MeridianLink® Consumer is a powerful, cloud‑based digital lending platform designed to help financial institutions originate consumer loans with greater speed, accuracy, and efficiency. As one of the industry’s most flexible and configurable loan origination systems (LOS), it centralizes application intake across all channels—mobile, online, branch, call center, indirect, retail, and kiosk—into a single, seamless origination experience. Built for banks, credit unions, and consumer lenders, MeridianLink Consumer streamlines complex lending workflows through robust automation, intelligent decisioning, and deep third‑party integrations. With more than 1,000 configuration points and hundreds of integrations, the platform adapts to the unique needs of each institution while ensuring consistency, compliance, and operational efficiency from application through funding. MeridianLink Consumer supports a complete suite of direct and indirect lending products and provides a unified workflow for cross‑channel lending. Institutions use the platform to consolidate data, enforce consistent underwriting rules, increase productivity, and deliver a superior borrower experience that reduces friction and accelerates loan decisions. As part of the MeridianLink One® ecosystem, MeridianLink Consumer integrates seamlessly with complementary solutions like MeridianLink Opening®, MeridianLink Access®, and MeridianLink Portal®. This connected ecosystem enhances account opening, lending automation, data insights, and cross‑sell strategies—empowering institutions to create a cohesive, end‑to‑end digital experience. Key Features and Value Propositions: - Cross‑Channel Integration: Unifies applications from every channel—mobile, online, branch, call center, indirect, retail, and kiosk—into one centralized origination point, ensuring a frictionless borrower journey and streamlined staff workflows. - Highly Configurable Workflows: Offers over 1,000 configuration points and dynamic workflow capabilities to tailor processes, rules, and decisioning to institutional policies and product needs. - Automated, Advanced Decisioning: Leverages a robust underwriting and pricing engine to accelerate approvals, maintain consistent rule application, and reduce manual review—supporting faster, more accurate lending decisions. - Full Loan Product Suite: Supports a comprehensive range of direct and indirect consumer lending products, as well as business loan types, all within a single, unified LOS platform. - Cloud‑Based SaaS Delivery: Provides continuous updates, scalability, and secure access via a modern web‑based architecture—allowing institutions to stay compliant, reduce IT burden, and adapt quickly to evolving industry needs.