A cut section, top to bottom
A design demonstration by Quarry
Plinth Home Lending does not exist. It is a demonstration of what a full-spectrum United States lender's site could look like if it were organised around the thing that actually separates one loan from another — time — rather than around a grid of eight product names.
Plinth Home Lending is a design demonstration. The company, the address, the phone number and the email domain are invented. No licence, NMLS identifier, rate, approval or timeline on this site is real, and no form on it transmits or stores anything.
A person who does not know whether they want FHA or conventional cannot be helped by a page that starts with the words FHA and conventional. They can be helped by "what am I still paying in year two", because everybody knows what year two is. So the whole site is ordered by depth, and the programmes surface where they decide something.
A rate on a page is a guess with a decimal point in it, because nobody has been underwritten. Programme structure is different: the FHA upfront premium really is 1.75%, PMI really does terminate at 78% of original value, and VA really does charge no monthly mortgage insurance. Those are checkable, they are stable, and they are what actually separates one loan from another.
Every programme page carries a "what it will not do" section, and the sift on the loans page keeps the ruled-out programmes on screen with the reason written out. A shorter list is easier to build. A list with reasons is the one that teaches you the vocabulary.
Published rule, or illustrative assumption. Those are the only two categories on this site, and each figure is labelled as one of them where it appears rather than in a footnote nobody reads.
Why five bands
Each of them answers a different question, and each of them makes a different subset of the eight programmes relevant. Someone who tells you they expect to move in four years has told you more about which loan suits them than a credit score would.
The long argumentHow it is made
Astro with no framework runtime, Tailwind for the reset and a design system of about four hundred lines of hand-written CSS. Every chart on the calculators is written straight into SVG, because a charting library is the single easiest way to lose the performance budget on the page people actually share. The sediment field in the hero is one canvas element with a capped particle count that pauses itself when it is off screen or the tab is hidden, and never starts at all if you have asked your system to reduce motion.
The maths lives in a typed module so that tsc --noEmit --strict actually covers it. That matters: TypeScript inside a component's script block is checked by nothing, so the arithmetic that produces every figure on this site is deliberately somewhere a compiler can see it.
An independent design studio. The palette, the type, the strata idea, the sediment field, the section panel, the depth gauge and everything else about the way this site looks were invented for it and are shared with no other site in this portfolio. There is no team page here, no photographs of people who do not work for a company that does not exist, and no awards.
These are real controls, not a badge. This site has not been audited against WCAG, so it does not claim conformance.
Rebrand this demo live. Every control writes to the address bar, so the result is a link you can send.