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The name “Vellum” was inspired by a type of high-quality paper historically used for high-ranking documents only. “Vellum paper is beautiful, long-lasting, and transparent; it embodies the characteristics we emulate in the Vellum Mortgage experience. With Vellum Mortgage you get unparalleled transparency, a lasting commitment, and a beautifully simple process,” explains Patrick Gardner, principal and co-founder of Vellum Mortgage.

“Our mission is to provide a completely transparent loan process, backed by quality and integrity, which are the principles of the name we’re founded on. We’re redefining the experience, making it easier and more enjoyable,” Patrick continues.

As industry veterans who intimately know the needs of the market, their clients, partners, and industry, Vellum Mortgage built their loan process from the ground up to embrace emerging technology while reengineering outdated norms. The results are clear — a loan process that was 33 percent faster than their peers in the refinance boom last year. This produced more referrals for our loan officers and referral partners and a much happier consumer.  

The first full year Vellum Mortgage closed loans was 2019, and they closed roughly $400 million. In 2020, this number jumped to roughly $1.3 billion. And at the time of this writing, in late 2021, they are on pace to eclipse $1.6 billion.

“We created Vellum with a consumer experience and production-oriented mindset. As a result, our loan officers close more loans with fewer headaches. Fewer headaches mean a happier consumer and referral partner. We know what a consumer expects and have built Vellum around those expectations,” says Jay Curley, principal of Vellum Mortgage with 30 years of experience as a top loan originator.

“Our process efficiencies have increased the number of purchase transactions each loan officer has closed and has led to more customer referrals our REALTOR® partners have enjoyed,” Jay emphasizes. “We foster a culture of loan officers helping one another, holding one another accountable, and promoting a competitive atmosphere everyone seems to enjoy.”

“Setting yourself apart in this industry boils down to people and processes,” Patrick says. “Our people are industry veterans, backed by our loan officers, who averaged over $100 million in production last year. The industry average was just over $20 million in 2020.”

Vellum’s commitment to perpetual innovation to simplify and clarify what has been an opaque process for buyers in the past will continue to place the company at the forefront of the industry. As a fast-growing company that has already made a huge splash in the industry, Vellum plans to use its momentum to expand further.

“We are always looking for talented loan officers and operations staff to join the team,” says Jay. “Our clients rave about how easy our loan process is in comparison to their previous experiences, and we are committed to staying at the forefront of today’s emerging technologies.”