NEW YORK

2 Nov 2026

Scienaptic AI, a leading provider of AI-powered credit decisioning, announced today that Credit Union of Colorado has selected LendSmart Auto, a new AI-powered auto loan pricing engine, to transform how it prices vehicle loans for its members. The platform enables Credit Union of Colorado to evolve beyond traditional rate-sheet pricing, which assigns the same rate to all loans within a risk tier, toward a deal-level model that prices each loan based on the individual borrower, vehicle collateral, and real-time market conditions.

LendSmart Auto integrates vehicle data at the VIN level, enabling granular analysis of depreciation curves, regional resale demand, auction recovery projections, and loan-to-value exposure for every deal. The engine also incorporates Credit Union of Colorado's own target return on assets, factoring in deal and operations costs, to ensure that optimized pricing stays within the credit union's established financial parameters.

"In a competitive auto market, the rate we quote is often the entire conversation," said Chad Wilcox, Senior Vice President of Lending at Credit Union of Colorado. "A tier-based rate sheet cannot tell the difference between two borrowers who look alike on paper but are buying very different vehicles. LendSmart Auto lets us price each deal on what is actually in front of us, so we can reward strong applications with sharper rates and hold the line where the risk warrants it. That is better value for our members and a healthier portfolio for the credit union."

"Credit Union of Colorado has spent more than 90 years earning the trust of members across the state," said Courtney Mrsny, Chief Customer Officer at Scienaptic AI. "LendSmart Auto brings deal-level intelligence to every vehicle loan, going beyond broad tier assumptions to a clear view of the individual borrower and the specific collateral. We are proud to partner with them and look forward to showing what that precision can do for their portfolio."

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.

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