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Origence: lending technology and services for credit unions

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Lead the way in modern lending. Grow loans, automate for efficiency, and deliver a modern member experience with the CUSO built by and for credit unions.
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Connected lending technology for credit unions

The smart way to lend, the fast way to grow.

Indirect
lending

Drive more loans your way, faster.

Origence CUDL® is the largest U.S. credit union indirect lending network, connecting credit unions with roughly 20,000 auto dealers while credit unions keep full control of their underwriting standards.

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Loan and account origination

Keep loans moving and members happy.

Origence arc OS™ and arc DX™ unify loan and account origination in a streamlined platform with an omnichannel experience for members and staff.

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Lending operations

Thrive in a world of always-on lending.

Origence Lending Services provides full-service outsourced lending support, including loan processing, underwriting, document services, and call center assistance, so credit unions can scale without adding headcount.

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Embedded finance

Open new channels for lending growth.

FI Connect™ is an embedded finance solution that opens new point-of-sale lending channels, such as EV OEM financing, through an exclusive credit union network.

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We are proud to partner with 1,100+ credit union clients and 124 credit union shareholders. just to name a few:
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About Origence

At the heart of credit union lending.

Origence is a credit union service organization (CUSO) that provides indirect lending, loan and account origination, lending automation, and full-service lending operations to more than 1,100 credit unions. Built on shared values and a deep understanding of the challenges credit unions face, our solutions are designed to help you thrive in the next generation of lending.

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Driving the Future of Lending, Together

Success, powered by partnership.

Discover how credit unions are driving automation, enhancing member service, and accelerating success with Origence.

Sound Credit Union
50%

faster loan processing with DPA

Sound CU saves loan processing time and strengthens dealer relationships with document processing automation.

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Austin Telco FCU
76x

increase in loan volume in 4 months

Austin Telco FCU achieves rapid growth with CUDL® and Origence Lending Services.

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Honor Credit Unoin
300%

boost in indirect loan volume

Honor CU experiences unparalleled efficiency gains and loan growth with CUDL® and Origence arc OS™.

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“Previously, we were averaging between $4-5 million monthly, and now we're closer to $30-40 million each month. We can credit Origence and our partnership for that growth over the years.”
Heather DeForney headshot
Heather DeForney |
AVP of Consumer Lending
Service CU
 
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“We were able to onboard over 1,100 new members, and as result of that, we were able to have about 9% of the members take additional services with us outside of the original auto loan. We're really happy with those numbers.”
Rob Wells
Rob Wells |
Consumer Lending Manager
First Financial Maryland FCU
 
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“The benefits and efficiencies that Honor Credit Union has experienced since using arc OS have been substantial. The first one that comes to mind is the automated decision engine that comes out of the box. From go live, we were able to immediately decision 40-45% of the applications that we received.”
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Dustin Nehls |
VP, Consumer Lending
Honor Credit Union
 
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“Using Origence Lending Services underwriting (. . .) has allowed us to win more deals. We're approving loans that we normally wouldn't approve until the next day, and we have seen an uptick in our pull-through ratio of up to 10 points just over the last two months since [onboarding].”
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Parker Luciano |
Indirect Program Manager
UNCLE Credit Union
 
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“When we onboarded [with Origence], we had about thirty dealerships we were working with in our market. Since then, it's grown to over seventy and we have basically every dealership in our field of membership on the CUDL platform.”
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Brent Davis |
VP Consumer Lending
BluCurrent Credit Union
 
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“Prior to DPA [document processing automation], it'd take our senior funder an average of 12 minutes to fund an indirect deal. After the implementation of DPA, it's taking her 5 to 6 minutes per deal. So we're saving half the time for funding per loan.”
Susan Heneman
Susan Heneman |
Director of Loan Administration
Credit Union of Colorado
 
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Partnerships & Integrations

Progress through collaboration

Origence works with best-in-class providers to deliver a seamless origination experience for lenders and members. This experience is powered by integrations, APIs, and trusted service providers.

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dedication backed by results

Supporting credit unions for
30+ years

Since 1994, credit unions have funded more than $656 billion in loans and processed over 27 million loans through Origence’s lending platforms, making it one of the most experienced lending platforms in the country. Today, Origence serves more than 1,100 credit union partners nationwide, connecting them through CUDL®, the largest credit union indirect lending network, to a marketplace of roughly 20,000 auto dealers and growing.

1,100
Total credit unions
$656B

Total funding

106M
Applications processed
27M
Loans processed

We're here to help.

Learn more about growing and modernizing your lending operations.

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Content to help you grow

Frequently asked questions

What is Origence?

Origence is a leading technology provider transforming the lending experience for credit unions and their members. Established in 1994 as a credit union service organization (CUSO), Origence is owned by 124 credit union shareholders. Over the last 30 years, Origence has helped credit unions originate over $600 billion in loans through a network of connected technology solutions including Origence CUDL®, Origence Lending Services, Origence arc, and FI Connect™.

What products and services does Origence offer?

Origence delivers a full range of lending solutions, including:

What is CUDL®?

The CUDL® Network connects credit unions with approximately 20,000 auto dealers nationwide, enabling members to secure financing directly at the dealership while credit unions maintain control over underwriting and member relationships.

How does Origence help credit unions grow?

Origence helps credit unions grow by combining lending technology, operational support, and expanded lending channels into a unified ecosystem. With the guidance of our credit union partners, Origence builds solutions and services intentionally to help credit unions increase loan volume, improve efficiency, and deliver better member experiences across all touchpoints.

What is the difference between Origence arc OS™ and Origence arc DX™?

Origence arc OS™ is the core origination platform that powers loan and account workflows, including decisioning and automation. Origence arc DX™ delivers the digital, member-facing experience, enabling members to apply, open accounts, and engage anytime, anywhere.

How do I get started with Origence?

Getting started begins with a consultation to understand your credit union’s goals and current lending environment. From there, Origence works with your team to implement the right mix of technology, services, and integrations to support a smooth transition and long-term success.