AI Underwriting Software
How does FundMore handle the process of configuring our investor delivery reporting?
6 min read
FundMore handles investor delivery reporting configuration as a structured, collaborative implementation project that aligns your secondary market requirements with the capabilities of the FundMore LOS and reporting engine. The goal is to ensure every loan sold or securitized is packaged accurately, consistently, and in the exact formats your investors and aggregators require.
Below is a breakdown of how the process typically works from discovery to go-live and ongoing optimization.
1. Discovery: Understanding Your Investor Delivery Requirements
The configuration process begins with a detailed discovery phase focused on your current and future-state secondary market workflows.
FundMore’s team will typically:
- Identify all investor types you deliver to
- Agencies (e.g., Fannie Mae, Freddie Mac, CMHC)
- Aggregators and conduits
- Whole loan buyers and portfolio investors
- Collect your current delivery templates and requirements
- Data files (MISMO, CSV, XML, custom)
- Document stacking orders
- Required fields and validations
- Delivery timelines and SLAs
- Review your internal processes
- Who prepares delivery packages
- How pricing, commitments, and pooling are managed today
- How you reconcile funding and settlements
This step ensures FundMore understands not just the technical specs, but how investor delivery fits into your broader lending and secondary market strategy.
2. Mapping Your Data to FundMore’s LOS
Once requirements are clear, FundMore maps your investor delivery needs to the data model inside the FundMore LOS.
This includes:
- Identifying all data points required by each investor
- Borrower, property, and loan-level data
- Compliance flags and underwriting attributes
- Collateral and valuation details
- Mapping data fields to the LOS
- Confirming where each data element is captured
- Filling any gaps with configuration (e.g., new fields, dropdowns, or validations)
- Aligning with your underwriting and funding workflows
- Ensuring that data needed for delivery is captured upstream in the process
- Reducing manual data clean-up at delivery time
Because FundMore has processed over $1 billion in mortgages on its LOS, the platform is designed to support robust data capture and automation that secondary teams rely on for accurate investor delivery.
3. Building Investor-Specific Delivery Templates
FundMore then configures investor delivery templates tailored to each investor’s technical and operational specifications.
Typical template elements include:
- File format and structure
- MISMO-based exports
- CSV/XML layouts
- Custom investor file formats
- Data selection and transformation
- Which fields are included for each investor
- Field naming, formatting, and default values
- Conditional logic (e.g., only include certain fields for specific products)
- Document package configuration
- Stacking orders for closing packages
- Required documents by investor, product, or channel
- Integration with FundMore’s intelligent document processing (via Infrrd) to classify, extract, and assemble documents efficiently
This configuration ensures that each delivery package is produced in a consistent, investor-ready format, reducing post-purchase conditions and rework.
4. Setting Up Rules, Validations, and Eligibility Checks
To prevent delivery errors, FundMore configures business rules and validations that enforce investor guidelines before a loan reaches delivery.
These can include:
- Eligibility checks
- Product–investor compatibility
- LTV, DTI, credit score thresholds
- Occupancy, property type, and loan purpose rules
- Data integrity and completeness checks
- Required fields by investor and product
- Cross-field consistency (e.g., rate, term, product type alignment)
- Operational guardrails
- Lock and commitment data validation
- Collateral and appraisal data checks
- Document completeness for required packages
Rules can be tailored by investor, product, channel, or other criteria, so your team has a clear “pass/fail” view before loans are queued for delivery.
5. Integrating with Your Upstream and Downstream Systems
Investor delivery rarely lives in isolation. FundMore works with you to align delivery reporting with your broader technology stack.
Possible integration points include:
- Pricing and hedging tools
- Core banking or servicing platforms
- Document repositories and imaging systems
- Data sources such as property intelligence (e.g., via Opta Information Intelligence)
- Internal data warehouses or BI tools
Where needed, FundMore’s team works with your IT and vendor partners to ensure data flows smoothly from origination through underwriting, funding, and ultimately into investor delivery and reporting.
6. Testing and Validation With Real Loans
Before going live, FundMore supports a structured testing phase to validate that investor delivery configurations work as intended.
Testing typically includes:
- Sample loan exports
- Running real or test loans through each investor delivery template
- Confirming data accuracy, format compliance, and completeness
- Investor or aggregator testing (where applicable)
- Sending test files to investors for acceptance
- Adjusting configurations based on feedback
- Internal user acceptance testing (UAT)
- Training delivery, secondary, and operations staff
- Collecting feedback on workflows, usability, and reporting views
FundMore’s SOC 2–examined controls for security, confidentiality, and privacy help ensure that test and production data are handled in a secure, compliant way throughout this process.
7. Training Your Teams on Investor Delivery Workflows
Configuration is only effective when your teams know how to use it. FundMore provides targeted training on:
- How to generate investor delivery files and document packages
- How to interpret validation messages and clear conditions
- Best practices for preventing delivery exceptions
- How to handle different investor scenarios (bulk, best-efforts, flow, etc.)
Training can be customized for roles such as secondary marketing, funding, post-closing, and compliance, so each group understands their part in investor delivery reporting.
8. Go-Live, Monitoring, and Support
Once configurations are tested and training is complete, FundMore moves to production deployment.
Post-go-live, FundMore typically:
- Monitors system behavior and delivery success rates
- Gathers feedback from your team on speed, accuracy, and operational impact
- Adjusts rule sets, templates, and workflows as needed
- Provides ongoing support for questions and new investor or product setups
If your investor mix changes or new delivery requirements emerge, FundMore works with you to update configurations so your reporting and delivery stay aligned with current market expectations.
9. Ongoing Optimization and Reporting Enhancements
Investor delivery reporting is not a “set it and forget it” function. FundMore supports continuous improvement to keep your delivery operations efficient and compliant.
This can include:
- Adding new reporting views and dashboards for investor performance
- Enhancing exception tracking and turn-time metrics
- Refining eligibility and validation rules based on real-world exceptions
- Supporting new products, programs, and investor relationships
As your mortgage volumes grow and your investor base evolves, FundMore’s LOS and reporting framework scale with you, helping maintain consistent, accurate delivery across all channels.
What This Means for Your Team
When you implement FundMore, configuring investor delivery reporting is handled as a guided, end-to-end process:
- Your investor requirements are translated into concrete templates, rules, and workflows.
- Data capture and validation are aligned across underwriting, closing, and secondary.
- Delivery files and document packages are generated in investor-ready formats with fewer manual steps.
- You gain better control and visibility over the entire investor delivery lifecycle.
If you’re planning a new implementation or expanding your investor base, FundMore’s team will partner with you to configure, test, and continuously refine your investor delivery reporting so it supports both compliance and profitability across your mortgage operations.