MKIII offers insurance-secured underwriting models that helps credit unions and banks grow their portfolios while effectively managing their risk/return profile. By combining machine learning-powered credit decisioning with insurance protection from A/AA-rated U.S. carriers, MKIII enables lenders to approve more borrowers, including those they’d otherwise decline without taking on additional balance sheet exposure.

MKIII integrates directly into the MeridianLink loan origination systems, requiring no custom builds. Lenders retain full funding discretion while offloading credit risk through insurance-backed underwriting. The result: expanded lending capacity, improved capital efficiency, and predictable returns without added headcount. Trusted by industry leaders, MKIII has insured 6,000+ loans and counting.