MeridianLink Mortgage Credit Link (MCL)

Mortgage Credit Link (MCL) is a plug-and-play web-based order fulfillment hub. It simplifies product ordering with an web interface and integrated tools for order fulfillment. The solution provides verification services and services such as trended credit data and analytics. Its product and service APIs allows for integrations into any application for a more seamless experience and to eliminate human error and to reduce costs. It features integrations into loan origination systems and automated underwriting systems such as Ellie Mae’s Encompass and Fannie Mae’s Desktop Underwriter.

Features

• Streamlined Order Fulfillment: MCL offers products and services such as trended credit data and analytics to optimize performance. SmartPay can be used to create a custom consumer-facing lead generation and credit ordering portal.
• Tri-merged Credit Reports: Pull credit bureau data from Equifax, Experian and TransUnion within seconds. A sophisticated algorithm balances variations in reports to create a single, highly accurate credit report.
• All-encompassing Integrations: Connections to report vendors and loan origination systems and automatedunderwriting systems, including Ellie Mae’s Encompass, Fannie Mae’s Desktop Underwriter, and Freddie Mac’s Loan Prospect Advisor. Customers can also build their own connections using XML APIs.
• Consolidated Management: Manages business operations including processing supplement requests, rescore requests and manual verification services. Includes built-in billing tools, management reports and user account management features.
• Reporting: Download reports on sales volume, regional activity, accounting and profitability. Manage user accounts for ordering and billing preferences. Access rights and corporate structures on one page. Automate invoicing and easily export billing data into QuickBooks or other accounting systems.
• Task Management Tools: Integrated automation tools for task management and communication tools for customer interaction. Paperless document management with document editing and sending abilities directly in the application. Built-in faxing enables efficient workflows and centralized operations.
• Automated Payments: Make or schedule automatic credit card or ACH payments directly in MCL. Access information on past account activity including invoices, downloadable reports and spreadsheets.