AI for Credit Unions

Handle 3x The Loan Volume With Same Team With Every File NCUA-Ready

Your pipeline grows every quarter. Your headcount doesn't. Handle triple the loan volume, respond 10x faster, and produce NCUA-ready documentation your examiner expects, on every member file.

See It in Action

99% accuracy in loan decisions

"Our lending team can now focus on value-added decisions rather than paperwork, and we're positioned to scale loan processing without adding headcount."

Chris Ferguson

SVP Consumer Lending, FORUM Credit Union

3x Loan Review Capacity

Your analysts handle triple the volume. Document prep, data extraction, and policy checks are complete before they open the file.

Same Day To Decision, Not Days

Members get faster answers. Dealers get faster callbacks. Your credit union wins the loans your competitors are still reviewing.

Every File NCUA-Ready

Same policies applied, same documentation produced, every single time. Pull any file at random, and your examiner will find exactly what they expect.

See It Work Across Your Lending Portfolio

Your lending team knows this process. Now it runs the same way, every time, for every member file with Playbooks. Three steps. Every loan.

Dealer Package Batch Review

Process entire dealer batches in minutes instead of days. AgentFlow extracts per-deal data, applies your lending policy, flags exceptions, and produces a batch approval summary ready for the lending manager to act on.

Loan Agreement Review

Compare submitted loan agreements against your standard terms with clause-level precision. Surface deviations, classify severity, and route exceptions for senior review before closing.

Mortgage Loan Analysis

Extract and cross-reference data from the full mortgage package. Run TRID, RESPA, and QM compliance checks automatically and track conditions from underwriting through post-close QC.

SBA Loan Evaluation

Verify SBA eligibility against size standards and NAICS codes, analyze program fit across 7(a), 504, and Express, and generate a complete evaluation package ready for submission.

We've Built A Library Of 91 Playbooks.
‍Find Your Workflow.

Explore The Library

Built for Every Credit Union Team, Across Departments

Loan Officers

Underwriters

Auto Lending Managers

Credit Analysts

Compliance Officers

Loan Servicing Specialists

Integrates With The Systems You Already Run

Secure By Design. Compliant By Default

SOC 2 Type II

Single-Tenant Deployment

Zero Data Retention

NCUA

TRID

HMDA

Reg E

Ready To See It On Your Loan Portfolio?

Book a 30-minute proof-of-concept, and we'll configure a Playbook for your credit union and run your actual loan files.

Book A Proof-of-Concept

FAQs

How does Multimodal handle NCUA compliance and audits?

Every AI decision includes immutable audit trails, confidence scores, and explainability, aligned with NCUA examination expectations. We're SOC 2 Type II certified with controls built for credit union regulatory standards, vendor management reviews, and model governance requirements.

What documentation do you provide for vendor due diligence?

A security evidence pack: data handling overview, access model, logging, incident response summary, and subprocessor transparency, aligned to FFIEC-style vendor review expectations.

Do you have SOC 2 Type II or ISO 27001?

We have a SOC 2 Type II report available under NDA.

Can we keep member data under Credit Union control?

Yes, support for encryption in transit/at rest, role-based access, and configurable retention and logging so member PII/NPI stays governed by your policies.

Can we deploy privately (VPC/on-prem)?

Private deployment options are available where supported, depending on your environment and requirements.

How do you handle model governance and explainability?

You configure thresholds and review gates. The system records inputs, outputs, reviewer actions, and overrides to support internal audits and oversight.

What happens when the AI is wrong?

Human-in-the-loop is built in. Staff can override recommendations, and overrides are logged with reason codes for traceability.

Can your AI-powered lending platform integrate with our core and LOS systems?

Yes. Our credit union lending software connects to your existing core, LOS, and digital banking systems via secure integrations, verification outcomes, policy checks, and decision packages flow in without rip-and-replace.

How do you support BSA/AML operations?

We support operational workflows — collection, routing, documentation, and audit trails. Your team controls decisions and any reporting to FinCEN.