Empowering borrowers and loan teams to move from application to submission with clarity
0 -> 1 Product Design • Design System • Shipped
Empowering borrowers and loan teams to move from application to submission with clarity
0 -> 1 Product Design • Design System • Shipped
*Please note that due to NDA restrictions of upcoming unreleased features, the full experience cannot be shown here. Please contact me for a complete demonstration.
*Please note that due to NDA restrictions of upcoming unreleased features, the full experience cannot be shown here. Please contact me for a complete demonstration.
Product
Orava Beta
An AI-assisted mortgage platform that connects borrowers and loan teams from application to lender-ready submission. Orava brings the fragmented loan process into one coordinated workflow.
Details
My Role
Lead Product Designer
Surface
Web-based tools
Timeline
Dec 2025 - Present
Team
CEO • 2 Designers • 4 Engineers
Problem
Fragmented Loan Preparation
Disconnected tools, manual calculations, and document follow-ups take loan officers’ time away from supporting borrowers and closing deals.
Solution
One Connected Workflow
I designed a shared workflow that connects borrowers and loan teams throughout the mortgage preparation process.
Result
A Clearer Path to Submission
Orava gives everyone greater visibility and confidence in moving each loan toward lender-ready submission.
Impact
From 1003 fields mapped to MISMO
Application Data Continuity
100%
Pre-qualification through export
Unified Stages
5
One for LOs and one for borrowers
Connected Experiences
2 -> 1
Product
Orava Beta
An AI-assisted mortgage platform that connects borrowers and loan teams from application to lender-ready submission. Orava brings the fragmented loan process into one coordinated workflow.
Details
My Role
Lead Product Designer
Surface
Web-based tools
Timeline
Dec 2025 - Present
Team
CEO • 2 Designers • 4 Engineers
Problem
Fragmented Loan Preparation
Disconnected tools, manual calculations, and document follow-ups take loan officers’ time away from supporting borrowers and closing deals.
Solution
One Connected Workflow
I designed a shared workflow that connects borrowers and loan teams throughout the mortgage preparation process.
Result
A Clearer Path to Submission
Orava gives everyone greater visibility and confidence in moving each loan toward lender-ready submission.
Impact
From 1003 fields mapped to MISMO
Application Data Continuity
100%
Pre-qualification through export
Unified Stages
5
One for LOs and one for borrowers
Connected Experiences
2 -> 1
OVERVIEW
✧ About Orava
From borrower information to a file ready for the next step.
Borrower submission is the beginning of the loan officer’s work. Officers still need to review the application, assess supporting documents, work through income calculations, and prepare the file for export.
My focus was designing that operational workflow: helping loan officers understand the information in front of them, what needs attention, and what they can do next.
✧ My Role
Owned the loan-officer experience
I translate mortgage requirements, existing tools, paperwork, and income worksheets into workflows for application review and loan preparation. I work closely with our SME and engineering team to clarify requirements, discuss constraints, and refine the designs.
I also collaborate with the designer who owns the borrower experience to connect borrower submissions with loan-officer review.
RESEARCH & DISCOVERY
✧Discovery
Understanding how loan officers prepare a loan application.
I investigated how officers review borrower information, work through income and supporting documents, and prepare applications for submission. The research focused on handoffs, manual steps, and the information needed at each stage.
15 Interviews
Spoke with loan officers and internal stakeholders to understand daily workflows, operational challenges, and existing processes.
5 Workflow Observations
Observed how information moved between borrowers, loan officers, and review tasks to identify friction and coordination gaps.
5 Mortgage Stages Mapped
Mapped the journey from pre-qualification to MISMO export, identifying handoffs, dependencies, and manual steps.
30+ Artifacts Reviewed
Reviewed existing tools, application paperwork, spreadsheets, and income worksheets to understand how loan information is collected and prepared.
Key Insights:
Many operational challenges began before underwriting, when borrower information, supporting documents, and preparation tasks needed to come together for loan-officer review.
✧ Workflow Mapping
Too much time preparing loans, little time moving them forward
Research revealed how much of a loan officer’s day goes into chasing documents, following up on missing information, and working through manual calculations. These tasks take time away from helping borrowers and moving deals toward closing.
Mapping the mortgage process helped identify where this administrative work accumulated, particularly during document collection and loan preparation.
Design Focus:
I focused on connecting application review, document tracking, income workflows, and MISMO export readiness to reduce repetitive preparation work and help loan officers move files forward.
STRATEGY
✧ Connected Workflows
Connecting borrower submissions with loan-officer review
Orava connects a borrower portal with a loan-officer workspace. Borrowers submit application information and supporting documents; loan officers use that information to review and prepare the loan file.
✧ Design Strategy
Reduce admin work so loan officers can move loans forward.
My design focus was to bring application information, documents, and income workflows into a connected LO workspace. The aim was to reduce the effort spent piecing together a file and make outstanding requirements easier to identify.
Centralized Application Review
Organize borrower-submitted information around the 1003 so officers can review it within the loan workspace.
Support Income Assessment
Translate income worksheets and supporting-document requirements into structured workflows, with loan-officer review and confirmation.
Make Readiness Visible
Connect missing information and outstanding documents to MISMO export availability, so incomplete requirements prevent export.
✧ Exploring Directions
Bringing coordination and assistance into the loan-officer workflow
I explored 3 directions for addressing the manual work and coordination involved in loan preparation.
3 Concepts Explored:
Workflow Command Center
Bring loan information, documents, and outstanding tasks into one workspace.
AI Mortgage Assistant
Assist with document analysis and review while keeping loan officers in control of decisions.
Connected Collaboration Platform
Connect borrower submissions with the information and documents officers need to prepare a loan.
Selected Direction:
A connected workflow provided the foundation: borrower information feeds into the LO workspace, where centralized review and AI assistance support preparation.
SOLUTIONS
✴︎ Loan Officer Experience
Connecting the work of preparing a loan
I designed the loan-officer workspace to support the work from application review through MISMO export.
Dashboard
“Needs Your Attention” surfaces overdue tasks, upcoming deadlines, follow-ups, and items awaiting review, with actions beside each item. Pipeline summaries, loan performance, and mortgage rates provide additional context.
Pipeline
A dedicated application list brings borrower names, loan amounts, lenders, and stages together, helping officers scan their pipeline and find the loan they need to work on.
Loan Overview
Brings borrower and co-borrower details, property information, qualification metrics, action items, and transaction contacts together to help officers understand the loan and outstanding work.
Application Review
Organizes borrower-submitted information into sections aligned with the 1003. Section navigation helps officers locate specific details, while editing controls and a 1003 preview support application review.
Documents & MISMO Export
The Documents tab shows missing information and outstanding borrower documents, helping officers identify what still needs to be collected.
I connected these readiness checks to the MISMO export action at the top of the workspace. The button remains disabled while required information or documents are missing.
Income Calculation
I translated income worksheets and mortgage requirements into workflows for wage earner income, rental income, royalties, self-employment, and other income.
Each group accommodates its own inputs and subcategories. For example, wage earner income includes base salary, overtime, bonus, and commission.
For other-income verification, I designed comparisons between borrower-reported amounts and AI-extracted document values. Match, discrepancy, and missing-document states distinguish the system’s findings from the loan officer’s confirmation.
Supporting Workflows
Scenario Desk
I designed a dedicated space for loan officers to submit mortgage scenario questions and track responses.
CRM
designing contact management and email workflows, connecting recipient selection, template customization, and final review. Inline AI assistance lets officers describe changes while viewing the email they are editing.
✴︎ Borrower Experience
Connecting borrower submissions to LO review
The borrower experience collects 1003 application information and supporting documents that feed into the loan-officer workspace.
I collaborated with the designer who owns this experience to connect borrower submissions with the LO review workflow.
VALIDATION & ITERATION
✧ Iterations
Refining workflows through stakeholder feedback and usability reviews.
I reviewed workflows with our SME and internal loan officers to clarify mortgage requirements, and worked with engineering to discuss constraints and refine implementation details.
✧ Design Trade-offs
Balancing efficiency, detail, and control
Reducing manual work meant deciding where the system could assist and where loan officers still needed visibility and control.
AI Assistance & Human Review
AI compares extracted document values with borrower-reported income. I kept those results separate from LO confirmation so a match would not be mistaken for a completed review.
Flexible Review & Export Requirements
Officers can review the application while requirements remain outstanding. MISMO export stays disabled until the required information and documents are complete.
OUTCOME
✴︎ Outcome
A connected loan-officer workspace
Orava brings pipeline management, loan overview, application review, and income-calculation workflows into one connected workspace.
Together, these are designed to reduce manual preparation and document chasing so loan officers have more time to support borrowers and close loans.
Borrower Experience
Guides borrowers through onboarding, pre-qualification, document uploads, and loan preparation through a step-by-step flow.
Loan Officer Experience
Supports loan review, verification, underwriting preparation, and workflow coordination through a centralized operational workspace.
Borrower Experience
Guides borrowers through onboarding, pre-qualification, document uploads, and loan preparation through a step-by-step flow.
Loan Officer Experience
Supports loan review, verification, underwriting preparation, and workflow coordination through a centralized operational workspace.
Borrower Experience
Guides borrowers through onboarding, pre-qualification, and loan preparation.
Loan Officer Experience
Streamlines underwriting preparation, loan operations, and communication.
✧ Success Metrics
Measuring whether the workflow reduces admin work.
Less document chasing
Track time spent following up on missing information and documents.
Faster loan prep
Measure time spent reviewing applications, assessing income, and preparing files for export.
Clearer next steps
Assess whether officers can identify outstanding requirements and the actions needed to move a loan forward.
REFLECTIONS
✧ Learnings
Understanding the lifecycle before designing the workflow
Learn Operational Details
Reviewing mortgage paperwork and income worksheets helped me understand the requirements behind each screen and design around the work officers actually do.
Design Across Handoffs
The LO experience depends on what borrowers submit. Collaborating with the borrower-experience designer helped connect information collection with application review.
Make Automation Reviewable
AI assistance needs clear results, supporting evidence, and a distinct human-confirmation step so officers understand what still requires their judgment.
Empowering borrowers and loan teams to move from application to submission with clarity
Helping borrowers and loan teams move from application to submission with clarity
Empowering borrowers and loan teams to move from application to submission with clarity
0 -> 1 Product Design • Design System • Shipped
0 -> 1 Product Design • Design System • Shipped
0 -> 1 Product Design • Design System • Shipped
*Some unreleased features are omitted due to NDA restrictions. Contact me for a full walkthrough.
*Some unreleased features are omitted due to NDA restrictions. Contact me for a full walkthrough.
*Some unreleased features are omitted due to NDA restrictions. Contact me for a full walkthrough.
Product
Product
Orava Beta
Orava Beta
Orava Beta
An AI-assisted mortgage platform that connects borrowers and loan teams from application to lender-ready submission. Orava brings the fragmented loan process into one coordinated workflow.
An AI-assisted mortgage platform connecting borrower intake, document review, underwriting preparation, and MISMO export in one workflow.
An AI-assisted mortgage platform that connects borrowers and loan teams from application to lender-ready submission. Orava brings the fragmented loan process into one coordinated workflow.
An AI-assisted mortgage platform that connects borrowers and loan teams from application to lender-ready submission. Orava brings the fragmented loan process into one coordinated workflow.
Details
Details
My Role
My Role
My Role
My Role
Lead Product Designer
Lead Product Designer
Lead Product Designer
Surface
Surface
Surface
Surface
Web-based tools
Web-based tools
Web-based tools
Timeline
Timeline
Timeline
Timeline
Dec 2025 - Present
Dec 2025 - Present
Dec 2025 - Present
Team
Team
Team
Team
CEO • 2 Designers • 4 Engineers
CEO • 2 Designers
• 4 Engineers
CEO • 2 Designers • 4 Engineers
Problem
Problem
Fragmented Loan Preparation
Fragmented Loan Preparation
Fragmented Loan Preparation
Disconnected tools, manual calculations, and document follow-ups take loan officers’ time away from supporting borrowers and closing deals.
Manual work and document chasing leave less time for borrowers and closing deals.
Disconnected tools, manual calculations, and document follow-ups take loan officers’ time away from supporting borrowers and closing deals.
Disconnected tools, manual calculations, and document follow-ups take loan officers’ time away from supporting borrowers and closing deals.
Solution
Solution
One Connected Workflow
One Connected Workflow
One Connected Workflow
One Connected Workflow
I designed a shared workflow that connects borrowers and loan teams throughout the mortgage preparation process.
I designed a shared workflow connecting borrowers and loan teams throughout mortgage preparation.
I designed a shared workflow that connects borrowers and loan teams throughout the mortgage preparation process.
I designed a shared workflow that connects borrowers and loan teams throughout the mortgage preparation process.
Result
Result
A Clearer Path to Submission
A Clearer Path to Submission
A Clearer Path to Submission
A Clearer Path to Submission
Orava gives everyone greater visibility and confidence in moving each loan toward lender-ready submission.
Clear status, guided actions, and verified data improve submission readiness.
Orava gives everyone greater visibility and confidence in moving each loan toward lender-ready submission.
Orava gives everyone greater visibility and confidence in moving each loan toward lender-ready submission.
Impact
Impact
100%
100%
100%
Data Continuity
Data Continuity
Data Continuity
Data Continuity
From 1003 to MISMO
From 1003 to MISMO
From 1003 to MISMO
From 1003 to MISMO
5
5
5
Unified Stages
Unified Stages
Unified Stages
Unified Stages
Pre-qual through export
Pre-qual through export
Pre-qual through export
Pre-qual through export
2 -> 1
2 -> 1
2 -> 1
Shared Workflow
Shared Workflow
Shared Workflow
Shared Workflow
For LOs and borrowers
For LOs and borrowers
For LOs and borrowers
For LOs and borrowers
OVERVIEW
OVERVIEW
✧ About Orava
✧ About Orava
✧ About Orava
✧ About Orava
From borrower information to a file ready for the next step.
From borrower information to export-ready files
From borrower information to export-ready files
Borrower submission is the beginning of the loan officer’s work. Officers still need to review the application, assess supporting documents, work through income calculations, and prepare the file for export.
My focus was designing that operational workflow: helping loan officers understand the information in front of them, what needs attention, and what they can do next.
review application details, assess documents, calculate income, and prepare the file for export. I designed this workflow to make information, outstanding tasks, and next steps clearer.
review application details, assess documents, calculate income, and prepare the file for export. I designed this workflow to make information, outstanding tasks, and next steps clearer.
Borrower submission is the beginning of the loan officer’s work. Officers still need to review application details, assess documents, calculate income, and prepare the file for export. I designed this workflow to make information, outstanding tasks, and next steps clearer.
✧ My Role
✧ My Role
✧ My Role
Owned the loan-officer experience
Owned the loan-officer experience
Owned the loan-officer experience
I translate mortgage requirements, existing tools, paperwork, and income worksheets into workflows for application review and loan preparation. I work closely with our SME and engineering team to clarify requirements, discuss constraints, and refine the designs.
I also collaborate with the designer who owns the borrower experience to connect borrower submissions with loan-officer review.
I translate mortgage requirements, paperwork, and income worksheets into product workflows, working with our SME and engineering team on requirements and constraints.
I also collaborate with the borrower-experience designer to connect submissions with LO review.
I translate mortgage requirements, paperwork, and income worksheets into product workflows, working with our SME and engineering team on requirements and constraints.
I also collaborate with the borrower-experience designer to connect submissions with LO review.
RESEARCH & DISCOVERY
RESEARCH & DISCOVERY
✧Discovery
✧Discovery
✧Discovery
Understanding how loan officers prepare a loan application.
Understanding loan preparation
Understanding loan preparation
I investigated how officers review borrower information, work through income and supporting documents, and prepare applications for submission. The research focused on handoffs, manual steps, and the information needed at each stage.
I investigated how officers review information, assess income, and prepare applications, focusing on manual tasks and handoffs.
I investigated how officers review information, assess income, and prepare applications, focusing on manual tasks and handoffs.
15 Interviews
15+ Interviews
15 Interviews
Spoke with loan officers and internal stakeholders to understand daily workflows, operational challenges, and existing processes.
Loan officers and stakeholders shared daily workflows and challenges.
Loan officers and stakeholders shared daily workflows and challenges.
5 Workflow Observations
5 Workflow Observations
5 Workflow Observations
Observed how information moved between borrowers, loan officers, and review tasks to identify friction and coordination gaps.
Examined information handoffs and coordination gaps.
Examined information handoffs and coordination gaps.
5 Mortgage Stages Mapped
5 Mortgage Stages Mapped
5 Mortgage Stages Mapped
Mapped the journey from pre-qualification to MISMO export, identifying handoffs, dependencies, and manual steps.
Traced dependencies from pre-qualification to MISMO export.
Traced dependencies from pre-qualification to MISMO export.
30+ Artifacts Reviewed
30+ Artifacts Reviewed
30+ Artifacts Reviewed
Reviewed existing tools, application paperwork, spreadsheets, and income worksheets to understand how loan information is collected and prepared.
Reviewed tools, application paperwork, spreadsheets, and income worksheets.
Reviewed tools, application paperwork, spreadsheets, and income worksheets.
Key Insights:
Key Insights:
Key Insights:
Many operational challenges began before underwriting, when borrower information, supporting documents, and preparation tasks needed to come together for loan-officer review.
Many challenges began before underwriting, as officers brought borrower information, documents, and preparation tasks together.
Many challenges began before underwriting, as officers brought borrower information, documents, and preparation tasks together.
✧ Workflow Mapping
✧ Workflow Mapping
✧ Workflow Mapping
Too much time preparing loans, little time moving them forward
More preparation, less time moving loans forward
Too much time preparing loans, little time moving them forward
Research revealed how much of a loan officer’s day goes into chasing documents, following up on missing information, and working through manual calculations. These tasks take time away from helping borrowers and moving deals toward closing.
Mapping the mortgage process helped identify where this administrative work accumulated, particularly during document collection and loan preparation.
Document chasing, missing-information follow-ups, and manual calculations took time away from borrowers and closing. Mapping the process showed where this work accumulated.
Document chasing, missing-information follow-ups, and manual calculations took time away from borrowers and closing. Mapping the process showed where this work accumulated.
Design Focus:
Design Focus:
Design Focus:
I focused on connecting application review, document tracking, income workflows, and MISMO export readiness to reduce repetitive preparation work and help loan officers move files forward.
Connect application review, documents, income workflows, and MISMO readiness to reduce repetitive preparation
Connect application review, documents, income workflows, and MISMO readiness to reduce repetitive preparation
STRATEGY
✧ Connected Workflows
✧ Connected Workflows
✧ Connected Workflows
Connecting borrower submissions with loan-officer review
Connecting borrower submissions with loan-officer review
Connecting borrower submissions with loan-officer review
Orava connects a borrower portal with a loan-officer workspace. Borrowers submit application information and supporting documents; loan officers use that information to review and prepare the loan file.
Orava connects a borrower portal with a loan-officer workspace. Borrowers submit application information and supporting documents; loan officers use that information to review and prepare the loan file.
Orava connects a borrower portal with a loan-officer workspace. Borrowers submit application information and supporting documents; loan officers use that information to review and prepare the loan file.
✧ Design Strategy
✧ Design Strategy
✧ Design Strategy
Reduce admin work so loan officers can move loans forward.
Reduce admin work so loan officers can move loans forward.
Reduce admin work so loan officers can move loans forward.
My design focus was to bring application information, documents, and income workflows into a connected LO workspace. The aim was to reduce the effort spent piecing together a file and make outstanding requirements easier to identify.
I brought application data, documents, and income workflows together to make files easier to review and outstanding requirements easier to identify.
I brought application data, documents, and income workflows together to make files easier to review and outstanding requirements easier to identify.
Centralized Application Review
Centralized Application Review
Centralized Application Review
Organize borrower-submitted information around the 1003 so officers can review it within the loan workspace.
Organize borrower information around the 1003.
Organize borrower information around the 1003.
Support Income Assessment
Support Income Assessment
Support Income Assessment
Translate income worksheets and supporting-document requirements into structured workflows, with loan-officer review and confirmation.
Structure worksheet inputs and supporting evidence for LO review.
Structure worksheet inputs and supporting evidence for LO review.
Make Readiness Visible
Make Readiness Visible
Make Readiness Visible
Connect missing information and outstanding documents to MISMO export availability, so incomplete requirements prevent export.
Connect outstanding requirements to MISMO export availability.
Connect outstanding requirements to MISMO export availability.
✧ Exploring Directions
✧ Exploring Directions
✧ Exploring Directions
Bringing coordination and assistance into the loan-officer workflow
Bringing coordination and assistance into the loan-officer workflow
Bringing coordination and assistance into the loan-officer workflow
I explored 3 directions for addressing the manual work and coordination involved in loan preparation.
I explored 3 directions for addressing the manual work and coordination involved in loan preparation.
I explored 3 directions for addressing the manual work and coordination involved in loan preparation.
3 Concepts Explored:
3 Concepts Explored:
3 Concepts Explored:
Workflow Command Center
Workflow Command Center
Workflow Command Center
Bring loan information, documents, and outstanding tasks into one workspace.
Bring loan information, documents, and outstanding tasks into one workspace.
Bring loan information, documents, and outstanding tasks into one workspace.
AI Mortgage Assistant
AI Mortgage Assistant
AI Mortgage Assistant
Assist with document analysis and review while keeping loan officers in control of decisions.
Assist with document analysis and review while keeping loan officers in control of decisions.
Assist with document analysis and review while keeping loan officers in control of decisions.
Connected Collaboration Platform
Connected Collaboration Platform
Connected Collaboration Platform
Connect borrower submissions with the information and documents officers need to prepare a loan.
Connect borrower submissions with the information and documents officers need to prepare a loan.
Connect borrower submissions with the information and documents officers need to prepare a loan.
Selected Direction:
Selected Direction:
Selected Direction:
A connected workflow provided the foundation: borrower information feeds into the LO workspace, where centralized review and AI assistance support preparation.
A connected workflow provided the foundation: borrower information feeds into the LO workspace, where centralized review and AI assistance support preparation.
A connected workflow forms the foundation, supported by centralized review and AI assistance.
SOLUTIONS
SOLUTIONS
✴︎ Loan Officer Experience
✴︎ Loan Officer Experience
✴︎ Loan Officer Experience
Connecting the work of preparing a loan
Connecting the work of preparing a loan
A workspace for loan preparation
I designed the loan-officer workspace to support the work from application review through MISMO export.
I designed the loan-officer workspace to support the work from application review through MISMO export.
I designed the loan-officer workspace to support the work from application review through MISMO export.
Dashboard
Dashboard
“Needs Your Attention” surfaces overdue tasks, upcoming deadlines, follow-ups, and items awaiting review, with actions beside each item. Pipeline summaries, loan performance, and mortgage rates provide additional context.
“Needs Your Attention” surfaces overdue tasks, upcoming deadlines, follow-ups, and items awaiting review, with actions beside each item. Pipeline summaries, loan performance, and mortgage rates provide additional context.
Dashboard
Loan officers can track progress, verify documents, calculate income, and prepare lender-ready files in one workspace.
Dashboard
“Needs Your Attention” surfaces overdue tasks, upcoming deadlines, follow-ups, and items awaiting review, with actions beside each item. Pipeline summaries, loan performance, and mortgage rates provide additional context.
Documents & MISMO Export
Documents & MISMO Export
Documents & MISMO Export
The Documents tab shows missing information and outstanding borrower documents, helping officers identify what still needs to be collected.
I connected these readiness checks to the MISMO export action at the top of the workspace. The button remains disabled while required information or documents are missing.
The Documents tab identifies missing information and borrower documents. MISMO export remains disabled until required items are complete.
The Documents tab identifies missing information and borrower documents. MISMO export remains disabled until required items are complete.
Income Calculation
Income Calculation
Income Calculation
I translated income worksheets and mortgage requirements into workflows for wage earner income, rental income, royalties, self-employment, and other income.
Each group accommodates its own inputs and subcategories. For example, wage earner income includes base salary, overtime, bonus, and commission.
For other-income verification, I designed comparisons between borrower-reported amounts and AI-extracted document values. Match, discrepancy, and missing-document states distinguish the system’s findings from the loan officer’s confirmation.
I designed workflows for wage earner, rental, royalties, self-employment, and other income, including subcategories such as base salary, overtime, bonus, and commission.
For other-income verification, comparisons show borrower-reported and AI-extracted amounts. Match, discrepancy, and missing-document states remain separate from LO confirmation.
I designed workflows for wage earner, rental, royalties, self-employment, and other income, including subcategories such as base salary, overtime, bonus, and commission.
For other-income verification, comparisons show borrower-reported and AI-extracted amounts. Match, discrepancy, and missing-document states remain separate from LO confirmation.
Supporting Workflows
Supporting Workflows
Supporting Workflows
Scenario Desk
Scenario Desk
Scenario Desk
I designed a dedicated space for loan officers to submit mortgage scenario questions and track responses.
I designed a dedicated space for loan officers to submit mortgage scenario questions and track responses.
I designed a dedicated space for loan officers to submit mortgage scenario questions and track responses.
CRM
CRM
CRM
designing contact management and email workflows, connecting recipient selection, template customization, and final review. Inline AI assistance lets officers describe changes while viewing the email they are editing.
Contact management and email workflows with recipient selection, templates, and inline AI customization.
Contact management and email workflows with recipient selection, templates, and inline AI customization.
✴︎ Borrower Experience
✴︎ Borrower Experience
✴︎ Borrower Experience
Connecting borrower submissions to LO review
Connecting borrower submissions to LO review
Connecting borrower submissions to LO review
The borrower experience collects 1003 application information and supporting documents that feed into the loan-officer workspace.
I collaborated with the designer who owns this experience to connect borrower submissions with the LO review workflow.
The borrower experience collects 1003 application information and supporting documents that feed into the loan-officer workspace.
I collaborated with the designer who owns this experience to connect borrower submissions with the LO review workflow.
The borrower experience collects 1003 application information and supporting documents that feed into the loan-officer workspace.
I collaborated with the designer who owns this experience to connect borrower submissions with the LO review workflow.
Pipeline
A dedicated application list brings borrower names, loan amounts, lenders, and stages together, helping officers scan their pipeline and find the loan they need to work on.
Pipeline
A dedicated application list brings borrower names, loan amounts, lenders, and stages together, helping officers scan their pipeline and find the loan they need to work on.
Loan Overview
Brings borrower and co-borrower details, property information, qualification metrics, action items, and transaction contacts together to help officers understand the loan and outstanding work.
Application Review
Organizes borrower-submitted information into sections aligned with the 1003. Section navigation helps officers locate specific details, while editing controls and a 1003 preview support application review.
Loan Overview
Brings borrower and co-borrower details, property information, qualification metrics, action items, and transaction contacts together to help officers understand the loan and outstanding work.
Application Review
Organizes borrower-submitted information around the 1003, with section navigation, editing controls, and a form preview.
Pipeline
A dedicated application list brings borrower names, loan amounts, lenders, and stages together, helping officers scan their pipeline and find the loan they need to work on.
Loan Overview
Brings borrower and co-borrower details, property information, qualification metrics, action items, and transaction contacts together to help officers understand the loan and outstanding work.
Application Review
Organizes borrower-submitted information into sections aligned with the 1003. Section navigation helps officers locate specific details, while editing controls and a 1003 preview support application review.
Pipeline
A dedicated application list brings borrower names, loan amounts, lenders, and stages together, helping officers scan their pipeline and find the loan they need to work on.
Loan Overview
Brings borrower and co-borrower details, property information, qualification metrics, action items, and transaction contacts together to help officers understand the loan and outstanding work.
Application Review
Organizes borrower-submitted information around the 1003, with section navigation, editing controls, and a form preview.
VALIDATION & ITERATION
VALIDATION & ITERATION
✧ Iterations
✧ Iterations
✧ Iterations
Refining workflows through stakeholder feedback and usability reviews.
View borrower details and conditions in one place.
Refining workflows through stakeholder feedback and usability reviews.
I reviewed workflows with our SME and internal loan officers to clarify mortgage requirements, and worked with engineering to discuss constraints and refine implementation details.
Stakeholder reviews clarified borrower guidance, loan-officer visibility, and where AI required human approval.
I reviewed workflows with our SME and internal loan officers to clarify mortgage requirements, and worked with engineering to discuss constraints and refine implementation details.
✧ Design Trade-offs
✧ Design Trade-offs
✧ Design Trade-offs
Balancing efficiency, detail, and control
Balancing speed, accuracy, and control
Balancing speed, accuracy, and control
Balancing efficiency, detail, and control
Reducing manual work meant deciding where the system could assist and where loan officers still needed visibility and control.
Reducing manual work meant deciding where the system could assist and where loan officers still needed visibility and control.
Reducing manual work meant deciding where the system could assist and where loan officers still needed visibility and control.
AI Assistance & Human Review
AI vs. Verification
AI Assistance & Human Review
AI compares extracted document values with borrower-reported income. I kept those results separate from LO confirmation so a match would not be mistaken for a completed review.
AI compares extracted document values with borrower-reported income. I kept those results separate from LO confirmation so a match would not be mistaken for a completed review.
AI compares document values with reported income; officers separately confirm the result.
Flexible Review & Export Requirements
Auto vs. Control
Flexible Review & Export Requirements
Officers can review the application while requirements remain outstanding. MISMO export stays disabled until the required information and documents are complete.
Officers can review the application while requirements remain outstanding. MISMO export stays disabled until the required information and documents are complete.
Officers can review incomplete files, while export stays disabled until requirements are complete.
OUTCOME
OUTCOME
✴︎ Outcome
✴︎ Outcome
✴︎ Outcome
A connected loan-officer workspace
One connected path to lender-ready submission
One connected path to lender-ready submission
A connected loan-officer workspace
Orava brings pipeline management, loan overview, application review, and income-calculation workflows into one connected workspace.
Together, these are designed to reduce manual preparation and document chasing so loan officers have more time to support borrowers and close loans.
Orava brings onboarding, documents, verification, and underwriting preparation into one coordinated workflow.
Together, these are designed to reduce manual preparation and document chasing so loan officers have more time to support borrowers and close loans.
Orava connects pipeline management, application review, and income workflows to reduce manual preparation and document chasing, with the goal of freeing more time for borrowers and closing loans.
Borrower Experience
Guides borrowers through onboarding, pre-qualification, and loan preparation through a step-by-step flow.
Loan Officer Experience
Supports loan review, verification, underwriting preparation, and workflow coordination through a centralized operational workspace.
Borrower Experience
Guides borrowers through onboarding, pre-qualification, and loan preparation.
Loan Officer Experience
Streamlines underwriting preparation, loan operations, and communication.
Borrower Experience
Guides borrowers through onboarding,
pre-qualification, and loan preparation.Loan Officer Experience
Streamlines underwriting preparation, loan operations, and communication.
Borrower Experience
Guides borrowers through onboarding, pre-qualification, and loan preparation through a step-by-step flow.
Loan Officer Experience
Supports loan review, verification, underwriting preparation, and workflow coordination through a centralized operational workspace.
✧ Success Metrics
✧ Success Metrics
✧ Success Metrics
Measuring whether the workflow reduces admin work.
Measuring whether the workflow reduces admin work.
Measuring whether the workflow reduces admin work.
Less document chasing
Less document chasing
Less document chasing
Track time spent following up on missing information and documents.
Track time spent following up on missing information and documents.
Track time spent following up on missing information and documents.
Faster loan prep
Faster loan prep
Faster loan prep
Measure time spent reviewing applications, assessing income, and preparing files for export.
Measure time spent reviewing applications, assessing income, and preparing files for export.
Measure time spent reviewing applications, assessing income, and preparing files for export.
Clearer next steps
Clearer next steps
Clearer next steps
Assess whether officers can identify outstanding requirements and the actions needed to move a loan forward.
Assess whether officers can identify outstanding requirements and the actions needed to move a loan forward.
Assess whether officers can identify outstanding requirements and the actions needed to move a loan forward.
REFLECTIONS
REFLECTIONS
✧ Learnings
✧ Learnings
✧ Learnings
Understanding the lifecycle before designing the workflow
Understanding the lifecycle before designing the workflow
Understanding the lifecycle before designing the workflow
Learn Operational Details
Learn Operational Details
Learn Operational Details
Reviewing mortgage paperwork and income worksheets helped me understand the requirements behind each screen and design around the work officers actually do.
Paperwork and worksheets revealed the requirements behind each screen.
Paperwork and worksheets revealed the requirements behind each screen.
Design Across Handoffs
Design Across Handoffs
Design Across Handoffs
The LO experience depends on what borrowers submit. Collaborating with the borrower-experience designer helped connect information collection with application review.
Collaboration connected borrower submissions with LO review.
The LO experience depends on what borrowers submit. Collaborating with the borrower-experience designer helped connect information collection with application review.
Make Automation Reviewable
Make Automation Reviewable
Make Automation Reviewable
AI assistance needs clear results, supporting evidence, and a distinct human-confirmation step so officers understand what still requires their judgment.
Clear evidence and human confirmation help officers understand what still needs their judgment.
Clear evidence and human confirmation help officers understand what still needs their judgment.
Copyright © 2025 Penny Asawadilockchai. All Rights Reserved.
Copyright © 2025 Penny Asawadilockchai. All Rights Reserved.
Copyright © 2025 Penny Asawadilockchai. All Rights Reserved.