Conductiv, a data orchestration platform that enables financial institutions to access, aggregate, and operationalize data for faster, more informed lending decisions, has announced the results of its partnership with OCCU, a credit union and not-for-profit financial cooperative headquartered in Eugene, Oregon. Since adopting Conductiv's solution, OCCU has accelerated income verification and improved decision-making for qualifying indirect loan applications while significantly reducing manual effort across its underwriting team, dealer network, and member base.

Indirect lending—where loans are originated through third-party channels such as auto dealerships rather than directly between the borrower and the lender—has long presented credit unions with a tension between speed and risk. Dealers expect fast decisions to keep transactions moving, but the reliance on applicant-provided income documentation creates a vulnerability to misrepresentation, making income one of the most commonly falsified data points in consumer loan applications. OCCU sought to add a verification layer that would mitigate income-related fraud risk without introducing delays into its indirect lending workflow. Conductiv now supports that process by sending applicants a secure verification link that retrieves income details directly from their bank account or payroll documentation. The system then runs a fraud and risk review, calculates verified income, and returns the completed documentation along with an associated risk score directly into OCCU's loan origination system (LOS).

With income calculations and document uploads now automated, OCCU's underwriting team no longer needs to manually attach income documents to applications. Manual fraud review time has also been minimized, as each file is delivered with a risk score.

The benefits extend beyond OCCU's internal operations. Dealers are no longer required to collect income documentation from applicants or upload it to the application. Members, meanwhile, can complete the verification process independently, without relying on a dealer or obtaining paperwork from their payroll provider. The overall result for OCCU is a streamlined path from application to decision, with verified documentation, calculated income, and a risk assessment all available before a file reaches an underwriter.

"Conductiv was the right fit because it allows us to make decisions more quickly while giving our team greater confidence in the income information supporting each application," said Amy Robinson, Consumer Underwriting Manager at OCCU. "This is the first workflow we've used that sends a verification link directly to the applicant, calculates income, and returns a risk score. It has been easy for our team to adopt, and the ability to upload documents directly into our LOS creates real efficiencies for us. By reducing the time spent reviewing these applications, our underwriters also have more capacity to focus on the loans that require a more detailed manual assessment."

"OCCU's results show exactly what we set out to deliver: faster, more confident lending decisions supported by verified income data and a lower risk of fraud, without disrupting the systems lenders already rely on," said Gopal Swamy, CEO at Conductiv. "The increase in efficiency creates capacity across the underwriting function, allowing OCCU to spend its time where human assessment adds the greatest value. As OCCU grows beyond its current footprint, we're proud that Conductiv's income verification and risk assessment capabilities can scale with them and support that growth."

Looking ahead, OCCU expects Conductiv to continue playing a role in its broader indirect lending strategy, supporting objectives across growth, efficiency, dealer experience, member experience, and portfolio quality as the credit union expands beyond its current footprint.