We’ve all been there: a busy day, a stack of loans, and that moment of doubt — “Did I mark that as an APR fee?” or “Did I check the right box on the Closing Disclosure?” Getting fees right is one of the most detail-heavy parts of the loan process, but it’s also one of the most important. That’s where Fee Service Setup in MeridianLink Mortgage comes in.
Fee Service Setup isn’t just about convenience; it’s about consistency, compliance, and accuracy. Let’s dig into how it works and why your team should be using it to its fullest potential.
Why Fee Service Setup Matters
Fee Service Setup acts like your system’s master fee guide. Instead of relying on your disclosure desk or each processor to remember fee rules, the setup ensures:
- APR fees are flagged consistently – The right checkboxes are marked every time, so APR calculations stay accurate.
- Disclosures are complete – The Loan Estimate and Closing Disclosure populate with the correct information without extra guesswork.
- Time savings – Staff doesn’t have to manually enter or re-enter fees.
When everyone is pulling fees from the same setup, you reduce errors, compliance issues, and last-minute re-disclosures.
Dynamic Fee Population with Title Integration
One of the biggest benefits of Fee Service Setup is how it works with title integration. Once the loan file is registered, the system can:
- Automatically populate title, recording, and closing fees directly from MeridianLink’ integrated title vendor.
- Dynamically determine which fees belong to the fee service and which come from the title provider.
- Ensure the right party is assigned (lender, borrower, or third-party vendor).
This makes the process smoother, eliminates duplicate entry, and ensures the borrower sees the most accurate numbers possible.
Enhanced Title Quoting: Smarter Control of Fees
The enhanced title quoting feature gives lenders more control. Here’s how:
- You can decide when specific fees should be provided by the title vendor versus when they should be populated by Fee Service Setup.
- For example, recording fees might always come from the title vendor, while origination and processing fees stay in your fee service table.
- This flexibility allows your institution to fine-tune how fees appear — ensuring accuracy while keeping your internal processes streamlined.
Tips for Setting It Up Right
- Focus on APR checkboxes – Make sure every fee is properly tagged. Incorrect APR flags can cause costly re-disclosures.
- Group fees logically – Organize the Fee Service worksheet by loan type (conventional, FHA, VA, etc.) for easier application.
- Keep compliance involved – Double-check TRID requirements when building or revising templates.
- Test integrations – Run sample files with MeridianLink’s title vendor connection to confirm fees populate as expected.
- Review regularly – Update your Fee Service template periodically to remove outdated or no-longer-used fees.
The Bottom Line
When used properly, Fee Service Setup takes a complicated, error-prone part of the loan process and makes it fast, consistent, and reliable. You’ll spend less time chasing down missed fees and more time focusing on closing loans.
Borrowers get accurate loan estimates up front, your team avoids rework, and compliance headaches are kept at bay. That’s a win across the board.
Need help setting up Fee Service or adding the title integration? Cyberlink Software Solutions specializes in helping lenders get the most out of their MeridianLink Mortgage system. Let’s make your fees work for you, not against you.