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Wildfire Credit Union Goes Live with Scienaptic's AI-Powered Credit Underwriting Platform

Initial results predict increase in approvals and greater share of instant decisions

Incorporating AI into Strategic Roadmaps Of Credit Unions



Aug 22, 2023

Leading global AI-powered credit underwriting platform provider, Scienaptic AI, announced today that Wildfire Credit Union is now live on its AI-powered credit decisioning platform. As part of the deployment, Scienaptic’s AI platform leveraged its existing integration with Wildfire Credit Union’s Loan Origination System (LOS), MeridianLink Consumer, resulting in streamlined, AI-enabled underwriting with greater speed and accuracy.

Wildfire Credit Union has a rich history dating back to September 9, 1937. Over the years, the credit union has expanded and grown to over $1.1B in assets serving 50,000 members in Michigan. The credit union offers a wide range of financial products and services and aims to build life-long relationships that benefit its members and communities.

“In our journey that began over eighty years ago, we have always strived to create the best possible environment for our members to manage their finances and uplift our community,” said Tracy Kaufman, CLO of Wildfire Credit Union. “Today, as we proudly announce going live with Scienaptic's credit underwriting platform, we are taking another momentous leap forward in our journey. This remarkable technology is empowering us to elevate what sets us apart – exceptional member experience. By automating our loan decisioning and making faster, fair and compliant credit decisions, Scienaptic's technology is ensuring we offer an unforgettable experience and unmatched service to our members."

Pankaj Jain, Cofounder and President of Scienaptic AI, expressed utmost delight as he shared, "It is with great excitement that we celebrate Wildfire Credit Union's going live on our platform, marking a transformative shift in their loan decision process and elevating their members' experience to extraordinary levels. This partnership has ushered in remarkable enhancements in efficiency, accuracy, and overall member satisfaction, fostering lifelong connections within the member community. We are truly honored to be a part of Wildfire Credit Union’s journey towards excellence.”

About Scienaptic AI

Scienaptic AI's mission is to increase credit availability across the globe by transforming the technology used in credit decisioning. Credit unions, auto lenders, banks, and fintechs, use Scienaptic's AI native credit decisioning platform to continually improve the quality and speed of their underwriting decisions.

The platform enables FIs to reach more borrowers, including underbanked and underserved individuals, and say "yes" more often without increasing risk. It democratizes automated AI-powered lending while addressing all regulatory requirements, including Fair Lending and explainable adverse actions.

Scienaptic-enabled lenders have processed more than 300 million transactions, benefitting millions of borrowers. For more information, visit

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