ISC Insights

Mortgage Credit Insights

ISC Insights is a free monthly newsletter for mortgage professionals. Each issue includes ISC’s latest MeridianLink benchmark data, curated industry news, and practical content for brokers and lenders.

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Monthly benchmark archive

ISC supplement turnaround, updated every month.

Every month ISC pulls benchmark data from MeridianLink’s Industry Benchmarks Dashboard and publishes it here. Historical entries are maintained for transparency and may be updated only to correct formatting, sourcing, or data-entry errors.

Month ISC Avg (supplement turnaround) Industry Avg Ranking Source
October 2026Available November 1MeridianLink
September 20260.7 hrs26.6 hrs#1MeridianLink
August 20260.9 hrs24.7 hrs#1MeridianLink
July 20260.6 hrs26.3 hrs#1MeridianLink
June 20261.0 hrs27.3 hrs#1MeridianLink
May 20261.5 hrs26.8 hrs#1MeridianLink
April 20260.9 hrs26.1 hrs#1MeridianLink
March 20261.0 hrs28.2 hrs#1MeridianLink
February 20261.2 hrs27.2 hrs#1MeridianLink
January 20260.4 hrs27.3 hrs#1MeridianLink
December 20250.6 hrs31.0 hrs#1MeridianLink
November 20252.1 hrs28.6 hrs#1MeridianLink
October 20255.2 hrs28.5 hrs#1MeridianLink
September 20252.4 hrs28.9 hrs#1MeridianLink
August 20252.0 hrs26.7 hrs#1MeridianLink
July 20252.3 hrs28.2 hrs#1MeridianLink

Source: MeridianLink Industry Benchmark Dashboard, which reports supplements as trade turnaround. ISC ranked #1 each month shown.

Client spotlight

What it's like to work with ISC.

From mortgage professionals who have relied on ISC for credit reporting, supplements, and rescores.

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Lending Key, Inc. · 15-year ISC client
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ISC Insights articles

Articles from the ISC team

Written by the ISC team based on what we see every day in the mortgage credit reporting industry.

Tools & Process
What is a rapid rescore and when should you use one?
If you have ever had a borrower sitting just below the qualifying score threshold, you already know the frustration. Here is how a rapid rescore works, when to use it, and when not to, including the role of simulation before you spend fees.
ISC Credit
Learn the rescore process →
Compliance & Regulation
HBPPA trigger leads: what changed in 2026 and what mortgage brokers need to know
In early 2026, the Homebuyers Privacy Protection Act took effect. It significantly restricted cold trigger leads, but not all trigger leads. Here is what changed, what did not, and how a soft pull strategy protects your pipeline under the new rules.
ISC Credit
Read the soft pull guide →
Tools & Process
How SmartSelect reduces credit pull costs without missing a qualified borrower
Every mortgage professional knows the math: if a meaningful percentage of applicants don’t qualify after a full tri-merge, you’re spending on files that won’t proceed. SmartSelect is built to change that, including a frozen bureau feature most brokers don’t know about.
ISC Credit
See how SmartSelect works →
What we publish

Topics we cover

Four areas of coverage, built around what moves loan files.

Monthly MeridianLink benchmark
Where ISC tracks against the industry on supplement turnaround, updated the first of each month.
Industry & GSE updates
FHFA, Fannie Mae, Freddie Mac, scoring models, and rule changes that affect mortgage credit reporting.
Compliance & regulation
FCRA, GLBA, RBPN, and state-level updates that affect how credit data is pulled, stored, and disclosed.
Best practices for mortgage files
Workflows, supplement strategies, rescore use cases, and tactics that control pull costs without missing borrowers.
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