Grow Your Mortgage Margins With Industry-Leading Technology

Rising fulfillment costs. Shrinking per-loan income. Efficiency- and innovation-stifling loan origination systems. Independent mortgage banks (IMBs) are under pressure from several angles, and your legacy mortgage technology cannot provide the relief you need to meaningfully improve margins amid these challenges. 

Despite IMBs originating 83% of all single-family mortgage loans in 2024, the average IMB reported a pre-tax net loss  per loan in Q4 2024 and Q1 2025. Seasonality and short-term cuts provided some temporary breathing room in Q2 2025 as margins slightly rebounded, but how do you extend that progress into the future? 

To grow and maintain profitability, IMBs need mortgage technology that reduces per-loan expenses, shortens cycle times, and eliminates costly workarounds. MeridianLink^® Mortgage delivers a modern LOS with automation and seamless integrations that helps IMBs protect and increase profitability while alleviating strain on IT resources and operations.