By unifying lending and member enrollment within a single application, The Atlantic FCU reduced account opening time from two days to six minutes while delivering a faster, more efficient borrower experience

"MANTL Loan Origination is enhancing our lending process by enabling us to deliver a seamless, secure, and fully automated journey for members applying for consumer loans. By leveraging MANTL for both deposits and loans, we’re creating a unified, end-to-end journey that scales our member experience, creates deeper relationships through cross-sell and up-sell opportunities, and drives institution-wide growth."

— Adam Cadmus, Chief Experience Officer, The Atlantic Federal Credit Union

As member expectations continue to be shaped by digital-first lenders and fintechs, The Atlantic Federal Credit Union (The Atlantic FCU) recognized an opportunity to reimagine one of the most critical drivers of growth in community banking: consumer lending.

The goal extended far beyond digitizing a loan application. The Atlantic FCU sought to streamline the entire journey—from application to funding—eliminating friction for prospective members while bringing loan origination, deposit origination, and membership enrollment together in a single, seamless experience. To achieve that vision, the credit union partnered with MANTL as part of a development cohort of more than 10 forward-thinking financial institutions helping shape the future of consumer lending.

The Atlantic FCU worked with MANTL to transform lending into a unified digital journey. With MANTL Loan Origination, the credit union is now embedding eligibility verification and membership enrollment directly into the loan application process, helping prospective members move from application to account opening with fewer steps and less friction. The streamlined experience also empowers team members to work more efficiently while creating opportunities to deepen the member relationship.

The impact has been significant, The Atlantic FCU:

• Reduced the time required to open a consumer loan account—including member enrollment—from as long as two days to just six minutes, delivering the speed and simplicity today’s consumers expect
• Achieved 80% submission rate for personal loans
• Eliminated document collection for 67% of personal loans booked over the last 90 days
• Re-engaged 80% of abandoned applications through automated reminder emails

Learn how The Atlantic FCU streamlined the borrower experience, accelerated funding, and improved operational efficiency across the organization with MANTL Loan Origination.