Credit Union Lending Platform — No Core Conversion

Product

Solutions

Resources

Partners

Pricing

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Product

Solutions

Resources

Partners

Pricing

Learn more

Product

Solutions

Resources

Partners

Pricing

Learn more

For credit unions

Member lending,

no core conversion.

One credit policy for auto, personal, card and HELOC. Priced on the whole member relationship, and boarded to the core you already run.

Learn more

Harbor CU

Auto loan

You’re approved, Sana

$24,000

Rate

5.74%

Term

60 mo

Payment

$461

Member discount applied · −0.50%

Review & sign

✦

Tier A · 14 rules passed · 0 stips

LOAN TICKET

MBR-208114

APP

Online banking

✈

CORE

Harbor CU core

MEMBER

S. Patel · 2014

PRODUCT

Used auto · 60

AMOUNT

$24,000

RATE

5.74% APR

Boarded

Boarded to core

10:15 AM

Fewer members lost

between “apply” and “funded.”

Started

2,400

Submitted

1,920

Approved

1,488

Funded

$31.2M

100%

80%

62%

57%

Prefill kills drop-off

Member data fills the form, so starts become submits.

Instant decisions

No overnight queue for members to change their mind in.

Sign from anywhere

Approved becomes funded without a branch visit.

Started

2,400

Submitted

1,920

Approved

1,488

Funded

$31.2M

Prefill kills drop-off

Member data fills the form, so starts become submits.

Instant decisions

No overnight queue for members to change their mind in.

Sign from anywhere

Approved becomes funded without a branch visit.

Started

2,400

Submitted

1,920

Approved

1,488

Funded

$31.2M

100%

80%

62%

57%

Prefill kills drop-off

Member data fills the form, so starts become submits.

Instant decisions

No overnight queue for members to change their mind in.

Sign from anywhere

Approved becomes funded without a branch visit.

Every member loan takes the same trip.

Here’s what happens at each stop.

Apply

Decide

Price

Verify & sign

Board to core

STOP 01 · APPLY

Members don’t retype

what you already know.

Applications prefill from the member record in digital banking. Fewer fields, fewer drop-offs, and a branch-ready version for staff-assisted loans.

[ 4 min ]

median time to apply

[ 11 ]

fields prefilled

Auto loan application

Full name

Member name

from record

Annual income

$86,400

from record

Vehicle VIN

1HGCV1F3…

Continue

MEMBER RECORD

Member since

2014

Direct deposit

Active

Share balance

$12,880

11 fields prefilled

DECISION FLOW

#212 Auto Loan Underwriting v9

Approve

FICO ≥ 680

742 ✓

DTI ≤ 43%

31% ✓

LTV ≤ 120%

94% ✓

Membership tenure

12 yrs ✓

Arc summary

Strong file. Long-tenured member with direct deposit, low DTI. Eligible for Tier A — no stips needed.

Suggested: auto-approve →

STOP 02 · DECIDE

Your credit policy,

running in seconds.

Encode your underwriting in Rules Studio — including relationship factors like tenure and deposits. Arc explains every decision so lenders only touch the exceptions.

[ 72% ]

auto-decisioned

[ 8s ]

to a decision

STOP 03 · PRICE

Reward the relationship,

right in the rate.

Rate sheets in Pricing Engine apply member discounts automatically — direct deposit, autopay, tenure. Members pick a term; the math is already done.

[ 3 ]

offers per member

[ −50 bps ]

loyalty discount

36 months

$725/mo

5.49%

60 months

SELECTED

$461/mo

5.74%

72 months

$401/mo

6.24%

RATE BUILD-UP · 60 MO

Base · Tier A

6.24%

Direct deposit

−0.25%

Autopay

−0.25%

Member APR

5.74%

DOCUMENTS

DOC AI

Pay stub · Sep

99% ✓

Driver’s license

98% ✓

Bill of sale

97% ✓

Proof of insurance

Review · 81%

Retail installment contract

Member signature

Signed 9:06 PM · from phone

STOP 04 · VERIFY & SIGN

Stips read themselves.

Members sign from the couch.

Doc AI extracts and checks every upload, flagging only what’s uncertain. Contract Builder generates compliant docs, and e-sign closes the loop — no branch visit.

[ 90% ]

docs auto-verified

[ 0 ]

branch visits

STOP 05 · BOARD TO CORE

Keep your core.

We’ll write to it.

Funded loans board straight to Symitar, DNA, Corelation and more — no re-keying, no nightly batch. Every step is logged for exam day.

Jack Henry

DNA

Corelation KeyStone

+ more

CORE RECEIPT

Boarded

$24,000.00

Loan suffix

L-0042

Funded to share

S-0001

First payment

11/15/2026

AUDIT TRAIL

Decision · Approve

rule set v9 · auto

Contract signed

e-sign · IP logged

Boarded to core

real-time · no batch

Core sync

Real-time

keeps members current

Member data flows in before they apply. Funded loans flow back the moment they sign. No file drops, no nightly batch, no core conversion.

2-way

Symitar

CORE

DNA

CORE

KeyStone

CORE

ANY CORE · API

Trusted at member scale

The same decisioning stack behind credit unions, banks and fintechs — running every hour your members are awake (and the ones they aren’t).

APPLICATIONS DECISIONED

24,091,423

LOAN VOLUME FUNDED

$2,489,453,718

MEDIAN TIME TO DECISION

8.2s

Boarded to core

Personal · Florida

$12,000

Auto-approved

Auto · Colorado

6.4s

Loan funded

Card · Oregon

$7,500

Boarded to core

HELOC · Michigan

$85,000

Auto-approved

Personal · Texas

8.1s

Loan funded

Auto · Ohio

$24,000

Boarded to core

Personal · Florida

$12,000

Auto-approved

Auto · Colorado

6.4s

Loan funded

Card · Oregon

$7,500

Boarded to core

HELOC · Michigan

$85,000

Auto-approved

Personal · Texas

8.1s

Loan funded

Auto · Ohio

$24,000

Built for how credit unions lend.

Live in weeks, not a core cycle.

One platform across auto, personal, HELOC and card — so every member gets the same fast experience.

4 wks

to first funded loan

2.4×

application completion

130+

integrations, incl. cores & bureaus

Punch your first loan ticket.

We’ll handle the trip.

Learn more

Origination

Loan Origination System

Decisioning

Servicing & capital

Loan Management System

AI agents

Data & identity

Integration Marketplace

Solutions

Resources

Company

Recognition

Backed by

LendAPI

Origination

Loan Origination System

Decisioning

Servicing & capital

Loan Management System

AI agents

Data & identity

Integration Marketplace

Solutions

Resources

Company

Recognition

Backed by

LendAPI

Origination

Loan Origination System

Decisioning

Servicing & capital

Loan Management System

AI agents

Data & identity

Integration Marketplace

Solutions

Resources

Company

Recognition

Backed by

LendAPI