Expanding a lending platform into a complete,
three-sided experience
Expanding a lending platform into
a complete, three-sided experience
Expanding a lending
platform into a complete,
three-sided experience
OVERVIEW
I.
A complete lending platform,
built around every party
in the process
A complete lending platform,
built around every party
in the process
A complete lending platform,
built around every party
in the process
Housetable is a construction and renovation
lending platform that lets credit unions
and banks offer renovation HELOCs underwritten
against a home's after-renovation value,
without those institutions needing to build
or staff a renovation lending program themselves.
Upon our engagement, we broadened
the platform considerably — unifying
the borrower's loan application and renovation-
management experience into a single portal,
and developing two additional portals,
for contractors and lending institutions,
as an integral part of the overall process.
Housetable is a construction and renovation
lending platform that lets credit unions and banks
offer renovation HELOCs underwritten against
a home's after-renovation value, without
those institutions needing to build or staff
a renovation lending program themselves.
Upon our engagement, we broadened the platform
considerably — unifying the borrower's loan
application and renovation-management
experience into a single portal, and developing
two additional portals, for contractors
and lending institutions, as an integral part
of the overall process.
Housetable is a construction and renovation
lending platform that lets credit unions
and banks offer renovation HELOCs
underwritten against a home's after-
renovation value, without those institutions
needing to build or staff a renovation
lending program themselves. Upon our
engagement, we broadened the platform
considerably — unifying the borrower's loan
application and renovation-management
experience into a single portal,
and developing two additional portals,
for contractors and lending institutions,
as an integral part of the overall process.
Housetable is a construction and renovation lending
platform that lets credit unions and banks offer
renovation HELOCs underwritten against a home's
after-renovation value, without those institutions
needing to build or staff a renovation lending
program themselves. Upon our engagement, we
broadened the platform considerably — unifying
the borrower's loan application and renovation-
management experience into a single portal,
and developing two additional portals,
for contractors and lending institutions,
as an integral part of the overall process.
3
1
Interconnected portals — for borrowers,
contractors, and lending institutions
Interconnected portals —
for borrowers, contractors,
and lending institutions
Interconnected portals —
for borrowers, contractors,
and lending institutions
Interconnected portals — for borrowers,
contractors, and lending institutions
Unified borrower experience
Unified borrower experience
Unified borrower experience
PROBLEM
ii.
A single platform bridging
fragmented tools into one
connected workflow
A single platform
bridging fragmented
tools into one
connected workflow
A single platform bridging
fragmented tools into one
connected workflow
Housetable's early product served only
homeowners directly, and even then, split one
connected process across two separate tools.
Contractors and lending institutions were already
integral to that same process — contractors
were paid through it, lending institutions
underwrote and monitored it — yet neither
had a dedicated experience of their own.
Housetable's early product served only
homeowners directly, and even then, split one
connected process across two separate tools.
Contractors and lending institutions were already
integral to that same process — contractors
were paid through it, lending institutions
underwrote and monitored it — yet neither
had a dedicated experience of their own.
Housetable's early product served only
homeowners directly, and even then, split
one connected process across two
separate tools. Contractors and lending
institutions were already integral
to that same process — contractors
were paid through it, lending institutions
underwrote and monitored it —
yet neither had a dedicated experience
of their own.
Housetable's early product served only homeowners
directly, and even then, split one connected process
across two separate tools. Contractors and lending
institutions were already integral to that same
process — contractors were paid through it, lending
institutions underwrote and monitored it —
yet neither had a dedicated experience of their own.
Homeowners managed one connected process across two
separate products
Homeowners managed one connected
process across two separate products
Homeowners managed one
connected process across two
separate products
Homeowners managed one connected
process across two separate products
Applying for a loan and managing the resulting renovation — tracking progress, paying
contractors — lived in separate applications, requiring homeowners to move between
tools for what was, to them, a single ongoing project.
Applying for a loan and managing the resulting renovation — tracking
progress, paying contractors — lived in separate applications,
requiring homeowners to move between tools for what was, to them,
a single ongoing project.
Applying for a loan and managing the resulting
renovation — tracking progress, paying
contractors — lived in separate applications,
requiring homeowners to move between tools
for what was, to them, a single ongoing project.
Applying for a loan and managing the resulting
renovation — tracking progress, paying
contractors — lived in separate applications,
requiring homeowners to move between tools
for what was, to them, a single ongoing project.
Growth exposed the limits of a borrower-only platform
Growth exposed the limits
of a borrower-only platform
Growth exposed the limits
of a borrower-only platform
Growth exposed the limits
of a borrower-only platform
As Housetable scaled, serving the homeowner alone was no longer sufficient —
contractors and lending institutions were already core participants in the same process,
and continued growth depended on giving each of them a dedicated experience
of their own, not tools built solely around the homeowner's journey.
As Housetable scaled, serving the homeowner alone was no longer
sufficient — contractors and lending institutions were already core
participants in the same process, and continued growth depended
on giving each of them a dedicated experience of their own, not tools
built solely around the homeowner's journey.
As Housetable scaled, serving the homeowner
alone was no longer sufficient — contractors
and lending institutions were already core
participants in the same process,
and continued growth depended
on giving each of them a dedicated experience
of their own, not tools built solely around
the homeowner's journey.
As Housetable scaled, serving the homeowner alone
was no longer sufficient — contractors and lending
institutions were already core participants
in the same process, and continued growth
depended on giving each of them a dedicated
experience of their own, not tools built solely around
the homeowner's journey.
OUR APPROACH
iii.
Unifying the borrower
experience, extending
the platform to every party
Unifying the borrower
experience, extending
the platform to every party
The engagement began with a UX audit,
which shaped how the borrower experience
came together, and continued into developing
the contractor and lender portals as new
capabilities within the platform.
The engagement began with a UX audit,
which shaped how the borrower experience
came together, and continued into developing
the contractor and lender portals as new
capabilities within the platform.
The engagement began with a UX audit,
which shaped how the borrower experience
came together, and continued
into developing the contractor
and lender portals as new capabilities
within the platform.
The engagement began with a UX audit,
which shaped how the borrower experience
came together, and continued into developing
the contractor and lender portals as new
capabilities within the platform.
Unified loan and renovation
management into a single portal
Unified loan
and renovation
management into
a single portal
Unified loan and renovation
management into
a single portal
Unified loan and renovation
management into a single portal
The team combined loan capabilities with renovation
and contractor-payment tracking into a single
guided experience, replacing two separate products
with one continuous process for the homeowner.
The team combined loan capabilities
with renovation and contractor-
payment tracking into a single guided
experience, replacing two separate
products with one continuous process
for the homeowner.
The team combined loan capabilities
with renovation and contractor-payment
tracking into a single guided experience,
replacing two separate products with one
continuous process for the homeowner.
The team combined loan capabilities
with renovation and contractor-payment
tracking into a single guided experience,
replacing two separate products with one
continuous process for the homeowner.
Developed a dedicated
contractor portal
Developed a dedicated
contractor portal
Developed a dedicated
contractor portal
Developed a dedicated
contractor portal
Contractors gained their own workspace, built
around managing proposals, tracking draws,
and processing change orders across multiple active
projects at once — purpose-built for running
a business at volume rather than being administered
through the homeowner's application.
Contractors gained their own
workspace, built around managing
proposals, tracking draws,
and processing change orders across
multiple active projects at once —
purpose-built for running a business
at volume rather than being
administered through
the homeowner's application.
Contractors gained their own workspace,
built around managing proposals, tracking
draws, and processing change orders across
multiple active projects at once — purpose-
built for running a business at volume
rather than being administered through
the homeowner's application.
Contractors gained their own workspace,
built around managing proposals, tracking
draws, and processing change orders across
multiple active projects at once — purpose-
built for running a business at volume rather
than being administered through
the homeowner's application.
Introduced a dedicated
lender portal
Introduced a dedicated
lender portal
Introduced a dedicated
lender portal
Introduced a dedicated
lender portal
Lending-institution staff gained the ability to manage
prospects, loan approvals, draw requests,
and change orders across their entire portfolio.
Lending-institution staff gained
the ability to manage prospects, loan
approvals, draw requests, and change
orders across their entire portfolio.
Lending-institution staff gained the ability
to manage prospects, loan approvals, draw
requests, and change orders across their
entire portfolio.
Lending-institution staff gained the ability
to manage prospects, loan approvals, draw
requests, and change orders across their
entire portfolio.
RESULTS
iv.
A platform built
for every party in the process
A platform built for every party
in the process
A platform built for every
party in the process
3
Interconnected portals — for borrowers, contractors, and lending
institutions — extending the platform to every party in the lending process.
Interconnected portals — for borrowers, contractors,
and lending institutions — extending the platform
to every party in the lending process.
Interconnected portals — for borrowers,
contractors, and lending institutions —
extending the platform to every party
in the lending process.
Interconnected portals — for borrowers,
contractors, and lending institutions —
extending the platform to every party
in the lending process.
1
Unified borrower experience, replacing what was previously a disconnected
loan-and-renovation process.
Unified borrower experience, replacing
what was previously a disconnected loan-and-
renovation process.
Unified borrower experience, replacing
what was previously a disconnected
loan-and-renovation process.
Unified borrower experience, replacing
what was previously a disconnected loan-
and-renovation process.
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