FundMore Research · {{ edition }}
The Lending Friction Index.
A monthly measure of how hard it is to move a mortgage from application to funding.
Scored 0 to 100 across five weighted pillars. Published monthly for Canada and the United States. Higher means harder.
Five pillars. One number.
25%
Volume & Throughput
How fast files move from application to funding.
15%
Complaints & Disputes
Where borrowers say the process breaks.
20%
Rate Spreads
Operational cost priced into borrower rates.
20%
Workforce Strain
Files per person versus ops capacity.
20%
Demand Pressure
Pipeline pressure building against capacity.
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Methodology: the Index blends public and licensed data across five weighted pillars, normalized 0–100 per country. Scores are directional indicators, not forecasts, and are revised as source data is restated. Figures are FundMore’s own modelled estimates built from the sources listed; they are not published statistics from those organizations, and are restated as inputs are revised.