What We Have to Offer

With SmartAPI, there is an incredible amount of Service options to suit your needs. Below is a list of the different product types we offer.

• Credit Verification - Consumer Credit Reports and Undisclosed Debt Notifications from the national credit reporting agencies, credit analysis tools, and Business Credit Reports
• Property Verification - Flood Certifications and Automated Valuation Models
• Employment Verification - Instant and manual verifications of employment
• Income Verification - Tax return transcript verification directly from the IRS
• Asset and Deposit Verification - Electronic verification of assets and manual verification of deposit
• Identity Verification, Validation, and Authentication - Red Flags Identity Reports, SSA-89 SSN Validation, and Knowledge-based/Out-of-Wallet authentication
• Watchlist Verification - OFAC, SAM, National Appraiser Registry, Customer Uploaded Lists and others to assist with compliance in BSA, USA Patriot Act, and Fannie Mae LQI
• Packaged Reports - Customizable fraud detection reports for data verification, validation, and discovery on borrowers, properties, and participants

Receipt of this data may be dependent upon your organization having a contract with the data provider. Please contact MeridianLink for further details on how to contract with these vendors.

Only Buy What You Need

Don't pay more than you have to. SmartAPI can utilize sophisticated SmartSelect technology and only deliver products based on intelligent analysis of certain product results. This cascade reduces cost per consumer by eliminating additional product orders for non-qualified prospects.

With SmartSelect, you can set specific parameters that must be met for a product to complete fulfillment. As an example, if your company only wishes to order a complete trimerge credit report on borrowers with an initial credit score from the first selected bureau exceeds 620, then the credit report fulfillment will cease if the borrower has a 619 credit score. This results in savings on credit reports for potentially non-qualified borrowers. Other attributes can be used to dictate cascade results such as presence of a bankruptcy, collections, or a recent foreclosure.

Access a Large Network of Mortgage Service Providers

MeridianLink partners with over 30 mortgage credit reporting agencies and verification service providers who work with over 150,000 active accounts being used by mortgage brokers and lenders. Our network of diverse service providers gives originators the choice of partnering with the service provider that is right for their business or, in many cases, keeping their existing partnerships.

Speedy, Safe, and Secure

MeridianLink works with many top tier lenders, banks, credit unions and financial organizations to instantly return your orders online. We adhere to the highest standards of security and controls including those of the major credit repositories, PCI, SSAE 16, EI3PA, etc.

One Integration is All You Need

One single integration with MeridianLink's popular SmartAPI connects you to all of MeridianLink's mortgage service providers and verification services. A single XML request is all it takes to place multiple orders for the services needed by originators throughout the loan process. MeridianLink has designed SmartAPI using MISMO 3.4 and the Uniform Loan Application Dataset (ULAD) to make it easy for LOS who are integrated with Fannie Mae and Freddie Mac to reuse existing technology and minimize the effort to integrate.