Oregonians Credit Union Selects Scienaptic AI to Drive Inclusive Lending and Enhance Member Experience

NEW YORK - EntSun -- Scienaptic AI, a global leader in AI-powered credit decisioning technology, today announced that Oregonians Credit Union has selected its AI platform to streamline lending operations and responsibly expand access to credit for its members.

For 90 years, Oregonians Credit Union has operated on a simple concept: pool resources together to provide the best rates and services, keeping the focus entirely on member success rather than corporate profits. Serving communities across the state, Oregonians has always chosen to bank on its people, prioritizing human connection over rigid, impersonal processes. Driven by a strong belief that true financial partnership requires genuine empathy, Oregonians prides itself on delivering a level of personalized service that standard digital channels simply cannot replicate. Today, as the institution embarks on a dynamic digital transformation, it continues to pair advanced technology with the authentic local care its members have trusted since 1936.

"To truly serve our community, we need to combine the genuine care of a local credit union with the speed of a modern financial institution," said Bryce Mortensen, President and Chief Executive Officer of Oregonians Credit Union. "Partnering with Scienaptic AI allows us to do exactly that. By instantly analyzing a much wider range of data, this technology gives us the confidence to safely approve more loans and look beyond a traditional credit score to help members with limited credit histories. Just as importantly, it allows us to deliver instant loan decisions on nights and weekends when our members are actually out shopping, while freeing our lending team to focus their time on members who need a human touch."

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"Oregonians Credit Union has an incredible legacy of putting the people of Oregon first," said Matt Beecher, Chief Growth Officer at Scienaptic AI. "We are proud to support their mission. Our AI platform will enable their team to decision more applications with greater speed and consistency, surface insights that a traditional credit score alone would miss and ultimately expand access to credit for more members."

About Scienaptic AI

Scienaptic AI was founded in 2014, built with the mission to drive financial inclusion at scale through AI-driven credit decisioning. The platform encapsulates a decade of technological innovation, integrating more data into decision-making, leveraging advanced machine learning algorithms, and supplementing them with rigorous risk and fair lending monitoring processes. This enables financial institutions to reach more borrowers- including underbanked and underserved individuals and say "Yes" more often without increasing risk. Scienaptic's latest innovation, iCUE (Intelligent Credit Underwriting Experience), integrates large language models and agentic AI into the credit decisioning platform, combining predictive intelligence with conversational capability to put humans back at the center of lending.

In September 2024, Scienaptic's Credit Union Service Organization (CUSO) received strategic equity investments from its clients, further strengthening its mission to elevate lending with AI- driven solutions for inclusive loan growth, automation, lifecycle management, and compliance. Today, the CUSO is backed by 17 strategic investors, underscoring Scienaptic's deep commitment to the core principle of 'people helping people'. The Scienaptic AI platform plays a vital role in supporting over 150 lenders by enhancing lending accuracy and efficiency.

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Scienaptic's credit decisioning expertise spans financial institutions collectively managing $4 trillion+ in assets. The platform has powered decisions for over $160 billion in loans. It processes over 3 million credit decisions each month, evaluating loan applications worth more than $4 billion. This enables over 1.7 million underserved individuals every month to access credit opportunities that were previously out of reach. Driven by the growing demand for AI in lending, the company has expanded by over 2,000% in the past three years.

Scienaptic has been recognized among the most innovative and fastest-growing companies in financial technology. The company was named to the Deloitte Technology Fast 500 list for 2025 and was included in the CB Insights Fintech 100 list of the most promising fintech companies shaping the future of financial services.

For more information, visit www.scienaptic.ai