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Automated Loan Decisioning

Elevate your underwriting speed, efficiency, and accuracy with AI

Lend with a new level of confidence with a best-in-class decision engine built for the modern credit union.
arc os decision

Advanced automated decisioning

Harness artificial intelligence

Leverage AI and automation to minimize risk, speed up funding times, and reduce operational costs. Overcome the challenges of outdated manual decision-making. 

Enhance overall satisfaction

Foster a better member, dealer, and staff experience with decisioning technology designed for quick turnaround times, less manual work, and fast decisions.

Ensure consistent decisions

Shift away from manual processes to an automated decisioning framework, ensuring your lending policies are applied consistently.

Optimize operational resources

Integrate a data-driven, automated decision engine into your underwriting workflow so your staff can concentrate on mission-critical lending tasks.

Best-in-class configurability featuring 1,800 variables

The key to an effective underwriting platform is configurability: the more variables you can configure, the better your automated decisions—and on your terms. Origence arc OS decision gives you full control to configure to your needs.
  • Choose from 1,800 variables to build custom rules for nearly any decisioning strategy
  • Build 3-D matrices to assign the loan amount, pricing tier, rate, term, and decision
  • Work according to your lending policies with debt calculations layers from multiple sources
Automated loan decisioning man working smiling
Automated loan decisioning women working together

Predict, test, and fine-tune
lending policies

Explore a broad spectrum of underwriting methodologies, ranging from time-honored best practices to groundbreaking, innovative strategies.

  • Evaluate underwriting changes in a test environment using historical application data
  • Create and evaluate “what/if” scenarios with Scenario Manager
  • Leverage predictive decision challenger & modeling
  • Employ validation tools and testing environments to ensure accuracy and eliminate errors
  • Track changes with an extensive audit history and review historical product sheets

Easily make changes on-the-fly

Low-code configurability utilizes intuitive drag-and-drop technology to let you set up criteria for the Decision, Loan Amount, Tier, Term, Rate, and even Stipulations without relying on external resources.
Origence arc OS

Seamless connection with arc OS origination system

Origence arc OS decision integrates effortlessly with Origence arc OS for a true end-to-end loan origination experience. 

Origence + Zest AI

Power your decisions with artificial intelligence

Origence has partnered with Zest AI to deliver smart, inclusive, efficient AI-automated decisioning technology for credit unions through Origence arc OS decision.

Identity verification and fraud protection

Reliable and accurate verifications are carefully supported through third-party integrations, providing immediate results. Some popular integrations include Equifax Instatouch, Experian’s precise ID® (out-of-wallet questions), FIS Decision Solutions (QualiFile, ID Verification, OFAC), Experian Fraud Shield, TransUnion TruValidate, Equifax IDcheck, and Thomson Reuters Clear.

We're here to help.

Learn more about growing and modernizing your lending operations.

AI-driven lending for credit unions: Automate decisioning and expand access to credit with modern lending tools

Learn how a modern LOS that integrates with advanced AI offers credit unions of all sizes access to faster, more equitable decisioning.