MeridianLink Mortgage

Overview

MeridianLink Mortgage is a cloud-native, 100% browser-based mortgage loan origination system for banks, credit unions and independent mortgage bankers, across retail, wholesale and correspondent lending. MeridianLink's November 2022 release names it MeridianLink Mortgage, formerly LendingQB. Its pricing engine, PriceMyLoan, is built in.

I worked on Mortgage from August 2022 to September 2024 as a software engineer at Bhavna Software India, in a support developer role: workflow automation, pricing and underwriting logic in PriceMyLoan, e-document handling, compliance automation and vendor integrations. The highlighted parts of the map are where that work sat.

1. Where applications start

   Applicants, members, dealers and brokers

   • Online
   • Mobile
   • Branch
   • Indirectauto dealers
   • Brokers and TPOs (this case study)

2. Point of sale

   The application front end

   • MeridianLink Portalsucceeded by Access, Oct 2023
   • Mortgage Accessmortgage point of sale

3. Origination

   Systems of record for loans and accounts

   • MeridianLink Consumerconsumer loan LOS
   • MeridianLink Openingdeposit account opening
   • MeridianLink Mortgage (this case study)mortgage LOS, formerly LendingQB
   • PriceMyLoan (this case study)pricing and eligibility engine

4. Around it

   Hundreds of partners through the MeridianLink Marketplace

   • Core banking
   • Credit checks
   • Identity and fraud
   • eSignature
   • Document management

The platform in numbers

16M+

auto loan applications

8M+

unsecured loan applications

5M+

new accounts opened

1M+

home loan applications

Lifetime figures published on meridianlink.com, read October 2026. They describe the platform, not my work.

Impact

Four areas of the mortgage platform I worked on. Each row names the problem the area solves, what I did there, and which layers of the stack the work went through.

The product

A mortgage's path through the origination system, from application to close.

What it is

A cloud-native, 100% browser-based mortgage loan origination system for banks, credit unions and independent mortgage bankers, across retail, wholesale and correspondent lending. MeridianLink's November 2022 release names it MeridianLink Mortgage, formerly LendingQB.

PriceMyLoan

The pricing engine built into the LOS, combining underwriting, product pricing, closing-cost fee generation and margin management, aimed at higher pull-through, shorter cycle times and fewer buybacks.

Workflow and documents

Configurable task creation, workflow and resolution; eDocs with eSignature and real-time collaboration; paperless closing; a TPO portal for brokers from submission to close.

Integrations

Core connectors that end double data entry into core banking, plus webhooks, open APIs and hundreds of partners.

MeridianLink Mortgage · My loansScreenshot · MeridianLink

Swipe to see the whole screen.

Screens

Two screens of the loan file, drawn for this page with fictional data: PriceMyLoan results, and the tasks, documents and checks that move the loan. Pick a callout to see which part of the screen it explains.

Screen 1 of 2

PriceMyLoan results

Jump to a screen

123456

Full size

Pricing, eligibility, fees and margin for one scenario.

A purchase scenario priced across programs and investors. Ineligible programs name the rule they failed, closing costs are generated with the price, and margin and lock build the final number.

1. 1The loan file headerLoan number, borrowers, amount, program, LTV, FICO, status and lock follow the officer on every screen.
2. 2One scenario drives everythingPurpose, occupancy, property, amount, value, credit and DTI feed the pricing; change one and results, fees and margin follow.
3. 3Pricing for every program at oncePriceMyLoan prices the scenario across programs and investors, with rate, price, points, payment and APR side by side.
4. 4Eligibility says whyPricing and underwriting logic I worked on: an ineligible program names the rule it failed, so nobody quotes a loan that cannot close.
5. 5Closing costs generatedFees are generated with the price instead of typed in later, which is where costly loan errors usually start.
6. 6Margin and lockAdjustments and branch margin build the final price, and the lock request carries it into the loan file.

Role

• Software engineer at Bhavna Software India, on MeridianLink's products from August 2022 to September 2024.
• Created core components, and coded across HTML, CSS, JavaScript (ES6 and later), TypeScript, React, C#, VB.NET and ASP.NET Core.
• Wrote maintainable, testable code with NUnit and Moq.
• Worked with the client on requirement analysis for stories and tasks, system design, and product enhancements.
• Managed deployments and monitoring through Azure Monitor and Azure Blob Storage.

Constraints

• Pricing, eligibility and fees must be exact: a wrong number becomes a costly loan error or a buyback.
• Mortgage regulation touches every loan, so compliance had to be automated, not checked by hand.
• Retail, wholesale and correspondent lending share one system, and changes had to hold for all three.
• Vendor services for documents, signing and data plug into the loan file, so an integration could never stall it.

Architecture

The browser-based LOS runs the loan file over an ASP.NET Core and VB.NET service layer on MSSQL, with PriceMyLoan pricing and eligibility inside it, eDocs and eSignature for the paperwork, and core connectors and vendor integrations around the edge.

How I worked

Straight from the client

Requirement analysis for each story and task happened with MeridianLink directly, so system design and enhancement ideas came from the people who own the product.

Sprint rhythm

Feature planning, sprint discussions and peer code reviews, with work tracked in Jira and designs handed over in Figma.

Tested as it ships

Unit tests in NUnit with Moq for the services behind each change.

AI assistants, used deliberately

GitHub Copilot and ChatGPT to speed up feature work, troubleshoot issues and support code reviews.

Results

Support across the mortgage pipeline that helped improve processing speed, borrower experience and regulatory accuracy: automated workflow, exact pricing logic, digital documents, and compliance built into the flow.

5

areas of the platform I worked on

3

lending channels on one system

2

years on the MeridianLink stack

Stack

• ASP.NET Core
• C#
• VB.NET
• Web API
• EF Core
• MSSQL
• React
• TypeScript
• JavaScript (ES6+)
• NUnit + Moq
• Azure Blob Storage
• Azure Monitor
• Jira
• Figma