Request a Change of Circumstance
Step-by-step guide to documenting a change to a loan — fees, rate, occupancy, compensation, and more — and filing the request to MeridianLink as a PDF.
A Change of Circumstance (COC) request documents a change to a loan — a fee change, a rate change, adding or removing a borrower, an occupancy change, and so on. Submitting one records the request in the loan's history, files a printable request form to MeridianLink Documents, and stamps the disclosure-request date on the loan.
A COC request needs a connected MeridianLink session
Submitting acts as you in MeridianLink — it writes the disclosure-request date and uploads the document under your session. If an action is blocked with a "reconnect to MeridianLink" message, reconnect from your account menu and try again.
Open the request form
- Open the loan from your Pipeline (click the loan number).
- In the loan's left-hand tab rail, click Requests.
- Click New COC request.
The form opens with two parts: Request Information at the top and the Changed Items grid below it.
Fill in the request information
- Request Date — defaults to today.
- Requested By — defaults to you.
- Reason for Request — pick the category that best fits (Customer Requested, Rate Dependent, Loan Estimate Expiration, …).
- Reason Detail — free-text notes. Use this for anything that needs to be on the request (for example, credit-reissue credentials — see below).
Select what is changing
In the Changed Items grid, check every item that is changing. Each item you check reveals a row (or a panel) where you record the current value and the new value.
| Item | What you enter |
|---|---|
| Rate, Base Loan Amount, Appraised Value, Escrow / Impounds, Lender Fee Buyout | The new value, alongside the current value shown read-only. |
| Loan Purpose, Occupancy, Property Type | A dropdown for the new value. It only lists values different from the current one. |
| Product / Program / Term / Doc Type | Cascading pickers for program, term, and doc type, plus Interest-Only and Temporary-Buydown toggles. |
| Compensation | The current source (BPC/LPC) and amounts show read-only; enter the new percent and flat amount and the total recalculates. |
| Credit Scores | A new score per borrower. |
| Fees | Every current fee over $0 is listed; you can also add brand-new fees. |
New-value dropdowns hide the current value
For occupancy, property type, and loan purpose, the new-value dropdown only offers values that differ from what is on the loan today — so you can't accidentally "change" something to itself.
Credit-score changes need the new report on file
When you check Credit Scores, a reminder appears: upload the new credit report with the request, and if a reissue or Instant View password is not already on file, include those credentials in Reason Detail so the score can be verified.
Adding fees
When you check Fees, the loan's existing fees (those over $0) are listed for reference. To request a brand-new fee — for example, a VOE fee an underwriter asked for — use Add fee, type a description and amount. There is no current value because the fee does not yet exist; an internal user maps it to the right fee later.
Preview, then submit
- Preview PDF opens the request form as a PDF in a new tab so you can check it before sending. Previewing files nothing.
- Submit COC Request records the request and files it.
When you submit, the portal:
- Writes the Disclosure Request date (today) and a "COC Requested" comment to the loan in MeridianLink.
- Renders the request to a PDF and uploads it to MeridianLink Documents as the Change of Circumstance request, tagged with the upload date.
- Records the request in the loan's request history.
Documentation, not an automatic update
A COC request documents the change — the new values are captured in the PDF and the history. It does not, on its own, edit the loan's fees, rate, or terms. Those updates are handled in MeridianLink as part of the review process.
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