application flow.
The existing borrower flow did not fully support the complexity of mortgage applications involving multiple borrowers. Loan officers and applicants needed a clearer way to add co-borrowers, organize borrower relationships, and manage borrower pairs without creating confusion or compliance risk.
Role: Senior UX Designer
Timeline: 3 months
Product: Digital 1003 Mortgage Application
Platform: Web (Internal Tool)
By simplifying complex multi-borrower workflows, the redesign supported a more efficient application experience. Post-launch reporting showed stronger application productivity, lock volume, and lead-to-lock conversion across the broader Origins platform.
The Managing Borrowers redesign reduced complexity within multi-borrower applications. Following the larger Origins rollout, operational reporting showed stronger application productivity, lock activity, and conversion across the lending funnel.
+58%
Lead-to-fund
+66%
Locks per day
+30%
Lead-to-lock
+55%
Applications/day
understanding employee workflows, pain points, and technical needs to build tools that increase efficiency and adoption,
To understand the complexity of the feature, I reviewed the existing application flow, mapped borrower scenarios, and worked with product and mortgage stakeholders to identify key requirements. A major focus was understanding how borrower relationships needed to be represented both visually in the product and structurally in the application data.
To better understand how multi-borrower scenarios are handled across the mortgage application space, I reviewed Encompass, Blend, Zinc, and Bankrate. The goal was not to copy an existing pattern, but to identify how other platforms introduced borrower information, explained co-borrower responsibilities, and supported more complex application structures.
Encompass
Bankrate
Zinc Solutions
Here is where I focused on progressive disclosure, clear hierarchy, and repeatable patterns.
My goal was to improve the overall user experience by making the platform more intuitive, efficient, and scalable. I focused on creating clearer workflows, stronger visual hierarchy, and a structure that could better support future Digital 1003 needs.
Here is where I focused on progressive disclosure, clear hierarchy, and repeatable patterns.
During early exploration, I tested different ways to represent borrower relationships, including list-based structures, grouped cards, and step-based flows. The design needed to make complex borrower logic feel simple without hiding important details from loan officers.
Single borrower adds one co-borrower
Married couple applying together
Multiple co-borrowers on one loan
Two borrower pairs within the same application
Loan officer reviews and edits borrower details
Borrower information needs to flow into AUS/compliance systems
Here is where I focused on progressive disclosure, clear hierarchy, and repeatable patterns.
The next phase would focus on validating the experience with loan officers and operations teams using realistic borrower scenarios. I would measure task completion, setup errors, and the time required to add co-borrowers, create borrower pairs, and assign vesting types. These findings would help identify opportunities to refine the workflow before expanding it across the broader digital 1003 application.
I would explore quick actions for editing or reorganizing borrower pairs. I would also introduce learning resources or tooltips to help new users understand vesting types and complex borrower structures without interrupting the primary workflow.