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OUTSOURCED LOAN UNDERWRITING SERVICES

Strengthen every lending decision.

Keep your lending momentum up through surges, deadlines, and even the most complex applications. With 24/7 access to experienced underwriters who know credit union lending inside and out, receive fast and compliant decisions that align seamlessly with your policies. Gain the capacity to manage complexity while keeping loans moving at the speed your partners and members expect.
Benefits

Speed, accuracy, and compliance.

Stay ahead of demand with flexible underwriting support built around your credit union’s policies and standards. Whether you need full-time assistance, support during overflow periods, or occasional help, we offer the high-standard underwriting you need to operate with confidence and precision.

Customize your loan underwriting to align with your specific policies.
Expand your in-house team’s bandwidth with 24/7 support, 361 days a year.
Improve your look-to-book ratio while maintaining loan quality.
Capture additional opportunities not auto-decisioned by your LOS.
Success Story

Unlock more approvals without compromising quality.

10
point increase in pull-through ratio

See how partnering with Origence helped UNCLE Credit Union speed up approvals and turn opportunities into funded loans.

“Using Origence [loan] underwriting (…) has allowed us to win more deals. We’re approving loans that we normally wouldn’t approve until the next day. This is directly correlating to winning those loans the same time that they’re submitting them, and we have seen an uptick in our pull-through ratio of up to 10 points just over the last two months (…).”

Parker Luciano
Indirect Program Manager
UNCLE Credit Union

Services

More ways to strengthen your lending strategy

Extend your capabilities without overextending your team. Explore new opportunities to enhance your lending performance through strategic outsourcing solutions:
Loan processing services

Accelerate every loan.

Move from catching up to getting ahead with AI-powered processes and a team of experts who review, validate, and prepare loans for funding. Improve accuracy, compliance, and member satisfaction at any volume.
Document services

Streamline every loan package.

Eliminate delays and errors with AI-driven automation, expert preparation, and delivery of accurate loan documents. Keep your lending process moving smoothly and free your team to focus on higher-value lending opportunities.
Call services

Resolve every question faster.

Keep the loan line moving with dedicated call center support available during business hours, evenings, and weekends. Answer questions, resolve loan conditions, and win your partners’ trust with timely decisions.

Letter services

Deliver every lending message on time.

From welcome letters to counteroffers and adverse action notices, send timely communications that keep members informed. Support transparency, trust, and confidence throughout the lending process.

Expert decisions, right on time.

Tap into underwriting expertise that is always available when your credit union needs it most. Say ‘yes’ to more members and grow dealer relationships with timely decisions.