Cobalt CU: Consolidating systems, streamlining lending, building for the future
Unified lending. Greater efficiency.
Solutions
Loan Origination (Origence arc OS)
Indirect Lending (Origence CUDL®)
Lending Services
Watch Terry Zitkovich, senior vice president of lending at Cobalt Credit Union, share how partnering with Origence is transforming the credit union’s lending operations. From consolidating multiple lending systems into Origence arc OS to expanding dealer reach with CUDL, Cobalt’s journey reflects a commitment to efficiency, growth, and member experience.
The Cobalt CU team is currently working with Origence to implement arc OS across consumer lending—streamlining home equity, direct, and indirect lending into one unified platform while creating cleaner processes, easier administration, and stronger operational efficiency. Through the implementation of Origence Lending Services, Cobalt is reducing paper-heavy workflows and automating adverse action letter processing to save time and remove friction points.
Discover how Cobalt’s partnership with Origence goes beyond technology, aligning shared values and hands-on collaboration to help the credit union compete with larger institutions and fintechs—while achieving its strategic initiatives today and into the future.
“We currently operate a system for our home equity lines of credit. We have a different system that we’re using for indirect, and then one that we’re using for our direct lending. Moving to arc OS is going to allow us to put all of those pieces into one place, which creates cleaner efficiencies and processes for Cobalt as well as easier administration.”
Terry Zitkovich, Senior Vice President of Lending
Cobalt Credit Union
About Cobalt Credit Union
115,000 members
$1.3 Billion
Go from fragmented systems to one unified lending process.
Ready to replace silos and turn complexity into clarity?
