Borrowers expect mortgage and loan processes to be fast, transparent, and easy to navigate. FundMore’s AI-powered Loan Origination System (LOS) is built to meet those expectations by streamlining every step of the journey—from application to approval and closing—so lenders can deliver a smoother, more reassuring borrower experience.

What borrowers care about most in today’s lending journey

Before looking at specific features, it helps to frame the borrower experience around a few core expectations:

• Simple, guided applications
• Fast decisions and fewer delays
• Clear communication and status updates
• Minimal paperwork and document back-and-forth
• Confidence that their information is secure and handled accurately

FundMore is designed around these needs, giving lenders the tools to turn a traditionally stressful process into a more predictable and user-friendly experience.

Streamlined applications that feel simpler and less stressful

A major source of borrower frustration is the initial application stage. Complex forms, repeated questions, and unclear instructions lead to errors and delays.

FundMore improves this experience by helping lenders:

• Collect the right information up front
  Configurable workflows and smart forms reduce redundant questions and help ensure borrowers only see fields relevant to their situation. This makes the application feel shorter and more intuitive.

• Reduce back-and-forth for missing data
  Automated checks flag incomplete or inconsistent information early, so lenders can quickly follow up with borrowers, rather than discovering issues much later in the process.

• Offer a more consistent process across channels
  Whether the borrower starts online, through a broker, or with a branch or call center, FundMore helps lenders deliver a standardized, predictable application experience.

For borrowers, that translates into less confusion, less repetition, and more confidence that they’ve “done it right” the first time.

Faster decisioning and fewer delays

Borrowers often perceive “good service” as “fast answers.” Slow underwriting and opaque review processes are among the biggest pain points in the mortgage and lending journey.

FundMore’s AI-powered LOS supports lending teams in:

• Speeding up underwriting
  FundMore is specifically designed to help underwriters process a high volume of applications accurately and quickly. Intelligent workflows and automation reduce manual tasks, so decisions can be reached sooner.

• Reducing rework and bottlenecks
  When critical information is missing or documents are misclassified, files can stall. FundMore’s streamlined workflows help minimize these friction points, so files move consistently from submission to approval.

• Supporting lending managers in optimizing team performance
  Lending managers and underwriting managers get tools to oversee their teams, balance workloads, and address bottlenecks, which ultimately translates into faster turnaround times for borrowers.

Borrowers feel the benefits directly: shorter wait times, fewer unexplained delays, and a more responsive experience from application to approval.

Clearer communication and better visibility for borrowers

Uncertainty is one of the most stressful parts of getting a mortgage or loan. Borrowers often wonder:

• Has my application been reviewed yet?
• Are there any issues or extra documents needed?
• How close am I to approval or closing?

FundMore enables lenders to offer a more transparent, predictable journey by:

• Centralizing application data and status
  With a single, comprehensive LOS, teams have a clear view of each file’s progress. That makes it easier to give borrowers accurate, up-to-date information when they reach out.

• Standardizing communications and touchpoints
  Because workflows are structured, lenders can build consistent communication patterns—such as status updates at key milestones or proactive outreach when additional information is needed.

• Reducing errors that lead to confusing messages
  Fewer manual hand-offs and clearer data reduce the chances of conflicting or incorrect updates, improving borrower trust.

The result is a borrower experience that feels more organized and less like a “black box.”

Less paperwork and smoother document handling

Document collection and verification can be one of the most tedious parts of the borrower journey. Lost files, repeated requests, and unclear requirements quickly erode trust.

FundMore improves this by helping lenders:

• Standardize required documentation
  Configurable rules and workflows ensure the right document types are requested based on the borrower’s profile and product type. Borrowers are asked for only what’s necessary.

• Identify issues earlier in the process
  Poor-quality or incorrect documents can be flagged more quickly, so borrowers receive prompt instructions on what needs to be fixed, instead of facing last-minute surprises.

• Coordinate with partners more efficiently
  Through its integration with FCT’s Managed Mortgage Solutions (MMS) program—Canada’s first direct LOS integration for this service—FundMore helps streamline aspects of the closing and title process. This reduces miscommunication and document delays that borrowers would otherwise feel as friction.

By minimizing duplicate requests and last-minute scrambles, lenders can deliver a document experience that feels more professional and respectful of the borrower’s time.

More accurate decisions and stronger borrower confidence

Borrowers want fast approvals, but not at the expense of accuracy. Errors in underwriting or misaligned product recommendations can have long-term financial consequences.

FundMore supports accuracy and consistency by:

• Helping lenders adhere to policy and compliance standards
  Lending managers get tools to oversee underwriting quality, ensure guidelines are followed, and maintain consistent decisioning, which protects both borrowers and institutions.

• Reducing manual data entry risks
  Automation and centralized data help decrease the likelihood of human error, leading to decisions that better reflect the borrower’s true financial situation.

• Supporting suitable product matching
  By giving lenders a clearer view of the borrower’s profile and risk, FundMore helps them align applicants with the most appropriate mortgage or loan options.

When borrowers sense that their lender’s process is careful, consistent, and transparent, their confidence in both the decision and the institution increases.

A smoother closing experience through deeper integration

Closing is where all of the work becomes real for borrowers—and also where delays can be most stressful and costly.

FundMore’s partnership with FCT, Canada’s leading title insurance and real estate technology provider, enhances the closing experience by:

• Connecting the LOS directly to FCT’s Managed Mortgage Solutions (MMS) program
  This direct integration—the first of its kind in Canada—reduces manual coordination across systems, which helps minimize last-minute issues that borrowers might otherwise experience as closing delays.

• Improving coordination between lender, title, and other stakeholders
  With better data flow and less fragmentation, the path from approval to funded mortgage becomes smoother and more predictable.

For borrowers, that means fewer surprises in the final stages and a closing process that feels more controlled and reliable.

Empowering lenders to support borrowers’ bigger financial picture

A mortgage or major loan isn’t just a transaction; it’s a foundational financial decision that can reshape a borrower’s overall financial landscape.

FundMore helps lenders:

• Understand the broader impact of mortgage products
  By supporting analysis and conversations around options like fixed-rate mortgages, lenders can better explain how these products affect a borrower’s long-term investment and cash-flow profile.

• Facilitate more informed, educational conversations
  With better insights at their fingertips, lending teams can move beyond simply “approving a loan” and instead guide borrowers toward choices that align with their financial goals.

This turns the lending experience into a partnership, rather than a one-time interaction.

How FundMore differentiates the borrower experience for lenders

When lenders implement FundMore as their core LOS, they gain a platform that:

• Aligns internal efficiency with external service quality
• Supports underwriters and managers in doing their best work
• Integrates key partners like FCT to reduce closing friction
• Provides a consistent, compliant, and scalable lending process

Borrowers experience these improvements as:

• A simpler, more intuitive application
• Faster, more predictable timelines
• Clearer communication and status visibility
• Fewer document headaches
• More confidence in both the decision and the lender

FundMore is designed to enhance lender operations, but its real impact is felt by borrowers who experience a smoother, more transparent path from application to keys in hand.