The underwriter isn't slow. The infrastructure around them is.
Stop hiring more people to wait faster. Fix the pipes.
๐ Read the full piece by FundMore founder Chris Grimes: https://t.co/0CVt90JQAp
#MortgageTech#LendingInnovation
15 hours. Then three minutes.
TD's first agentic AI application went live for mortgages and HELOCs. Pre-adjudication, which used to take 15 hours now averages under three minutes.
https://t.co/JNDyJwUhJy
The average loan touches 20 systems before it funds, and none of them know about the file as a whole. That gap between good tools is where time, money, and borrowers get lost.
"You don't have a tool problem. You have an architecture problem."
https://t.co/auPMcd9Ze4
$401B in non-bank residential mortgage debt; up 19% since 2020.
65,233 private mortgages in Ontario alone, worth $32B.
Over 50% of Canadian mortgages renewing between Jan 2026 and end of 2027.
https://t.co/rsI9WcGDMA
Our CEO, Chris Grimes, just published a piece that is worth a read for anyone building or leading teams right now.
"Stop counting jobs. Start counting friction."
https://t.co/27987kXnCn
VersaBank is the last datapoint from the legacy regime and the first signal of where the new one is calibrated. The institutions that internalize that early will avoid being the first datapoint inside the new framework.
https://t.co/MnZGybhzuD
The biggest cost in your company isn't on any line item. It's the friction between your systems, your processes, and your people's attention.
https://t.co/5BUwewqYIa
For banks, credit unions, and fintech lenders, the question is no longer whether the operating environment is changing. It is whether your origination, AML, and partnership stack is ready for the four pillars at the same time.
https://t.co/LtKlXOQiZH
Take the best engine from a Rolls-Royce, the best transmission from a Mercedes, the best battery from a Tesla. You don't get a car. You get a parts problem. Your lending stack is that car.
https://t.co/EbDms170C7
#KillTheStack
We are very excited to share that our founder and CEO Chris Grimes is now on Substack!
If you're a lender and your systems aren't keeping up with the work, subscribe to Kill The Stack for weekly insights.
https://t.co/uMl2OKDode
The numbers: 35 CUs, 8 provinces, $13 billion in assets under administration, 373,000 members, one shared cloud-native engagement platform.
https://t.co/dCNcvZurWL
Weโre bringing the smoothies ๐ฅค
FundMore is excited to announce that we will be sponsoring the smoothie bar at CCUA 2026!
Stop by, grab a drink, and say hi ๐
Canada's financial rulebook is being rewritten. Not in one move, but in four simultaneous ones.
Each change looks incremental on its own. Together, they describe a financial system that operates fundamentally differently by late 2027.
https://t.co/11lh5VR6Ux
The global tokenized asset market is projected to reach $11 trillion by 2030. The rules governing how Canadian lenders participate are being written right now.
https://t.co/wsbgwz8rsB
FundMore is proudly headquartered in Ottawa ๐จ๐ฆ
So attending CCUA 2026 feels especially meaningful for our team.
Weโre excited to connect with the community and be part of the conversations shaping whatโs next in lending.
Letโs connect if youโll be there.
$1.6 billion in a single quarter. That is how much capital flowed into Canadian fintech in Q4 2025, a 52% jump year-over-year.
New research confirms 47% of Canadians are already using digital-first banks.
https://t.co/0LeAKdmRUP
Every approved mortgage has a story.
Every declined one has a reason.
And behind bothโฆ thereโs an underwriter.
Happy National Underwriter Appreciation Day!