The Atlantic Federal Credit Union Becomes First Credit Union to Go Live with MANTL Loan Origination
MWN-AI** Summary
The Atlantic Federal Credit Union (The Atlantic FCU), based in New Jersey, has made headlines by becoming the first credit union to leverage the MANTL Loan Origination Platform for consumer lending. This notable achievement signifies a substantial step forward in the digital transformation of lending services, enabling The Atlantic FCU to enhance the application process through speed, automation, and ease of use.
By integrating MANTL's platform, the credit union can automate real-time eligibility verification and membership enrollment directly within the loan application process. This innovation offers a streamlined journey from application to funding, thereby improving operational efficiency significantly. The credit union has launched a wide array of consumer loan products, including auto loans, personal loans, and credit cards, and is also looking to expand into real estate lending.
Adam Cadmus, Chief Experience Officer at The Atlantic FCU, remarked on the importance of MANTL's technology in creating a seamless, secure lending experience. The dual implementation of both loan and deposit onboarding processes not only improves member satisfaction but also opens avenues for cross-sell and up-sell opportunities.
MANTL was formed in collaboration with a cohort of over ten progressive financial institutions to create an effective consumer lending solution. Throughout its development, this group offered feedback to refine the platform and enhance the borrowing experience, further emphasizing the collaborative nature of the financial technology community.
Benjamin Conant, Chief Product Officer at Alkami and MANTL co-founder, highlighted that this launch exemplifies MANTL's vision for unifying deposits and lending, setting a blueprint for future growth in the credit union space. This initiative reflects a growing trend among financial institutions seeking to modernize their lending processes and enhance customer experiences.
MWN-AI** Analysis
The Atlantic Federal Credit Union's recent launch of the MANTL Loan Origination Platform marks a significant development in the evolution of credit unions and their adoption of advanced technology to enhance lending processes. By becoming the first credit union to integrate such a platform for consumer loans, The Atlantic FCU not only streamlines its operations but also positions itself strategically in an increasingly competitive financial landscape.
Investors and stakeholders should take this development as a positive indicator of the credit union's commitment to modernization and customer experience. The MANTL platform focuses on automating eligibility verification and membership enrollment, which can notably reduce processing times and improve operational efficiencies. This positions The Atlantic FCU to attract a larger membership base, ultimately increasing loan origination volumes.
The comprehensive suite of loans being offered—including auto loans, personal loans, and credit cards—across a unified digital platform enhances customer experience and provides ample cross-sell opportunities. As consumer behavior continues to shift towards digital preferences, this strategic move may lead to increased member retention and enhanced satisfaction scores, positively impacting future financial results.
However, potential investors should also keep an eye on how other credit unions and financial institutions react to this enhancement in technology. The pace at which competitors adopt similar platforms could affect The Atlantic FCU's operational advantages. Additionally, monitoring the performance metrics associated with the MANTL platform will be crucial. Metrics such as application-to-funding times, customer satisfaction, and overall lending growth will provide valuable insights into the effectiveness of this new system.
In summary, The Atlantic FCU's launch of the MANTL Loan Origination Platform is a robust signal for growth and modernization within the credit union model. Stakeholders should watch closely as the effects of this technological upgrade unfold in their financial performance and competitive positioning.
**MWN-AI Summary and Analysis is based on asking OpenAI to summarize and analyze this news release.
PR Newswire
Credit union launches consumer lending on the MANTL Loan Origination Platform to scale loan growth and deliver a unified experience across deposit and loan onboarding and account opening
PLANO, Texas, Jan. 22, 2026 /PRNewswire/ -- MANTL, an Alkami solution team and a leading provider of loan and deposit account opening technology, today announced that New Jersey-based The Atlantic Federal Credit Union (The Atlantic FCU) is the first credit union to go live with consumer loans on the MANTL Loan Origination Platform. This milestone represents a significant advancement in digital lending transformation and demonstrates the power of MANTL's Platform to improve the consumer lending experience through increased speed, automation, and simplicity. By simultaneously launching consumer deposit onboarding and account opening on MANTL, The Atlantic FCU is embracing a unified approach to account origination and share creation across both loans and deposits.
With MANTL Loan Origination, The Atlantic FCU now automates eligibility verification and membership enrollment in real time within the loan application, streamlining the path from application to funding and dramatically improving operational efficiency. The credit union launched with a comprehensive suite of consumer loan products, including auto loans, personal loans, credit cards, specialty vehicle loans, personal lines of credit, and share- and certificate-secured loans. The Atlantic FCU is also expanding its use of the MANTL Platform to support real estate lending, including home equity loans and lines of credit.
"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," said Adam Cadmus, chief experience officer at The Atlantic FCU. "Based on experience with MANTL's deposit technology, we had a clear understanding of the power of its Platform to modernize complex processes and elevate the digital experience. 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."
MANTL collaborated with a development partner cohort of more than 10 forward-thinking financial institutions to build a modern consumer lending solution to replace legacy lending technology. Cohort members received early access to the unified origination platform and served as strategic partners in informing product design and functionality. Throughout development, the group met regularly to provide structured feedback, share best practices, and identify opportunities to innovate and streamline the borrowing experience.
"Participating in the cohort was an incredible opportunity to collaborate with some of the most innovative leaders in our industry, and it reflects the collective strength of the MANTL customer community in shaping how modern financial technology is built," continued Cadmus. "We have appreciated MANTL's consultative approach to our partnership. Beyond giving us access to next-level technology, the entire MANTL team, from product and engineering to project management and the executive level, has been hands-on in helping us challenge assumptions, refine processes, and deliver a truly competitive digital lending experience."
"The Atlantic FCU becoming the first credit union to go live with consumer lending is a major milestone for MANTL on our loan origination journey," said Benjamin Conant, chief product officer, Alkami and co-founder, MANTL. "Their partnership throughout development accelerated our ability to expand the MANTL Platform to deliver a modern, automated lending solution. This launch validates our vision and establishes a blueprint for how credit unions can unify deposits and lending to drive meaningful growth and institution-wide efficiencies with MANTL."
MANTL has demonstrated continued momentum in the loan market since first introducing business and small business administration (SBA) loans in partnership with Grasshopper Bank. In addition to building the consumer lending solution from the ground up, the company has expanded its ecosystem of best-in-class loan integration partners, including Taktile, Method Financial, and others.
To learn more about MANTL Loan Origination, visit here.
To learn more about Anticipatory Banking and the Alkami Digital Sales & Service Platform, visit here.
Alkami has been certified by J.D. Power in 2024 and 2025 for providing "An Outstanding Mobile Banking Platform Experience."1
About MANTL
MANTL is an Alkami solution team that offers unified account origination technology, empowering banks and credit unions to open loan and deposit accounts seamlessly on any banking channel in real time. MANTL Deposit Origination is among the fastest and most performant solutions on the market; consumers can open a new deposit account in under five minutes, businesses can open a new deposit account in under 10 minutes, and MANTL customers raise billions in core deposits. MANTL Loan Origination simplifies each step in the loan process, automating up to 100% of loan application decisions to ensure an intuitive, feature-rich experience from personal loans to business financing. Founded in 2016, MANTL was acquired in March 2025 by Alkami Technology, Inc. (Nasdaq: ALKT), a digital sales and service platform provider for financial institutions in the U.S. For more information, visit mantl.com or follow MANTL on LinkedIn.
About The Atlantic Federal Credit Union
The Atlantic Federal Credit Union was founded in 1935 as a not-for-profit financial cooperative to meet the savings and borrowing needs of members. Today, The Atlantic Federal Credit Union exclusively serves Essex and Union counties in New Jersey with financial wellness resources, competitive rates and technology-driven solutions for personal and business banking. For full eligibility criteria and more information, visit TheAtlanticFCU.com.
Media Relations Contacts
Vested
alkami@fullyvested.com
Marla Pieton
marla.pieton@alkami.com
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1 J.D. Power 2025 Mobile App Platform Certification ProgramSM recognition is based on successful completion of an audit and exceeding a customer experience benchmark through a survey of recent servicing interactions. For more information, visit www.jdpower.com/awards. |
SOURCE Alkami Technology, Inc.
FAQ**
How does the partnership with MANTL and Alkami Technology Inc. ALKT enhance The Atlantic Federal Credit Union's ability to streamline and automate its lending processes, and what specific benefits are expected for members as a result?
What innovative features of the MANTL Loan Origination Platform did The Atlantic Federal Credit Union prioritize during its implementation, and how do they align with industry trends in digital lending?
Can you explain how The Atlantic Federal Credit Union plans to leverage real-time eligibility verification and membership enrollment within the MANTL Loan Origination, and how Alkami Technology Inc. ALKT supports this initiative?
Given that The Atlantic Federal Credit Union is the first to go live with this platform, what lessons can be drawn from this experience that may inform future credit unions considering integration with MANTL and Alkami Technology Inc. ALKT?
**MWN-AI FAQ is based on asking OpenAI questions about Alkami Technology Inc. (NASDAQ: ALKT).
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