Mortgage teams do not need another tab, another portal, or another workflow to manage.

They need intelligence where the work already happens.

That is why we are excited to announce that Addy AI is now integrated with MeridianLink Mortgage.

MeridianLink customers can now use Addy AI agents directly inside their existing MeridianLink workflow to review loan files, surface documentation gaps, analyze guideline fit, and pre-underwrite loans in under 5 minutes.

No new system for loan officers to learn.
No separate AI workspace for processors to monitor.
No copying loan data into a disconnected tool.

Addy AI brings mortgage-native AI agents into the LOS so teams can move faster while keeping the loan file, documents, conditions, and review process connected to the source of truth.

Why this matters

Lenders are under pressure to move faster without adding operational risk.

Loan officers want cleaner submissions. Processors want fewer document surprises. Underwriters want files that arrive with the right context. Executives want more throughput without increasing headcount or creating fragmented workflows.

The hard part is that the mortgage file is still complex.

A single loan can involve borrower data, credit, income, assets, property, AUS findings, guideline overlays, conditions, documents, notes, and lender-specific policy.

When AI sits outside the LOS, teams still have to bridge the gap manually.

With Addy AI inside MeridianLink, the AI agent can work where the loan already lives.

What MeridianLink customers can now do with Addy AI

1. Pre-underwrite loans in under 5 minutes

Addy AI reviews loan data, uploaded documents, guideline requirements, and lender-specific instructions to generate a pre-underwriting analysis that helps teams understand the file earlier.

The goal is not to replace the underwriter.

The goal is to help the team prepare cleaner files, identify potential issues sooner, and reduce avoidable back-and-forth before the file reaches final review.

2. Surface documentation gaps before they slow the file down

Addy AI can help identify missing or incomplete items, such as:

• Paystubs without W-2s

• Bank statements with missing pages

• Incomplete asset documentation

• Expired IDs

• Unclear condition responses

• Guideline items that need additional support

Instead of discovering these issues late in the process, teams can act earlier.

3. Generate clearer file summaries and conditional approval drafts

For workflows that use conditional approvals or internal review summaries, Addy AI can help draft structured outputs that mirror the lender’s workflow language.

Teams can review, edit, validate, and use the output as a starting point.

This keeps humans in control while reducing the manual work of reading through the entire file from scratch.

4. Keep teams inside MeridianLink

The biggest adoption blocker for mortgage technology is workflow change.

Addy AI was built around the opposite idea: meet the team where they already work.

For MeridianLink customers, that means AI assistance is available in the existing loan workflow, without forcing users to jump into a separate system just to get value.

5. Support the next generation of loan operations

MeridianLink already helps lenders streamline the mortgage process with an extensible platform, workflow automation, and integrations.

Addy AI adds mortgage-specific intelligence on top of that foundation.

Together, the experience is simple:

Your LOS remains the system of record, and AI agents help teams understand what needs attention next.

Example workflow

A loan officer submits a file through MeridianLink.

Before the processor or underwriter spends time manually reviewing every document, Addy AI runs a pre-underwriting review.

The agent checks the loan against the lender’s guidelines and available documents, then produces a structured analysis across areas like:

• Credit

• Income

• Assets

• Property

• Conditions

The team can quickly see:

• What looks complete

• What may be missing

• What needs human review

• Which conditions or guideline items may need support

• What should be cleaned up before the file moves forward

The result is a faster, clearer first pass.

The human team still makes the judgment calls, but they start with a more organized file.

Built for mortgage teams, not generic AI demos

Addy AI is purpose-built for mortgage workflows.

Our agents understand loan files, borrower documents, AUS findings, lender guidelines, condition workflows, and the operational handoffs between loan officers, processors, underwriters, and closing teams.

That matters because mortgage AI is not about answering generic questions.

It is about helping real teams move real files through a regulated, document-heavy process.

Thank you to our early MeridianLink customers

This integration was shaped by forward-thinking lenders who wanted AI in the place where their teams already work.

Available now

Addy AI is now integrated with MeridianLink Mortgage.

MeridianLink customers can use Addy AI agents to support pre-underwriting, file review, document review, and operational workflows directly connected to their LOS environment.

Bi-directional syncing is also live and is generally available.

Ready to see it live?

If your team uses MeridianLink and wants to see how AI agents can help pre-underwrite loans in under 5 minutes, book a live demo with Addy AI.