Credit Interlink
- Company typePrivate
- Founded1993
- HeadquartersChicago, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
Credit Interlink firmographics
Firmographics- Name
- Credit Interlink
- Legal name
- Credit Interlink, Inc.
- Website
- https://creditinterlink.com
- Company type
- Private
- Founded year
- 1993
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Credit Interlink industry classification
Industry- Product category
- Mortgage Technology / Credit Data Software
- NAICS
- Activities Related to Credit Intermediation (5223), Credit Bureaus (561450)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)
Keywords
Where Credit Interlink is headquartered
LocationHeadquarters
- HQ city
- Chicago
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Credit Interlink business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Credit Data and Software Services: Revenue generated from providing credit merge software, customizable credit reports, and data verification services to mortgage lenders and brokers. The platform supports flexible billing with invoicing options, suggesting a subscription or usage-based model.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Enterprise subscription with customizable features |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels1 record
Credit Interlink product offering
Product offeringCore offering
Credit Interlink provides a proprietary credit data merging and reporting platform built on Microsoft .NET for the mortgage industry. Its offerings include customizable credit reports, fraud detection, public records integration, background reporting, IRS transcript and SSA verifications, a flexible billing system, and direct integration with Loan Origination Systems, Fannie Mae, and Freddie Mac. The company also distributes the FICO Score Mortgage Simulator through its reseller network.
Product overview
Credit Interlink offers a unified credit data platform for the mortgage industry built on Microsoft .NET technology. The core Credit Interlink Platform provides credit merging and aggregation capabilities, supplemented by a suite of add-on modules including customized credit reports, flexible fraud solutions, public records integration, background reporting, IRS transcript verification, SSA verification, and credit verification services. The platform integrates with Loan Origination Systems (LOS) and supports Fannie Mae and Freddie Mac workflows, with additional tools for billing and report customization at the company, department, and user levels.
Differentiator
Problem solved
Functional benefit
Products and services
- Credit Interlink Platform Core credit data merging and aggregation platform for the mortgage industry, providing customizable credit reports, configurable lender/broker management, and integrated verification services. Built on Microsoft .NET for mortgage lenders, brokers, and credit reporting agencies.
- FICO Score Mortgage Simulator Simulation tool distributed by Credit Interlink that enables mortgage professionals to model credit scenarios and test hypothetical credit actions in real time using actual FICO scores for mortgage decisioning. Distributed through Credit Interlink and its reseller partner network.
- Customized Credit Reports Credit reports customized to meet the specific requirements of each customer, presented in a clear and organized format to help lenders, brokers, and their customers understand credit profiles.
- Flexible Fraud Solutions Fraud detection and prevention solutions integrated into the credit platform for identity verification and fraud risk assessment during the mortgage process.
- Public Records Integration Public records data integration providing comprehensive background information for mortgage lending decisions, surfaced within the Credit Interlink platform.
- Background Reporting Background reporting services for comprehensive applicant screening during the mortgage process, integrated with the Credit Interlink platform.
- IRS Transcript Verification IRS transcript verification services enabling direct validation of applicant income and tax history, available through online ordering within the Credit Interlink platform.
- SSA Verification Social Security Administration verification services for identity validation and benefit verification, ordered online through the Credit Interlink platform.
- Credit Verification Services Online ordering system for credit verification services including credit report supplements and score updates, supporting ongoing mortgage file management.
- Flexible Billing System Billing system with flexible invoicing options to meet diverse customer needs and preferences for mortgage lenders, brokers, and their partners.
Quantifiable outcome
- Rapid development: features that take months on other systems can be built and deployed in weeks
Companies that use Credit Interlink
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
Credit Interlink technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature8 records
Credit Interlink partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- FICOcoreFICO partnered with Credit Interlink to make the FICO Score Mortgage Simulator available to mortgage professionals through Credit Interlink and its reseller network. This enables better modeling of credit scenarios for mortgage decisioning, providing simulated outcomes based on actual FICO scores.
- Old Republic InternationalcoreCredit Interlink's partnership alliance includes Old Republic International, a mortgage industry leader. This relationship has contributed to building a wide distribution network and growing customer base.
- Reseller PartnerscoreCredit Interlink distributes FICO products and its own solutions through a network of reseller partners serving the mortgage industry.
- Fannie MaecoreDirect platform integration with Fannie Mae systems for automated underwriting and compliance support.
- Freddie MaccoreDirect platform integration with Freddie Mac systems for automated underwriting and compliance support.
Scale indicators2 records
Recent moves5 records
Expansion highlights4 records
Credit Interlink competitors and assessment
Company assessmentBroad incumbents
- ICE Mortgage Technology (formerly Ellie Mae / Black Knight): ICE Mortgage Technology is the dominant loan origination system (LOS) and mortgage technology provider in the U.S., formed from the merger of Ellie Mae and Black Knight. Like Credit Interlink, it serves mortgage lenders with credit ordering, verification, and workflow tools, but operates at vastly larger scale with a broader end-to-end platform that could subsume Credit Interlink's niche.
- CoreLogic (now ICE): CoreLogic, now part of ICE, is a major provider of property data, analytics, and credit-related information services to the mortgage industry. It supplies the underlying data that Credit Interlink helps lenders consume, making it both a potential data partner and competitive threat if it expands downstream into credit reporting tools.
- Finastra: Finastra is a large global financial services software provider offering lending, banking, and capital markets solutions. While broader than Credit Interlink's mortgage credit focus, it competes for technology budgets at financial institutions and offers credit decisioning capabilities that overlap with Credit Interlink's functionality.
- Jack Henry & Associates: Jack Henry provides core banking and lending technology solutions to banks and credit unions, including mortgage origination capabilities. While it focuses more broadly on depository institutions, its lending platform overlaps with Credit Interlink's mortgage credit reporting and decisioning support functions.
- LexisNexis Risk Solutions: LexisNexis Risk Solutions provides credit, fraud, identity, and public records data and analytics to lenders, insurers, and other industries. It serves as both a data source for Credit Interlink's platform and a potential competitor as it expands its direct-to-lender credit decisioning offerings.
- FIS (Fidelity National Information Services): FIS is a major financial technology provider offering lending, mortgage processing, and credit services solutions to banks and lenders. It competes broadly for technology spending with Credit Interlink, particularly through its mortgage servicing and origination offerings.
Emerging players
- LendingPad: LendingPad is a cloud-based mortgage loan origination platform with integrated credit ordering and management features. As a more modern, cloud-native LOS provider, it competes with both ICE Mortgage Technology and Credit Interlink's customer base for credit data workflow ownership.
- Optimal Blue: Optimal Blue provides secondary mortgage market analytics, pricing, and hedging technology. While its core focus is different (pricing/secondary market), it serves the same mortgage lender customer base as Credit Interlink and is part of the broader mortgage technology ecosystem.
Direct peers
- MeridianLink: MeridianLink provides a digital lending platform with credit reporting, decisioning, and loan origination capabilities for mortgage lenders, credit unions, and banks. It directly overlaps with Credit Interlink's credit data merging and reporting functionality but extends into the broader lending workflow, making it the most direct comparable peer.
- Mortgage Cadence (Accenture): Mortgage Cadence, an Accenture company, provides enterprise loan origination technology to mortgage lenders. It competes in the same mortgage technology ecosystem as Credit Interlink, focusing on end-to-end origination workflows with integrated credit, compliance, and decisioning components.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Credit Interlink social profiles
Digital presenceCredit Interlink financial estimates
Financial estimateRevenue estimate
Valuation estimate
Credit Interlink leadership team
Management profileNumber of profiles
Profiles5 records
Credit Interlink funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Credit Interlink M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Credit Interlink
What does Credit Interlink do?
Credit Interlink provides a proprietary credit data merging and reporting platform built on Microsoft .NET for the mortgage industry. Its offerings include customizable credit reports, fraud detection, public records integration, background reporting, IRS transcript and SSA verifications, a flexible billing system, and direct integration with Loan Origination Systems, Fannie Mae, and Freddie Mac. The company also distributes the FICO Score Mortgage Simulator through its reseller network.
Is Credit Interlink a public or private company?
Credit Interlink is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Credit Interlink founded?
Credit Interlink was founded in 1993. It employs 11 to 50 people.
Where is Credit Interlink based?
Credit Interlink is headquartered in Chicago, United States, in the North America region.
How does Credit Interlink make money?
One revenue line is on record: credit Data and Software Services.
Who are Credit Interlink's main competitors?
Broad incumbents on record are ICE Mortgage Technology (formerly Ellie Mae / Black Knight), CoreLogic (now ICE), Finastra, Jack Henry & Associates, LexisNexis Risk Solutions and FIS (Fidelity National Information Services). Emerging players are LendingPad and Optimal Blue. Direct peers are MeridianLink and Mortgage Cadence (Accenture).
Does Credit Interlink have an API?
No public API is recorded for Credit Interlink.
What industry is Credit Interlink in?
Credit Interlink's product category is Mortgage Technology / Credit Data Software. Its primary akta.pro industry code is FSAKAKAA, Credit Bureaus & Consumer Credit Reporting Agencies. Its NAICS code is 5223 and its SIC code is 7320.