Origence

Origence is a U.S.-based credit union lending technology ecosystem that provides end-to-end digital lending solutions, indirect lending networks, loan origination systems, document processing automation, and lending operations services for credit unions and auto dealerships.

It is a Credit Union Service Organization (CUSO) that powers lending infrastructure for more than 1,100 credit unions and millions of members across the United States. Origence is best known for its CUDL indirect auto lending network and its modern loan origination and lending suite called Origence arc.

Rather than acting as a lender, Origence provides the technology, infrastructure, and services that credit unions use to originate, process, and fund loans.

SERVICES

• Indirect Auto Lending (CUDL Network): Origence connects credit unions to more than 20,000 auto dealerships, enabling real-time auto financing decisions, loan approvals, and funding through its CUDL network.
• Loan Origination System: Provides a unified platform for loan and account origination, allowing credit unions to process direct and indirect loans, manage applications, and improve member onboarding experiences.
• Loan Processing Services: Offers outsourced and assisted loan processing, including underwriting support, document handling, call services, and letter generation to help credit unions scale operations.
• Document Processing Automation (DPA): Uses AI and automation to extract, validate, and process loan documents, reducing manual work and speeding up funding times.
• Credit Decisioning & Underwriting Support: Integrates AI-driven decisioning tools (including partners like Zest AI and credit bureaus) to help credit unions approve loans faster and more accurately.
• Digital Contracting & e-Closing: Enables electronic loan contracting, improving funding speed and reducing paperwork in dealership and credit union lending.
• Lending Operations Support: Provides back-office services such as underwriting support, loan booking, exception handling, and servicing assistance.
• Embedded & Point-of-Sale Lending: Supports financing at the point of sale, including automotive financing and embedded lending channels.
• Marketing & Loan Funnel Tools: Offers tools that help credit unions attract borrowers, manage loan pipelines, and optimize loan conversion rates.

Countries