Fintech SaaS

OmniRate

Designing clarity into complex workflows — a full-stack mortgage broker platform that replaces fragmented legacy tooling.

Role: Lead Product Designer
Timeline: 8 months
Platform: Web (SaaS)
Industry: Mortgage / Fintech

A full-stack mortgage broker platform built to replace fragmented legacy workflows. OMNIRATE consolidates loan origination, borrower management, fee worksheets, and team coordination into a single, coherent SaaS product.

01Loan Officer

The origination workspace.

The core product a loan officer works in every day — a guided origination flow that keeps qualification context visible and permissions role-aware, so individual applications move without friction.

Application Pipeline

A 7-step guided loan application reduces broker errors. Progressive disclosure keeps each screen focused — borrowers, loan terms, documents, property, fees, financials, and closing costs are tackled one at a time.

Live Financial Summary

A persistent sidebar panel during application entry shows real-time LTV, CLTV, and HCLTV ratios. Brokers see qualification risk as they fill in values — no tab-switching required.

Role-Based Access Control

Admins configure granular permissions per user role. Loan Officers can view and edit; Processors are read-only by default. Toggled inline from the dashboard, no separate admin panel needed.

Task Prioritization

Upcoming tasks are color-coded by urgency and linked to specific loan applications. High-priority items surface at the top of the dashboard to prevent deadline misses.

02Lead Broker

Managing the operation.

While loan officers process individual applications, Lead Brokers run the book. This persona needed pipeline visibility, team management, analytics, and rate intelligence — all without interrupting the Loan Officer flow.

Key jobs: Pipeline, Analytics, Team
Screens: 10 views
Differentiator: Ops intelligence layer

Pipeline at a Glance

My Loans distills 24+ active applications into a scannable table. Status badges (Prospect, In Review, Funded) let a Lead Broker triage their book in seconds without opening individual records.

Scenario Modeling

Easy Qualifier lets brokers build competing loan scenarios side by side — same borrower, different terms. Bar charts surface payment and cost differences instantly, removing mental math from rate conversations.

Marketplace Comparison

The Loan Marketplace pulls live lender rates and calculates break-even months inline. Brokers pick the best fit for the borrower without leaving the platform to check external rate sheets.

Operations Intelligence

The Reports dashboard tracks approval rates by loan officer, application volume over time, and loan type distribution. Lead brokers spot bottlenecks and performance gaps without exporting to spreadsheets.

03API Vendor

Built for the integrators.

Third-party vendors connecting to OMNIRATE via API needed an entirely separate portal — one focused on API health, smart-contract loan processing, transaction security, and usage observability rather than manual origination.

Key jobs: API ops, security, pipeline
Product: Vendor Portal (separate)
Differentiator: Developer-grade observability

Unified API Surface

API Connections consolidates key management, OAuth clients, webhooks, and IP allowlisting into one screen. Vendors rotate keys, register new OAuth apps, and audit access without navigating separate admin pages.

Observability by Default

Usage Analytics surfaces 2.4M API calls per week with per-endpoint breakdowns of success rate, latency, and trend. Vendors diagnose integration health without setting up external monitoring tooling.

Smart-Contract Loan Pipeline

Loan Processing maps the full loan lifecycle — from draft to closed — with collateral verification status and smart-contract deployment state shown inline. Vendors handle post-origination without context-switching to the broker portal.

Proactive Security Alerting

The dashboard surfaces suspicious transaction flags, expiring API keys, and scheduled maintenance in a real-time alert feed. High-severity events use distinct color coding so vendors catch critical issues at a glance.

Security

Loans secured on the blockchain.

OmniRate runs loan processing on smart contracts and records transactions on an immutable ledger, so sensitive borrower data and every step of a deal are protected end to end. Brokers and vendors work against a single, tamper-proof source of truth.

Smart-Contract Loan Processing

Loan-lifecycle steps execute through smart contracts, so state changes — draft to closed — are enforced by code and can't be tampered with or back-dated.

Immutable Transaction Ledger

Every transaction is written to an append-only ledger, creating a permanent, auditable record that protects against fraud and disputes.

Cryptographic Data Protection

Borrower and financial data are cryptographically secured, and every access is signed and logged, so sensitive records stay protected across the broker and vendor portals.

Real-Time Security Alerting

A transaction-security layer flags suspicious activity, expiring API keys, and anomalies in a live feed, so threats surface before they reach live loans.

Process

My design process starts on the floor — watching how people actually use tools before designing new ones. For OMNIRATE, that meant shadowing loan officers, learning the lexicon of mortgage origination, and mapping failure points in legacy workflows.