Orion Financial to Deploy Scienaptic AI for Advanced Credit Underwriting

Orion Financial, a Memphis-based credit union, has selected Scienaptic AI’s platform to modernize and enhance its credit underwriting, aiming to expand access to credit while maintaining its risk standards.​

What was announced

• Orion Financial will deploy Scienaptic AI’s credit decisioning platform to strengthen underwriting, increase automation, and support responsible loan growth across its lending portfolio.​

• The implementation is intended to keep credit decisions inclusive and timely as Orion’s membership, product mix, and lending volumes grow.​

About Orion Financial

• Orion Financial is a credit union founded in 1957, serving more than 75,000 members across the Mid-South and managing over 1.2 billion dollars in assets.​

• It offers a broad range of consumer and business financial products and is known for community involvement, financial education, and investment in digital banking experiences.​

Role of Scienaptic AI

• Scienaptic AI provides an AI-powered credit decisioning platform used by over 150 lenders to improve underwriting accuracy, automation, and efficiency.​

• The platform integrates diverse data and machine learning models with ongoing risk and fair-lending monitoring, helping institutions approve more creditworthy borrowers—especially underserved and underbanked consumers—without raising overall risk.​

Expected benefits for Orion

• Orion aims to gain deeper insight into members’ risk profiles, enabling more holistic and data-driven lending decisions that still align with its member-centric culture.​

• Increased automation is expected to speed up decisions, support scalable lending growth, and help identify and empower more creditworthy members who might otherwise be declined under traditional models.​

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