The materials available in this article are for informational purposes only and not for the purpose of providing legal advice. You should contact your own advisors with questions regarding the mortgage lending software content herein. The opinions expressed in this article are the opinions of the individual authors and may not reflect the opinions of MeridianLink, Inc.
Independent mortgage banks (IMBs) now handle the majority of mortgage originations. However, even with that growth, IMBs experienced pre-tax net losses per loan in Q4 2024 and Q1 2025. Q2 2025 brought some relief as margins slightly rebounded due to seasonality and short-term cuts. But uncertainty remains in the current mortgage market.
Amid rising fulfillment costs, shrinking per-loan income, and efficiency- and innovation-stifling legacy loan origination software, IMBs are feeling the pressure when it comes to growing and maintaining profitability. How do they increase and sustain their margins in challenging markets, or even in more favorable conditions?
It Starts With Your Mortgage Lending Software
The key to profitability and continuous growth, no matter the market conditions, is mortgage origination technology that can reduce per-loan expenses, shorten cycle times, and eliminate expensive workarounds required by many legacy systems.
That’s why IMBs are increasingly turning to MeridianLink® Mortgage. With configurable automation, a built-in product pricing engine, and hundreds of compatible third-party vendor solutions, our mortgage lending software supports smarter workflows that can reduce loan costs while boosting margins.
The savings don’t stop at loan costs, either. Take unnecessary strain and time-consuming tasks off your IT department’s plate with MeridianLink Mortgage’s scalable, cloud-based platform that lowers expenses and frees up your valuable resources to be used where they’re most needed.
Concerned about a time-consuming LOS adoption process? Discover MeridianLink’s Digital Progression Model. We help by providing a proven, multi-phase blueprint tailored to your unique goals and resources to minimize stress every step of the way.
Beyond the savings are the opportunities to grow business. While automation can save time and money, it can also:
- Accelerate approvals and closings to increase pull-through rates.
- Create seamless, fast experiences that encourage more borrowers to see their applications through to closing.
- Expand lending capacity to handle greater volume within your existing teams.
Ready to start increasing business and saving more per loan as you grow? Learn more about how MeridianLink Mortgage can support your IMB with lasting results.
