Mortgage credit reporting since 1989
The credit agency that measures itself.
Mortgage credit reports, soft pulls, supplements, rescores and verifications from one mortgage-focused team. We publish our turnaround numbers every month, so you do not have to take our word for it.
NEWISC Waypoint · a monthly Credit Operations Review of your own ordering. See what it shows →
Supplement turnaround, six-month average
You order a supplement at 9:00 AM Monday. It comes back...
ISC averaged 0.9 hours against a 26.3-hour industry average, April to September 2026, MeridianLink Industry Benchmark, which reports supplements as trade turnaround.
Historical averages shown. Individual turnaround varies by request.
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Products & Services
Mortgage credit products for every stage of your pipeline.
One account. One invoice. One support team that knows your workflow.
View all products →
ISC Waypoint
You are here.
A monthly and quarterly report that shows where your company's credit ordering stands, built from your own ISC account activity.
- Files still waiting on a bureau, oldest first
- Earlier files still moving through the pipeline
- Each loan officer's orders, scores and repeat pulls
- Each branch on its own pages, in its own color
- Every quarter, how volume and each branch are changing
56 borrower orders in August across two branches.
Northshore 44 orders Canyon Ridge 12 orders
7 files waiting on a bureau at month end, the oldest 25 days open, each one named.
2 files cleared through a bureau copy for $32.00.
Illustrative sample account. Company, user and borrower names are invented.
Switching to ISC
Switching agencies usually does not mean learning a new system.
Most mortgage credit agencies order through the same Mortgage Credit Link platform, now XedaLink. If your team uses it today, ordering through ISC will look familiar. What changes is who answers when a file needs help.
Opening an account
- Application and documentsYour ISC representative tells you exactly what applies to your business type.
- Compliance review and site inspectionVirtual or onsite, depending on where your office is.
- Credentials and LOS setupWe connect ISC to your LOS and issue logins for your team.
- A team that stays with youWe walk your loan officers and processors through ordering, reissues and supplements in your LOS. After that, call with a question on any file and a person who knows your account answers.
Timing depends on completed documents, inspection requirements and approval steps.
Works inside 25+ loan origination systems
View full integration guide →- Encompass
- Blend
- Arive
- LendingPad
- CalyxPoint
- Loan Quest
- MortgagebotLOS
- MortgagebotPOS
- Blue Sage
- Loan Producer
- LodaSoft
- PowerLender
- Empower
- LendingSpace
- Creative Visions
- Enterprise Lending Ctr
- MOSO v1.9.3
- ProLender
- Path
- Intelligent Mortgage
- DestinyLOS
- EPIC
- NextSpring
- LenderAssist
- FinConnect
- + 17 more
MeridianLink benchmark
Ranked #1 in supplement turnaround every month since June 2025.
Based on MeridianLink Industry Benchmark data from June 2025 through September 2026.
MeridianLink Industry Benchmarks
How ISC compares
MeridianLink benchmarks supplement turnaround, which it calls trade turnaround, across credit reporting agencies and updates the data monthly. The full month-by-month history lives on ISC Insights.
View benchmark history →Six-month average, Apr 2026 to Sep 2026.
| Apr 2026 | 0.9 |
|---|---|
| May 2026 | 1.5 |
| Jun 2026 | 1.0 |
| Jul 2026 | 0.6 |
| Aug 2026 | 0.9 |
| Sep 2026 | 0.7 |
Never above 1.5 hours in six months. On this axis the 26.3-hour industry average would sit about 13 chart-widths to the right.
Real support
We pick up the phone.
When a file is stuck, you should not have to wait behind a ticket number. Family-owned since 1989: when you call, you reach a team that knows your files, and leadership you can actually talk to.
The people behind your account
Brian ChoPresident
Teddy TranVice President
Romeo BuiDirector of Sales
Client success
What mortgage teams say about working with ISC.
Featured case study
Watch the client story
“ISC was able to help obtain what was needed the same day, allowing the file to move forward and close on time.”
“Our company has done business with ISC for over 15 years. The staff is incredibly amazing to work with, very professional and will assist with your credit needs in a timely manner. Best credit company to work with.”
Jacqueline Guerra · Lending Key, Inc. · Google review“Brian and the ISC team have been awesome to work with. Super responsive and always quick to jump on any questions or issues. They're the best credit company I've worked with in the last 7 years.”
Anton Guerrero · Mortgage Professional · Google review“Been with ISC Credit for 8 years. Reasonable prices and great customer service. They always go above and beyond to make sure everything is handled quickly and correctly.”
George Loakes · 8-year ISC client · Google reviewGet started with ISC
Let's find out if ISC is the right fit for your team.
Tell us a bit about your business and an ISC team member will be in touch within one business day.
Prefer to talk now? Call 800-290-2801
See what ISC looks like on your files.
Faster turnaround, a team that picks up the phone, and a monthly Waypoint review of your own ordering.