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.
A Homebuyer’s Tale
Meet Maddie, a mother of two who was ready to trade in the two-bedroom, two-bathroom starter house for the home she dreamed of her kids growing up in.
With a solid downpayment set aside and a general budget in mind, it was time to head to her financial institution, apply for a mortgage, and begin the search! However, her journey took a slight detour when she did some extra research and found slightly better rates online with another FI. Little did she know that this would be the beginning of a beautiful relationship with an institution that really understands her needs.
You see, that financial institution uses MeridianLink® Mortgage lending software. Thanks to its user-friendly point-of-sale system—with a customizable, on-brand interface—Maddie had a smooth start. The built-in product and pricing engine gave her accurate, real-time quotes across multiple loan options, helping her find the best rate and terms. And with automated underwriting, the rest of the process moved just as quickly.
She received her pre-approval letter quickly, so when she found her perfect home, she didn’t hesitate to make an offer. Once that offer was accepted, Maddie’s loan sailed through approval, and she closed in just 30 days. Before she knew it, she was unlocking the front door and mitigating a heated debate among her kids over who gets which bedroom.
The end? Quite the opposite—it was just the start.
Before Maddie bought her new home, she’d made some small improvements to her old one using a couple of credit cards. Although the balance was small compared to her overall credit line and she planned to pay it off within the year, the new FI flagged this opportunity. This was possible thanks to the seamless integration of their MeridianLink consumer and mortgage lending software, which quickly identified that detail and acted on it. As a result, upon completing her mortgage application, Maddie was presented with a personalized offer to consolidate those credit card debts into a single, lower-interest loan payment.
How could she say no? Due to MeridianLink’s technology, Maddie now has a more affordable monthly payment, especially alongside a mortgage. And that’s how her relationship with the new FI began to flourish.
Even after Maddie completed her homebuying journey, the FI stayed connected. It began with a simple thank-you note—a gesture that made her feel appreciated. From there, the FI leveraged the connection between their mortgage lending software, consumer LOS, and core systems to gain a clear view of her financial profile. Over the next few months, she received helpful financial education and relevant offers perfectly aligned with her evolving needs and goals.
When your mortgage lending software turns transactions into relationships, incredible results follow.
With all the beneficial, personalized outreach, Maddie’s trust in the institution continued to grow. She felt valued as a person, not just another sale. Real advice and targeted, timely opportunities reached her where she was in her financial journey. After so many positive interactions, she realized her old bank just wasn’t cutting it anymore. She was tired of the shot-in-the-dark offers sent en masse with little-to-no meaningful support or guidance. When comparing her old FI to the new one, the choice was clear. It was time to upgrade her banking and lending experiences. So, Maddie moved all her accounts to the new, MeridianLink-powered institution where she took out her mortgage.
This type of story happens every day. The rise of digital-first banking and lending has made interactions faster and more seamless than ever. But it can also make the service feel impersonal. Even when the data is there, it’s often underused or siloed, falling short of delivering truly personalized experiences that treat people as individuals with unique needs. The result? Higher attrition, lower campaign ROI, and missed opportunities to engage customers in meaningful, growth-focused ways.
MeridianLink is here to make sure that doesn’t happen to you.
The MeridianLink® One product suite—including the integrated MeridianLink Mortgage and MeridianLink Consumer loan origination systems—turns digital capabilities into meaningful, data-driven engagement that puts people first.
The digital lending platform uses the latest consumer data to spot personalized cross-sell opportunities that meet each individual’s real, current needs. That data can also be used in combination with marketing automation tools like as MeridianLink® Engage, so you can reach those segments more effectively. With better data and smarter technology, these personalized experiences can lead to:
Greater Trust
A focus on building strong relationships that offer solutions rather than arbitrarily pushing products can significantly boost loyalty. You become the trusted advisor that consumers turn to for support. A sharp contrast to the institution spewing endless offers for unnecessary services.
Impactful Campaigns
Tailored outreach means less potential to over-sell. Campaigns and segmentation backed by data mean more sensitivity toward consumer preferences. When you target groups most likely to engage from the start, you increase the likelihood of greater ROI for each campaign.
Increased Wallet Share
Customized offers are strategic offers. When customers get solutions that actually fit their needs, they feel understood and appreciated, which builds trust and satisfaction. That turns everyday customers into loyal advocates who borrow more, bank more, and stick around longer. And FIs with strong customer advocacy can see up to 30% more share of wallet.
Greater Long-Term Value
Promote with a purpose. Offering products and services that directly benefit individuals goes beyond quick wins and short-term growth. It sets the stage for lasting business by increasing the types of relationships your consumers have with your institution. For our Maddie, it began with a mortgage, then it revealed an opportunity to pay off credit card debt faster and more affordably. And that’s just one example. FIs that invest in building real connections like this can see up to 2.6× higher revenue growth over time.
Experience the MeridianLink Difference
See how MeridianLink Mortgage and Consumer can work together to help you deliver more for your borrowers and your financial institution. Schedule a demo today to see this powerful duo in action and start building loyal, long-term relationships with lasting growth potential.
