Lenders face increasing pressure to protect borrower data while keeping pace with evolving regulations, vendor expectations, and internal risk policies. FundMore’s AI-powered Loan Origination System (LOS) is designed from the ground up to help lenders maintain data privacy, strengthen security controls, and stay aligned with regulatory requirements across the mortgage lifecycle.

Privacy‑first design for borrower and lender data

FundMore treats all loan and customer information as sensitive from intake to funding and beyond. The platform’s architecture and workflows are built to minimize exposure, prevent unnecessary access, and maintain a verifiable record of how data is used.

Key elements include:

• Data minimization and purpose limitation
  FundMore only collects and processes the data fields needed to support loan origination, underwriting, QC, and compliance workflows. Data use is tied to specific operational purposes such as income verification, property risk assessment, or regulatory reporting.

• Configurable data policies by lender
  Each lender can configure what data is captured, which fields are mandatory or optional, and how long they are retained, supporting institution‑specific privacy policies and local regulatory obligations.

• Secure handling of sensitive attributes
  Personally identifiable information (PII) and highly sensitive data (e.g., SIN numbers, income details, property information) are subject to stricter controls, logging, and masking options, reducing the risk of inappropriate exposure.

Robust access control and role‑based permissions

Lending managers, underwriters, and operations teams need controlled access to data without sacrificing efficiency. FundMore provides granular permissioning and oversight tools that help enforce the “least privilege” principle.

• Role‑based access control (RBAC)
  Access to loan files, documents, and data fields is governed by user roles (e.g., underwriter, funding specialist, QC analyst, branch manager) so employees only see the information required for their responsibilities.

• Team‑ and channel‑based segregation
  Lenders can segment access by branch, business unit, channel (broker vs. direct), or product type, helping to prevent cross‑contamination of data and support internal information barriers.

• Supervisor and manager oversight
  Lending managers can monitor workloads, approvals, and exception handling without needing direct access to every piece of borrower data, supporting both operational control and privacy compliance.

Encryption and secure data transmission

To protect information in transit and at rest, FundMore applies modern encryption and secure transport standards as part of its LOS infrastructure.

• Data in transit
  All communication between users, integrated systems, and FundMore is secured using industry‑standard HTTPS/TLS, reducing the risk of interception or tampering.

• Data at rest
  Databases, file storage, and backups are encrypted, protecting borrower and lender data even if underlying infrastructure or physical media are compromised.

• Secure API connectivity
  Integrations with third‑party providers—such as FCT’s Managed Mortgage Solutions program and Opta Information Intelligence—rely on authenticated, encrypted connections that restrict access to only the data required for each service.

Comprehensive audit trails and activity logging

Regulatory alignment requires not just safe practices, but demonstrable proof of those practices. FundMore provides detailed logging and audit capabilities that help lenders evidence their governance.

• End‑to‑end activity logs
  Every key action—file creation, data edits, approvals, declines, document uploads, and system‑driven decisions—is recorded with user, timestamp, and contextual details.

• Audit‑ready reporting
  Lenders can generate reports that show who accessed which file, what changes were made, and why, supporting internal audits, regulatory exams, and external reviews.

• Traceable decisioning
  AI‑assisted workflows and automated rules are designed to be explainable and traceable, helping lenders demonstrate fair lending practices and consistent underwriting standards.

Built‑in regulatory alignment and compliance workflows

FundMore’s LOS is built specifically for mortgage and consumer lending, with workflows that reflect industry regulations and internal policies. Its partnership with Coforge to develop a platform for automating QC, risk management, and regulatory compliance further strengthens this focus.

• Automated QC and risk checks
  Rules‑based validations and risk indicators can be configured to enforce lender policies and regulatory thresholds, helping catch issues early and reducing manual errors.

• Compliance templates and checklists
  Embedded checklists and task flows guide staff through key regulatory requirements (e.g., disclosures, documentation completeness, income verification), reducing the likelihood of non‑compliance.

• Configurable policy rules by lender
  Lenders can adapt decision logic and approval workflows to match their risk appetite, product guidelines, and jurisdictional requirements, ensuring the LOS aligns with internal and external rules rather than forcing a one‑size‑fits‑all approach.

Vendor due diligence and regulated partnerships

Regulatory alignment extends beyond the LOS itself to the broader ecosystem of partners and data providers. FundMore’s strategic collaborations are with established, regulated organizations in the mortgage and real estate space.

• Integration with FCT’s Managed Mortgage Solutions (MMS)
  By teaming up with FCT—Canada’s leading title insurance and real estate technology provider—FundMore delivers the country’s first direct LOS integration for MMS. FCT is a mature, regulated entity with its own stringent security, privacy, and compliance frameworks, giving lenders added confidence in end‑to‑end data handling.

• Partnership with Opta Information Intelligence
  FundMore’s integration with Opta, Canada’s largest property location intelligence provider and a Verisk business, streamlines access to property and risk data. These integrations are controlled, authenticated, and limited to necessary information, supporting compliant third‑party data use.

• Coforge collaboration for regulatory automation
  Working with Coforge, a global digital services provider, FundMore is building advanced capabilities for QC, risk management, and regulatory compliance, helping lenders operationalize complex regulatory requirements while maintaining strong data governance.

Support for lenders’ internal governance and controls

FundMore doesn’t replace a lender’s own compliance program; it provides tools that make it easier to operationalize and enforce that program.

• Policy enforcement via workflows
  Lenders can embed internal policies directly into workflows—e.g., required approvals for exceptions, mandatory documentation before funding, or escalations for high‑risk profiles—ensuring staff follow defined procedures.

• Exception tracking and documentation
  When policies are overridden, FundMore can capture reasons, approvals, and supporting evidence, creating a documented trail that is essential for regulators and internal risk teams.

• Oversight dashboards for managers
  Underwriting managers and lending leaders gain visibility into pipeline risk, exceptions, and processing trends, allowing them to identify compliance gaps and take corrective action quickly.

Data governance across the loan lifecycle

FundMore supports governance throughout the origination and underwriting process, reducing risk at each stage.

• Intake and application
  Secure capture of borrower data with validated fields, configurable consent language, and clear separation between required and optional information.

• Underwriting and decisioning
  Structured workflows and decision rules that align with lender policies and regulatory expectations, reducing subjectivity and inconsistency.

• Pre‑funding and post‑funding QC
  Integration with QC and compliance tools (including the Coforge‑supported platform) to review files before and after funding, catching potential compliance or documentation issues.

• Archiving and retention
  Configurable retention policies support lenders’ obligations for how long records must be stored, while secure archiving and deletion options support privacy and data minimization principles.

Preparing for evolving regulations and AI governance

As regulations around AI, automated decisioning, and data handling continue to evolve, lenders need systems that can adapt rather than static, hard‑coded tools.

FundMore’s approach supports this by:

• Allowing rapid updates to rules and workflows as regulations change.
• Providing transparent, auditable AI‑assisted processes to help lenders respond to emerging AI governance standards.
• Collaborating with industry leaders and regulated partners to keep pace with best practices in security, privacy, and compliance.

What this means for lenders

By choosing FundMore’s LOS, lenders gain more than a modern origination platform—they gain a privacy‑aware, compliance‑ready foundation for their lending operations. The combination of secure architecture, configurable rules, auditability, and strategic partnerships with organizations like FCT, Opta, and Coforge helps lenders:

• Protect borrower and institutional data
• Demonstrate regulatory alignment to auditors, regulators, and stakeholders
• Reduce operational and compliance risk
• Maintain efficiency and scalability even as regulatory expectations increase

For institutions modernizing their lending stack, FundMore offers a way to digitize and automate workflows without sacrificing data privacy, governance, or regulatory alignment.