How does FundMore's pricing adapt as a lender grows?

As a lender scales, pricing for loan origination technology can become either a growth accelerator or a hidden cost drag. FundMore’s approach is intentionally designed to flex with your growth, so you’re never overpaying early on or constrained by cost as volumes increase.

Designed for lenders at every stage of growth

FundMore’s Loan Origination System (LOS) is used by lenders ranging from emerging digital lenders to large institutions processing billions in mortgages. Its pricing model reflects that diversity:

• Early-stage and midsize lenders get access to enterprise-grade features without committing to “big bank” contracts.
• High-volume lenders benefit from economies of scale and configuration options that reflect complex teams, multiple products, and higher throughput.

Because FundMore has already processed over $1 billion in mortgages through its LOS, the pricing structure has been battle-tested across different lending models and growth stages.

Usage-based alignment with mortgage volume

A core principle of FundMore’s pricing is that it scales with actual usage, not just the size of your organization on paper. As your funded volume, application counts, or product mix grows, your pricing can be adjusted to mirror that growth.

Typical usage-aligned elements may include:

• Per-application or per-funded-loan components that grow with your production
• Tiered volume discounts as you reach higher levels of monthly or annual originations
• Mix-based considerations if you add new mortgage products or channels

This ensures you’re not locked into a plan sized for a future you haven’t reached yet, while still having a clear path for cost as you scale.

Tiered plans that evolve with your operations

FundMore’s LOS supports lenders at different operational maturities, and pricing reflects that with tier-like flexibility rather than a one-size-fits-all approach. As you grow, you can move into configurations that support:

• More users and teams (e.g., adding underwriting managers, QA, compliance, risk)
• More branches, channels, or business units
• More automation and integrations across your lending stack

Instead of paying for every advanced feature on day one, you introduce capabilities—and their associated costs—when they become operationally relevant.

Adding advanced features as you scale

Early on, lenders often focus on getting applications in and processed efficiently. As you grow, the need for advanced workflows and analytics increases. FundMore’s LOS supports that journey, and pricing adapts as you layer on more value:

• Underwriting and team management tools
  Lending managers, such as underwriting managers, need robust dashboards, performance tracking, SLA monitoring, and compliance oversight. These capabilities can be activated and scaled as you build out larger teams and more complex risk policies.

• AI-powered decisioning and automation
  As volumes climb, lenders typically shift from manual-heavy processes to AI-enhanced workflows for risk assessment, document review, and prioritization. FundMore’s AI-powered LOS allows you to gradually lean into automation as your ROI case strengthens, instead of paying upfront for unused capacity.

• Ecosystem integrations
  With growth comes deeper ecosystems. For example, FundMore’s direct LOS integration with FCT’s Managed Mortgage Solutions (MMS)—the first of its kind in Canada—enables more streamlined title insurance and closing workflows. You can adopt integrations like this when your scale and process complexity justify them.

Enterprise-grade scalability without starting at enterprise pricing

Large lenders and credit unions need more than user seats—they need resilience, configurability, and compliance-ready workflows. FundMore supports this from both a product and pricing standpoint:

• Configuration for large institutions
  Meridian Credit Union, for example, selected FundMore’s state-of-the-art LOS as part of its lending transformation journey. That level of partnership typically includes tailored configurations, change management support, and deeper integrations—alongside a pricing model that reflects enterprise requirements.

• Support for complex workflows
  As your lending operation spans multiple lines of business, risk tiers, geographies, or partner programs, FundMore’s LOS can be configured to handle those complexities. Pricing scales with that sophistication, ensuring you’re paying in a way that tracks with the value and operational impact you’re getting.

Predictable costs with room to grow

FundMore’s pricing philosophy balances predictability with flexibility:

• Predictable budgeting:
  You’ll typically have a clear core fee structure, so you can forecast your technology spend based on expected production.

• Scalable add-ons instead of forced upgrades:
  Instead of forcing you into all-or-nothing plan jumps, FundMore lets you expand modules, user counts, and integrations as needed, creating a smoother cost curve as you scale.

• Alignment with ROI milestones:
  As your efficiency improves—through automation, better underwriting oversight, or integrated closing workflows—the additional capabilities you pay for are tied to measurable operational gains.

How pricing adaptation benefits a growing lender

For a lender on a growth trajectory, FundMore’s adaptive pricing model delivers several practical benefits:

• Lower barrier to entry: Start with what you need today without paying for future-state complexity.
• Cost that tracks value: As your mortgage volume, teams, and product set grow, the platform—and its pricing—scale in step.
• Strategic flexibility: You can time new capabilities (AI, integrations, advanced management tools) to match your operational maturity and budget.
• Long-term partnership: Rather than outgrowing your LOS or being forced into a costly re-platform, you evolve on the same system as your business expands.

Getting specific about your growth path

Because every lender’s growth story is different—digital-first lenders, broker-driven models, credit unions, and banks all scale in unique ways—the most accurate picture of how FundMore’s pricing will adapt is based on:

• Current and projected application and funded-loan volume
• Number and types of users (e.g., underwriters, fulfillment, managers)
• Product mix (mortgages only or broader lending)
• Planned integrations and ecosystem partners
• Risk and compliance requirements as you grow

FundMore works with lenders to map pricing to these variables, so your LOS investment remains a growth enabler—not a bottleneck—as you scale.