Fall 2026 Product Enhancements
Discover the latest innovations across the MeridianLink platform, including AI-powered experiences, smarter automation, and deeper connectivity that help financial institutions make faster decisions, build stronger relationships, and serve more borrowers.
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| Release | Description | |
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| Release | Description | |
|---|---|---|
| Online banking enrollment: Phase 1 (Lumin, Q2, Banno) | Enables approved users to automatically create account credentials, streamlining and accelerating the new account holder onboarding experience. | |
| Electronic payments | A digital funding capability within Access that lets approved applicants fund accounts or payments through a streamlined, modern experience without adding unnecessary steps to the application flow. | |
| Direct deposit switching | Applicants can easily set up direct deposit for recurring income during the application process, helping financial institutions drive account usage, deep engagement, and improve conversion. | |
| Business loans | Enable business owners to apply for credit cards, vehicle loans, and other business financing anytime, anywhere—driving convenience and higher completion rates. | |
| Engage integration | Use PURL capabilities to streamline application submission and facilitate invitations to apply and preapprovals through a seamless, consumer-friendly experience. | |
| Rich text formatting | Create richer, branded experiences with headings, lists, images, links, and flexible content styling—no HTML required. | |
| Expanded font support | Strengthen brand consistency with expanded font options across application experiences | |
| Advance Decision Engine integration | Accelerate lending decisions with real-time data and intelligent workflow automation to boost efficiency while maintaining full control over the lending process. |
| Release | Description | |
|---|---|---|
| REPAY integration | Improves payment accuracy and reconciliation by posting account numbers, correcting receipts, and bringing REPAY invoices into Collect for internal distribution workflows. | |
| Improved case loading performance | Speeds case loading and improve system performance by limiting stored and queried payment history while preserving critical collection and promise-to-pay functionality integrity. | |
| Collect REST API expansion | Support bulk updates, account creation, and deletion through our existing API. |
| Release | Description | |
|---|---|---|
| SWBC Swivel – ACH funding | Initiate and process ACH deposits through SWBC’s gateway, replacing Magic‑Wrighter and delivering reliable, modern funding for new accounts. | |
| Gestalt integration | A cloud-native data warehouse for financial institutions, MeridianLink can deliver a clear, credible solution to the growing demand for centralized, actionable data. | |
| Route 66 Extended Warranty integration | Allows users within an auto loan application to view quotes for extended warranty add on products. | |
| Ottomoto integration | This integration allows dealers using the Ottomoto platform for financing to submit vehicle loan apps for decisioning and processing. | |
| MX: Convert WebMS to floating window | Modify the WebMS/Messages functionality in Modern Experience to be detached from the application page, so that users can move it and reference application data while drafting messages to dealerships and applicants. | |
| IMM/Synergy eSign integration expansion | Build capability into the IMM/Synergic eSign integration within MeridianLink Consumer/Opening for users to append additional documents—uploaded by third-party integrations, applicants, or users—into the eSign sendable in the Consumer/Opening system. | |
| IMM/Synergy eSign integration | Append uploaded documents from third-party integrations, applicants, or users. | |
| Zest Protect AI fraud detection integration | Provides precise risk scores across all fraud types and application types enabling more accurate decisioning to safeguard against potential threats. | |
| SWBC – Unity/PowerBuy Equity Protection Plans | Enables quoting and return of PowerBuy Equity Plans within loan origination, helping financial institutions boost non‑interest income and deliver added borrower protection. | |
| SWBC – Unity/Maintenance Benefit Agreements | Enables quoting and return of Maintenance Benefit Agreements within loan origination, helping financial institutions boost non‑interest income and deliver added borrower protection. | |
| CUDL eContracting integration | Enables the receipt of digital contracts and performs deal‑jacket validation, streamlining indirect auto lending workflows and keeping parity with market competitors. | |
| Modern Experience – data saving | Preserves entered data when navigating between pages and incomplete sections, while automatically refreshing fields and sections based on dynamic logic. | |
| Optimal borrower auto-selection in decisioning | Enables configurable selection of the optimal borrower for automated underwriting when applications include co-borrowers. | |
| Release | Description | |
|---|---|---|
| FINOFR pre-approval API | Vendor-driven API pushes pre-approved vehicle, personal, and credit card loans automatically. |
| Release | Description | |
|---|---|---|
| Access integration | Leverage PURL capabilities to streamline application submission and support targeted invitations to apply and preapprovals. Campaign recipients are directed to a prefilled Access application for consumer lending and account opening, creating a seamless, consumer-friendly experience that reduces friction and increases completion rates. | |
| Marketing API – CRM endpoint | A new external CRM API endpoint gives financial institutions a complete view of how their members and customers engage with campaigns. Institutions can query campaign participation, qualification status, and reward details for any customer in near real time with configurable PII permission levels to safeguard sensitive data and enable personalized outreach and smarter cross-sell conversations. | |
| Home banking language post-submission editing | Update home banking campaign messaging on in-market campaigns without developer intervention. Users can edit and save marketing language on approved and in-market campaigns, or turn home banking off entirely, keeping messaging fresh and accurate throughout the campaign lifecycle. | |
| PURL report on outcomes dashboard | Adds the PURL report to the campaign outcomes dashboard, giving users on-demand visibility into PURL usage. Reports can be downloaded for a single campaign or combined across multiple campaigns into one file, making it easy to measure digital engagement at scale. | |
| FusionAuth / MeridianLink One Gateway authentication | Modernizes Engage login with multi-factor authentication through FusionAuth. All users are seamlessly migrated to the new authentication experience, strengthening security standards and aligning Engage with the broader MeridianLink One platform. | |
| Release | Description | |
|---|---|---|
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| Release | Description | |
|---|---|---|
| Core integration | In pilot: Connect MeridianLink Mortgage directly to your core banking system so loan booking, member and account search, and loan number retrieval happen in real time without manual re-entry. Loan officers stay in one system, data stays consistent between mortgage and core, and funded loans move to servicing faster—reducing rework, keying errors, and turn times at closing. | |
| Aged loan automation | Automatically cancel or delete aged loans based on rules you define for age, status, and loan type. Your pipeline reflects only live opportunities, reporting stays accurate, and managers stop spending cycles on manual cleanup of stale files. | |
| Originator Portal – print docs/forms | Print documents and forms straight from the Originator Portal without logging into the LOS. Loan officers working outside the office can produce what a borrower needs on the spot, saving trips between systems and speeding up document delivery. | |
| Originator Portal – QM page | View QM calculations and qualification details directly in the Originator Portal. Loan officers can confirm points and fees, APR thresholds, and QM status while they are with the borrower, without a separate LOS login or a call to the processing team. | |
| Originator Portal – homeownership counseling | See homeownership counseling organization details in the Originator Portal. Loan officers can provide required counseling information to borrowers immediately, supporting compliance with disclosure requirements without switching into the LOS to look it up. | |
| AiCR integration | Turn unstructured loan documents into structured, review-ready data with AI-powered classification and extraction, reducing manual work and speeding up decisions. | |
| LoanPass integration | Automate underwriting decisions with rules-based eligibility and pricing logic, helping lenders reduce manual reviews and close loans faster. | |
| Ocrolus integration | Automate document processing and income calculations with AI-powered accuracy, helping lenders reduce manual review, speed up underwriting, and close loans faster | |
| Greenline integration | Analyze self-employed borrowers’ bank statements automatically to calculate qualifying income, helping loan officers streamline mortgage underwriting and speed approvals. | |
| American Reporting Company integration | Simplify appraisal management with ARC’s fast, compliant valuations and dedicated concierge service, helping lenders close loans faster across multiple states. | |
| ServiceLink Title integration | Deliver tech-enabled valuation, title, and closing solutions, helping mortgage lenders streamline origination, reduce cycle times, and manage risk through integrated workflows | |
| My Utilities integration | A service that helps people moving to a new home easily compare and set up electricity, internet, TV, home security, and insurance, connecting them with top local providers in one convenient place. |
| Release | Description | |
|---|---|---|
| Alternate product and pricing views: in-application | Loan officers shouldn’t have to navigate outside their active workflow to compare product and rate options. This feature embeds the redesigned PML pricing views directly within the loan application workflow, so originators can access and act on pricing results right where decisions are made. Keeping pricing in context and reduce friction by eliminating the context-switching that slows down loan production. |
| Release | Description | |
|---|---|---|
| SWBC Swivel – ACH funding | Initiate and process ACH deposits through SWBC’s gateway, replacing Magic‑Wrighter and delivering reliable, modern funding for new accounts. | |
| SWBC Swivel – credit card/debit card funding | Enables credit/debit card funding for deposit applications via modern payment rails, replacing legacy gateways and unlocking reliable, revenue‑positive funding. | |
| Members Mobile integration | Generates new member leads through referral rewards and mobile plan discounts, helping credit unions grow membership and deliver added value to existing members. | |
| IMM/Synergy eSign integration | Append uploaded documents from third-party integrations, applicants, or users. | |
| Zest Protect AI fraud detection integration | Provides precise risk scores across all fraud types and application types enabling more accurate decisioning to safeguard against potential threats. | |
| Modern Experience – data saving | Preserves entered data when navigating between pages and incomplete sections, while automatically refreshing fields and sections based on dynamic logic. | |
| Release | Description | |
|---|---|---|
| SmartScreen by Equifax | Instantly receive an Equifax-branded ‘Clear’ Consumer Report when no criminal records are found, streamlining your screening process. |