Meridianlink Pathway

Turn declines into future funded loans

Most financial institutions treat adverse action as the end of the lending journey. Borrowers don’t—they simply continue it somewhere else. And 70% of declined applicants never re-apply with the same financial institution. MeridianLink Pathway changes that by keeping your institution connected until they’re ready to qualify.

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A new way to engage borrowers

MeridianLink Pathway transforms the moment after a decline into an opportunity to build trust and keep borrowers engaged. It provides a personalized, compliant, and fully digital adverse action experience that helps borrowers understand why a decision was made and what to do next, with a clear path back to approval.

How it works

From no to not yet

Decline

When an applicant is declined, Pathway automatically delivers a compliant digital adverse action experience.

Educate

Borrowers receive clear explanations, personalized credit education, and recommendations tailored to your underwriting criteria.

Guide

Using your underwriting criteria, each borrower receives a customized roadmap that outlines the steps they can take to become approval ready.

Reconnect

Pathway tracks borrower progress and identifies when they’re back on the path to approval, so your institution knows when to re-engage.

TRUSTED BY COMMUNITY BANKS, CREDIT UNIONS, AND IMBs

  • municipal credit union logo
  • IHMVCU logo in white
  • coastal credit union logo in white
  • georgia united credit union logo in white
benefits

The new lending journey treats every loan decline as an opportunity to educate, engage, and create a path back to yes

See it in action
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Win back opportunities for growth

Reconnect with borrowers when they’re approval-ready and recover future lending opportunities that would otherwise be lost.

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Strengthen borrower relationships

Replace a transactional decline with a personalized experience that builds trust, demonstrates your commitment to borrowers’ financial success, and keeps them connected to your institution.

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Increase lending team productivity

Reduce repetitive decline inquiries and manual follow-up with automated borrower education and guidance, so your teams can focus on originating and funding more loans.

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Transform compliance into a competitive advantage

Automate adverse action communications while delivering a modern, consistent digital experience that reinforces your brand and borrower commitment.

Find your path to more funded loans

See how you can keep borrowers connected and relationships growing with MeridianLink Pathway

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Customer success stories

  • $2.3M loans funded from previously declined borrowers
    43% of credit scores improved  

    municipal credit union logo

  • $779K loans funded from previously declined borrowers
    45% of credit scores improved  

    Coastal Credit Union logo in black

  • $402K loans funded from previously declined borrowers
    41% of credit scores improved

    Georgia United Credit Union logo in black
One Powerful Platform

MeridianLink One

Unlock your potential by bringing together digital lending and deposit account opening with targeted engagement, personalized service, and powerful data and analytics—all through one seamless platform.

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Blogs to inform and inspire

MeridianLink Pathway is a post-decline borrower engagement solution. It transforms the moment of decline into the beginning of a personalized path to approval by delivering a compliant, digital adverse action experience that helps borrowers understand why a decision was made and the steps they can take to return as stronger applicants. 

MeridianLink Pathway is designed for community banks and credit unions looking to create a more connected lending experience, strengthen borrower relationships, and uncover new opportunities throughout the lending journey. 

When an applicant is declined, MeridianLink Pathway automatically delivers a compliant digital adverse action experience. Borrowers receive clear explanations, personalized credit education, and recommendations tailored to the financial institutions underwriting criteria. Each borrower receives a customized roadmap that outlines the steps they can take to become approval ready. Pathway then tracks borrower progress and notifies your institution when they’re ready to re-engage. 

MeridianLink Pathway provides a personalized, compliant adverse action experience that helps borrowers understand why a decision was made and what to do next, with a clear path back to approval. Notices can be delivered digitally or through traditional print and mail, giving your institution flexibility to meet borrowers where they are. 

MeridianLink Pathway is part of the MeridianLink One platform and our lending lifecycle solution. It connects to your origination and decisioning workflow so that the moment a decision is made, the adverse action and re-engagement experience begins automatically, with no separate system to manage and no data to re-key. Borrowers who become approval-ready flow back into your existing pipeline, keeping the lending experience continuous from first application through funding. 

A traditional adverse action notice communicates a lending decision and fulfills required disclosure requirements. MeridianLink Pathway goes beyond the notice by turning the post-decision experience into an opportunity to engage the borrower. It delivers required disclosures digitally and can provide personalized credit education, actionable next steps, and progress tracking to help borrowers understand how they can work toward future qualification. This helps financial institutions stay connected with borrowers after a decline rather than ending the relationship at the lending decision.