Unlock Smarter Lending
Get Your Free AI Credit Model
As a credit union professional, you know the challenge: traditional credit models often miss the full picture, leading you to decline good borrowers or take on unnecessary risk.
We've built a smarter solution for credit unions like yours
Our model allows banking institutions of all sizes to harness the power of AI for credit modeling without upfront costs and time investment.
Approve More Loans
Our model offers 12% better predictive accuracy than traditional models, helping you identify creditworthy borrowers often overlooked by standard scoring.
Reduce Risk
Gain a clearer, more comprehensive view of risk, enabling you to make more informed decisions and protect your credit union's assets.
Customized for You
We'll tailor our model to your specific loan types—auto, credit card, personal, and more—using your historical data for optimal performance.
Cost Effective
At just $2 per application, our model offers significant value without the burden of upfront fees or monthly minimums
Full Transparency & Compliance
Unlike "black-box" AI, our model is fully explainable and built to meet all regulatory standards, including FCRA and GDPR. Every score can be justified and understood.
More Inclusive Lending
Discover younger borrowers, those building credit, and others who may appear risky on paper but are, in fact, reliable.
It’s easy to get started
Here is how we work with you to get started:
Schedule Intro Call
Set up a 15-minute intro call to learn how underwrite.ai can help your credit union approve more good loans.
Securely Share Loan Data
Simply provide your loan tape and application tape. Our secure process makes it easy and confidential.
Try Your AI Credit Model Free for 30-days
We'll build a custom AI model tailored to your credit union's unique data and lending practices, at no cost to you. See the difference yourself with our 30-day free trial.
Frequently asked questions
Some of the most asked questions to our team
We offer hybrid AI models based on your business needs and preferences. In addition to providing a score and decision, we can also offer suggested pricing and customer-friendly explanations.
Yes, there is no upfront cost, and after the trial period, we charge $2 per consumer application. This allows smaller credit unions to only pay for what they need and easily scale.
Our solution is fully compliant with FCRA, GDPR, and lending regulations worldwide. We never use data that serves as a proxy for protected classes, ensuring that every decision is grounded in fairness. Explainability is core to our business, ensuring fairness and transparency while allowing credit union leaders to review potential risk areas for bias by leveraging our disparate impact analysis.
Ready to see the difference?
We’re positive you’ll find Underwrite.ai pays for itself by reducing your loss rate and increasing net profit. That's why we're offering a free custom credit model and a 30-day trial to interested credit union professionals.
