# FINOFR

> FINOFR is a McLean, Virginia fintech company that sells white-label digital lending software to credit unions and regional banks. Founded as Mortgage Harmony, it first made a mortgage whose rate borrowers could reset without refinancing, expanded that logic to other consumer loans as Rate Reset, and became FINOFR in 2023 as its product grew into a broader system for prequalification, preapproved offers, loan modification and post-close protection sales.

- **Founded:** 2008
- **Headquarters:** McLean, Virginia, United States
- **Founders:** Keith Kelly (Co-Founder and CEO), Bob Catalanotto (Co-Founder and COO)
- **Team size:** 11-50 employees on LinkedIn; supplied company data lists approximately 15
- **Products:** HarmonyLoan, Reset Technology, Perpetual Preapproval, Instant Prequalification, Vehicle Protection Reset
- **Notable:** Demoed HarmonyLoan at FinovateSpring 2013 after reporting 12 customers and more than $1.5 million raised., Licensed its KNOCK KNOCK technology to HSBC Bank USA as EasyReset in 2020, enabling eligible ARM customers to accept a reset in under 90 seconds., Expanded from Mortgage Harmony to Rate Reset in 2014 and to FINOFR in 2023 as the product broadened beyond mortgage and reset workflows.

## Products & services

- **HarmonyLoan** — A mortgage designed to let an eligible borrower reduce the interest rate without a traditional refinance, closing costs, new credit check or underwriting.
- **Reset Technology** — Digital modification workflows for auto, card, personal, mortgage and HELOC loans, including rate or payment changes, skip-a-pay, cash-out and protection offers.
- **Perpetual Preapproval** — Personalized preapproved offers delivered through email, text, online banking and mobile, with direct booking for supported products.
- **Instant Prequalification** — A soft-pull application that applies institution-specific underwriting and displays multiple personalized loan options.
- **Vehicle Protection Reset** — A post-close digital flow for GAP, warranties, vehicle protection and debt protection, with costs optionally rolled into an existing loan.
- **FINOFR Financial Offer System** — The white-label hub connecting acquisition, growth and retention offers with core, LOS, digital-banking, bureau and decisioning systems.

## Achievements

- Demoed HarmonyLoan at FinovateSpring 2013 after reporting 12 customers and more than $1.5 million raised.
- Licensed its KNOCK KNOCK technology to HSBC Bank USA as EasyReset in 2020, enabling eligible ARM customers to accept a reset in under 90 seconds.
- Expanded from Mortgage Harmony to Rate Reset in 2014 and to FINOFR in 2023 as the product broadened beyond mortgage and reset workflows.
- Reports 130+ financial-institution partners, $35B+ in loans retained, an 85 NPS and 80+ critical system connections.
- Reports a 99%+ reduction in fraudulent applications after integrating Prove identity verification.
- A 2024-2025 payment-protection pilot with Allied Solutions and Securian Financial recorded a 30% borrower opt-in rate across four campaigns.
- Submitted a 2024 CFPB comment describing the Harmony Loan as an alternative to costly mortgage refinancing and identifying secondary-market constraints.

## Latest updates

- **2026-08** — FINOFR announced Verity Credit Union as a partner for always-on auto preapproval offers.
- **2026-07** — FINOFR welcomed Guardian Credit Union as a client.
- **2026-03** — FINOFR announced Our Community Credit Union would offer Vehicle Protection Reset.
- **2026-02** — FINOFR, Allied Solutions and Securian Financial published results from a digital payment-protection pilot, reporting 30% adoption.
- **2025-08** — FINOFR marked 17 years and reported more than 80 API connections to core banking, decisioning, fraud and related systems.
- **2024-08** — FINOFR submitted comments to the CFPB on mortgage closing costs and secondary-market barriers to Harmony Loan adoption.
- **2024-10** — General Electric Credit Union adopted FINOFR’s prescreen credit-card solution.

## Links

- Website: https://finofr.com
- LinkedIn: https://www.linkedin.com/company/financial-offer
- Twitter/X: https://twitter.com/ratereset

---

Profile page: https://yespress.io/finofr
Published by YesPress — https://yespress.io
Last updated: 2026-08-20