Planning for 2027
Start With How Your Business Actually Runs
Every lender is looking for ways to do more with less next year, and the best place to start is understanding what is happening inside your own operation.
At Certified Credit, we take the time to learn how your team orders, where your processes are creating extra costs and what you are really trying to solve. Then we help you build a setup that fits.
A Credit Partner That Looks at the Whole Operation
Most providers deliver the report and move on. We start with how your business runs, then help you shape a setup around it.
We learn how you work
How and when your team orders, which products run on which files and where your current process is adding costs you do not need.
We build a setup that fits
Ordering workflows designed around the way you lend, so your team spends less time and money getting files to closing.
We structure pricing around your priorities
Whether you want predictability, a lower invoice or less spend on loans that never close, there is more than one way to set up your program.
One team supporting the whole file
What That Looks Like in Practice
When we look at how a lender actually operates, the savings often come from places the rate sheet never shows.
Lower fallout-related credit costs
By changing how and when credit was ordered, one lender cut what it was absorbing on loans that never closed by more than 40%.
Read the case study ›Saved every month
Benchmarking showed 75% of one lender's prequals were unnecessary. New prequal thresholds and accepting statements for routine VOMs cut supplements 85% and average loan cost 15%.
Read the case study ›Every order in one place
A credit union moved soft pulls, hard pulls and tax return verification into MeridianLink with saved credentials, ending the workarounds left by its prior provider.
Read the case study ›Service You Can Measure
When a file needs attention, here is what you can count on from our onshore Client Success team.
of calls answered within 30 seconds (average around 20 seconds), so your team is not stuck on hold when a file needs attention
of supplements completed same day, nearly 90% within two business days, so files keep moving toward closing
of manual VOEs completed within two business days, so fewer conditions sit waiting on verification
onshore Client Success team, made up of people who know the products and work your hours
of Client Success staff bilingual, for more ways to get help
Our Client Success team was also recognized with The Mortgage Collaborative's 2025 Lenders Choice Award for customer service.
Let's talk
Let's Plan for Next Year Together
Tell us a little about your operation and a member of our team will reach out to walk through what is working, where costs are adding up and which options fit the way you lend.
- A conversation, not a sales demo
- A look at your ordering workflow and where costs add up
- Pricing structures matched to what you are trying to solve
Planning Questions We Hear From Lenders
How can mortgage lenders reduce credit and verification costs in 2027?
Start by looking past the price per report. Ordering timing, which products run on which files, duplicate or unnecessary orders and spend on loans that never close all add to your total cost. Certified Credit reviews how your team orders today and helps you adjust workflows and pricing structure so you pay for what each file actually needs.
What service levels should lenders expect from a credit provider?
Your team should reach a real person quickly when a file needs attention and get supplements and verifications back on a timeline you can plan around. At Certified Credit, 90% of calls are answered within 30 seconds, 75% of supplements are completed the same day and our Client Success team is 100% onshore.
Does Certified Credit offer more than one pricing structure?
Yes. Lenders have different priorities, so we offer several ways to structure your program, whether you are focused on predictability, a lower invoice or reducing what you absorb on loans that do not close. We will walk through which options fit your operation.
What does Certified Credit support besides credit reports?
Certified Credit supports the whole file, including employment and income verification, undisclosed debt monitoring, credit refresh, fraud and flood, all backed by the same onshore Client Success team.
