Integration

This guide covers the end-to-end workflow for using the Ocrolus integration within MeridianLink Mortgage. The integration allows loan officers to upload borrower documents directly from MeridianLink, have them automatically processed and classified by Ocrolus, and then import verified income calculations and insights back into MeridianLink.

Review the workflow summary on the Overview page before following these steps. The summary outlines the six stages of the integration, from accessing the loan pipeline in MeridianLink to confirming imported data, and provides useful context for the steps below. For more information, see the Integration workflow.

Follow these steps to upload borrower documents, review Ocrolus-powered income calculations and insights, and import verified data back into MeridianLink:

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Step 1: Access your loan pipeline

Log in to MeridianLink Mortgage. From the Home menu, your loan pipeline displays all active loans assigned to you. Each row shows the loan number, borrower name, loan officer, loan status, rate lock status, and estimated close date.

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Step 2: Create a new loan

Click NEW FILE in the top navigation bar and then select Loan to open a new mortgage loan file.

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Step 3: Review loan navigation

Once a loan is created, you land on the loan file. The left-hand navigation panel provides access to all sections such as Conversation Log, Loan Application, Underwriting Submission, Verifications, Disclosures TRID, Underwriting, Quality Control, Funding, Shipping, Finance, Servicing, and eDocs. The top bar shows the Loan Officer, Loan Number, Status, LTV, and Loan Amount. Use the Loan Number to locate a loan in Ocrolus.

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Step 4: Upload documents

In the left navigation, click eDocs, then select Upload Documents. A drag-and-drop upload area appears. Upload up to 12 documents at a time, with a maximum total size of 200 MB. All uploaded documents are automatically routed to Ocrolus for processing and classification.

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Step 5: Select the Ocrolus document folder

After selecting your files, click the Doc Type field for each document. A Select a Doc Type modal appears. Under Choose a Doc Folder, the following Ocrolus-specific folders appear:

• OCROLUS - ASSET DOCUMENTS
• OCROLUS - INCOME DOCUMENTS
• OCROLUS - PROCESSED
• OCROLUS - PROPERTY DOCUMENTS
• OCROLUS - REO DOCUMENTS
• OCROLUS - UNASSIGNED
• UNCLASSIFIED

Select UNCLASSIFIED to let Ocrolus automatically identify, classify, and index the document type.

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Step 6: Confirm document upload status

After uploading, navigate to the Electronic Docs list within MeridianLink. The document initially appears with a status of OCROLUS - PROCESSED, confirming it has been successfully transmitted to Ocrolus and is now in the processing queue.

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Step 7: View classified documents in Ocrolus

Once processing is complete, open the loan in the Ocrolus Dashboard.

In the left sidebar, navigate to the Index section. Ocrolus automatically classifies and groups documents by type and displays a list of all identified document types, for example, 1040 (2024), 1040 Schedule I, Schedule C, Schedule E, 1120S, W-2, pay stubs, Purchase Contract, Verification of Employment, and Loan Estimate. The sidebar also provides navigation to Uploads, Index, Income, Inspect, Accounts, Transactions, and Detect Signals..

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Step 8: Review wage earner income calculations

In the left sidebar, click Income and select the Wage Earner tab. Ocrolus automatically calculates monthly income based on Fannie Mae or other agency guidelines. For each borrower, you can review:

• Hourly income
• Overtime income
• Earnings by year
• Monthly income calculations
• The recommended income figure, highlighted in blue

Multiple calculation methods are available, including YTD average, 1-year average, 2-year average, and past year. Once you have reviewed and confirmed the calculation, click IMPORT TO MERIDIAN LINK to push the income data back to the loan file.

The Summary tab provides a consolidated view of all income sources across borrowers. The Self-Employed, Rental, and Other tabs are also available for additional income types.

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Step 9: Review rental income

Click the Rental tab within the Income section. Ocrolus identifies rental properties from Schedule E and other tax documents and calculates net income. The right panel shows total net income and the applicable Fannie Mae calculation. Source documents, including 1040 Schedule E, 1040, and 1040 Schedule I, are listed with checkboxes. When ready, click IMPORT TO MERIDIAN LINK to push the rental income to the borrower's file.

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Step 10: Review insights in Ocrolus Inspect

Navigate to the Inspect section in the left sidebar. Ocrolus surfaces actionable insights and potential conditions identified from the documents. Insights are grouped by category: Address, Asset, Borrower, Employment, Loan Details, and Subject Property.

Click any insight to open a detail modal showing the relevant document, the identified discrepancy, and the following options: Add to VOR, Add to VOM, Ignore, and Create Condition. You can add comments and mark each insight as reviewed or flag it for later review.

Insights flagged as conditions can be exported directly to your AUS system. Use the Conditions tab next to Insights to view any conditions already created from the Inspect findings.

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Step 11: Preview and import data to MeridianLink

From within the Inspect or Income section, click IMPORT TO MERIDIAN LINK. A preview screen appears showing the exact field changes that will be written back to MeridianLink. For each borrower shown in the left sidebar, the table displays:

• Field: The field name
• Old value: The current value in MeridianLink
• New value: The value from Ocrolus

Only checked fields are imported. Uncheck any fields you do not want to update before clicking Import. Review all proposed changes carefully before clicking Import in the top-right corner.

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Step 12: Confirm updated data in MeridianLink

After clicking Import, return to MeridianLink. Navigate to the relevant section, for example, Loan Application > Employment History. The borrower's record reflects the updated data imported from Ocrolus, including the corrected employer address and income figures. All imported values are visible in their respective MeridianLink fields.

Always verify the imported data in MeridianLink after the import to confirm all fields were updated correctly.