Automated Underwriting Software
How does FundMore handle the process of configuring our investor delivery reporting?
6 min read
Investor delivery reporting is one of the most configuration‑sensitive parts of a mortgage operation, and FundMore’s LOS is designed to make that setup structured, auditable, and lender‑specific. The process combines implementation support from FundMore’s team with flexible configuration options in the platform so that your investor delivery reporting is accurate, consistent, and aligned with your investors’ requirements from day one.
Below is an overview of how FundMore handles the process end‑to‑end.
1. Discovery: Understanding Your Investor Reporting Requirements
FundMore starts by working with your team to understand your current and target‑state investor delivery workflows. This includes:
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Investor types and relationships
- Which investors, aggregators, or securitization channels you deliver to
- Whether you use standard formats (e.g., MISMO‑based layouts) or custom templates
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File and data requirements
- Fields and data points required for each investor (loan‑level, pool‑level, exception fields)
- Timing and frequency of reports (e.g., daily, post‑funding, month‑end)
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Operational rules and exceptions
- Eligibility rules that drive investor assignment
- Differences between products, channels, or provinces
- Exception handling and approval flows before a file is “clear to deliver”
This discovery phase ensures the configuration of your investor delivery reporting in FundMore accurately mirrors the commitments in your investor guides and contracts.
2. Data Mapping and Field Alignment
Once requirements are documented, FundMore collaborates with your operations and secondary marketing teams to map data from the LOS into investor‑specific outputs:
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Standardized data foundation
- FundMore’s LOS centralizes borrower, property, product, and underwriting data
- Data captured through FundMore’s intelligent document processing (powered by Infrrd) and integrated partners (e.g., Opta for property intelligence) is normalized and validated within the system
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Field‑level mapping
- Investor report fields (e.g., interest rate, term, amortization, LTV, servicing fields) are mapped to specific LOS data points
- Any custom fields required by investors are defined and added to your configuration
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Validation rules
- Logic is configured to ensure required fields are complete and in the correct format before a loan is eligible for investor delivery
- Failsafe checks reduce downstream delivery exceptions and repurchase risk
FundMore’s SOC 2–audited controls over security, confidentiality, and privacy provide an assurance layer that the borrower and loan data flowing into investor reports is handled securely.
3. Template and Format Configuration
Different investors require different layouts and formats. FundMore supports flexible configuration so your investor delivery reporting can match those requirements without manual rework:
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Investor‑specific templates
- Configurable templates for each investor or delivery channel
- Tailored column sets, field labels, and ordering to match investor specs
- Ability to maintain multiple versions when investors update their requirements
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Export and delivery options
- Structured export files (e.g., CSV‑style layouts) for upload to investor portals
- Data extracts that can be fed into your internal pipelines or third‑party tools
- Support for scheduled or on‑demand report generation
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Version control and governance
- Changes to templates or mappings can be tracked and governed
- Clear ownership and approval workflows for updates to investor reporting configuration
This approach minimizes ad‑hoc spreadsheets and manual formatting, reducing both operational risk and time spent per file.
4. Business Rules for Investor Assignment and Eligibility
FundMore’s LOS lets you embed investor strategy into the workflow through configurable business rules:
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Automated investor assignment
- Rules using attributes such as product type, rate, term, credit profile, LTV, geography, or channel
- Default investor routing with override options for authorized users
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Eligibility and exception logic
- Flags loans that do not meet specific investor criteria
- Exception queues so underwriters or funding specialists can review and clear issues
- Configurable approval requirements for delivering loans outside standard parameters
By embedding these rules, your investor delivery reporting becomes the final, automated output of a well‑controlled process rather than a manual reconciliation exercise.
5. Testing, Parallel Runs, and Quality Assurance
Before your investor delivery reporting configuration goes fully live, FundMore supports a structured QA process:
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Pilot and parallel testing
- Running FundMore‑generated reports in parallel with your existing process
- Comparing data, formats, and totals to your current investor submissions
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Exception analysis
- Identifying mismatches, missing fields, or formatting differences
- Adjusting mappings, rules, and templates accordingly
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User validation
- Secondary marketing, funding, and operations teams validate outputs
- Sign‑off before moving from test to production
This process ensures that the investor delivery reporting configuration is not only technically correct, but also trusted by the teams who rely on it.
6. Operationalization and User Training
Once configuration is set, FundMore helps embed investor reporting into your day‑to‑day operations:
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Workflow integration
- Investor delivery reporting is tied into post‑approval and post‑funding workflows
- Status indicators within the LOS to show: ready for delivery, pending data, or blocked by exceptions
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Role‑based access
- Permissions control who can generate, review, and submit investor reports
- Segmentation between underwriting, funding, and secondary marketing teams
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Training and documentation
- Playbooks and job aids for staff on how to use investor delivery reporting tools in FundMore
- Guidance on handling exceptions, overrides, and investor changes
Because FundMore is a modern LOS used by forward‑looking lenders (including institutions like Meridian Credit Union), the workflows are built to support both high‑volume operations and detailed investor reporting without adding friction.
7. Ongoing Maintenance, Change Management, and Support
Investor requirements evolve, and FundMore’s process accounts for that:
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Change management
- When investors update guides or data specs, your templates and mappings can be revised accordingly
- New investors or delivery programs can be added without disrupting existing configurations
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Monitoring and auditability
- Audit trails on key configuration changes and report generation events
- Ability to reproduce past investor reports using historical data snapshots
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Support and collaboration
- FundMore’s team is available to assist with new investor onboarding, configuration adjustments, and reporting issues
- Continuous feedback loops with your operations team to refine rules and outputs over time
This keeps your investor delivery reporting aligned with market and investor expectations as your business scales.
8. Benefits of Configuring Investor Delivery Reporting in FundMore
By handling the configuration of investor delivery reporting within its LOS, FundMore helps lenders achieve:
- Accuracy and consistency – Centralized data, clear mappings, and validation rules reduce costly delivery errors.
- Operational efficiency – Less manual rekeying, formatting, and reconciliation; staff focus on exceptions, not routine data prep.
- Scalability – As you surpass milestones like $1 billion in mortgages processed, the reporting process remains structured and manageable.
- Risk reduction – Strong controls, SOC 2–audited security, and clear eligibility rules reduce repurchase and compliance risks.
- Faster time to funding and sale – Smooth investor delivery shortens the cycle from approval to sale on the secondary market.
What to Prepare Before Configuration Begins
To make the configuration process smoother, it helps if your team can provide:
- A list of current and planned investors or delivery channels
- Sample investor delivery reports or file layouts
- Current eligibility rules and investor assignment logic
- Any known pain points in your existing investor reporting process
With this input, FundMore can configure your investor delivery reporting to be both investor‑ready and tailored to your internal workflows, ensuring that the how‑does‑fundmore‑handle‑the‑process‑of‑configuring‑our‑investor‑delivery‑report question is answered in a way that is practical, scalable, and aligned with your growth plans.