Loan origination software for community banks and credit unions.
Modern origination, underwriting, servicing, and portfolio analytics — built for community banks and credit unions that want a single source of truth without paying for a Tier-1 platform sized for a national lender.
For community banks, credit unions, and CDFIs running between roughly $200M and $5B in assets. Built for institutions that have outgrown their core processor add-ons but are not in the market for a multi-year, eight-figure enterprise rollout.
The work the existing stack quietly hands back to you.
These are the five patterns we hear most often on the first call. If two or more of them feel familiar, the conversation is worth having.
- 01
Origination, underwriting, and servicing each live in a different system — none of which agree about what stage a loan is in today.
- 02
Decisioning records are scattered across email, a credit-memo PDF, and a comment in the LOS — auditors take three weeks to assemble a single file.
- 03
Portfolio reports are pieced together in Excel from three exports, and the asset-liability committee gets the numbers a week late.
- 04
Adding a new loan product means a service call to the core vendor and a six-figure scope.
- 05
Reg B, UDAAP, fair lending, and HMDA reporting are running on tribal knowledge and a spreadsheet a vendor hands off every quarter.
Capabilities, shaped for community banks & credit unions.
Origination & pipeline
Consumer, commercial, and small-business origination on one rails. Stage-aware pipeline view, current owner and next action visible on every loan in flight.
Underwriting workflow
Credit memos, exception tracking, and committee-review queues — every decision lands on the loan record with the full document trail attached.
Servicing & portfolio management
Accruals, payments, escrow, and modifications. Portfolio composition, vintage analysis, and concentration limits reported on demand.
Audit-ready compliance
Reg B / UDAAP / fair-lending decisioning records, immutable audit log on every change, and HMDA-ready data export aligned to the current rule.
Member & borrower portal
Branded portal for statements, payments, document uploads, and applications — wired to the same record your loan officers see, no syncing.
Asset-liability & risk
Concentration, delinquency, and yield analytics surfaced in real time. ALCO packet generated from live data, not a quarterly spreadsheet rebuild.
Core processor integration
Two-way integration with the major community-bank cores (Jack Henry, Fiserv, FIS) so loan-level data and GL postings stay in lock-step.
Custom loan products
New product types — share-secured loans, USDA, SBA 7(a), participation loans — configured in days, not a six-figure vendor change order.
Role-based access & branch routing
Loan officers see their portfolios, branch managers see theirs, executives see the institution-level roll-up. Branch and call-center workflows out of the box.
Outcomes operators measure on day 90.
What community banks & credit unions ask on the first call.
Vertical-specific questions — not generic studio FAQs. If yours isn’t answered below, the honest move is to ask us on a call.
Most community-bank cores offer a real-time loan + GL integration interface. We build a two-way connector to your specific core during the implementation phase — typically 2–3 weeks of engineering work — and certify the round-trip with your operations team before any production load.
We are a software vendor and a managed-services provider, not a chartered institution. We deliver a system that lives in your AWS account (or one we operate on your behalf under a managed-services agreement), with SOC 2 controls and an OCC / NCUA-aligned vendor management package available for examiner requests.
Yes — this is the most common engagement shape. We sit between your borrower-facing channels and your core, handle the loan lifecycle, and post settled loans + GL entries to the core via its standard interface. The core stays the system of record for deposits, GL, and member master.
Community-bank engagements run 14–22 weeks: discovery + product configuration (4–6 weeks), core integration (4–6 weeks), parallel-run with a single loan officer (2–4 weeks), bank-wide cutover (1–2 weeks), and a 30-day hyper-care window after launch.
HMDA fields are captured at the origination stage and validated against the current rule before submission. Fair-lending monitoring runs continuously against decisioning outcomes, with thresholds you configure and alerts that route to your CRA / compliance officer.
Talk to us about community banks & credit unions.
Thirty minutes, no slides. We will map your actual workflow against what we build, and tell you honestly whether the engagement makes sense — or whether an off-the-shelf vendor is a better fit.
- First call is free — 30 minutes, no pressure.
- Fixed scopes with line-item pricing. No surprises.
- Single-tenant deployment in your AWS account, or ours under a managed-services agreement.
- Month-to-month support retainers. Always.