# Origence

> Origence is a credit union service organization providing lending software, a dealer-to-credit-union financing network, outsourced loan operations, marketing automation, and embedded finance. Its CUDL network connects about 1,100 credit unions and 20,000 auto dealers nationwide; the company reported $62 billion in loans funded through its platforms in 2025.

- **Founded:** 1994
- **Headquarters:** Irvine, United States
- **Founders:** Tony Boutelle (Founding leader; President and CEO)
- **Products:** CUDL, AutoSMART, Origence arc OS, Origence arc DX, Origence arc MX
- **Notable:** Reported $62 billion in loans funded through its platforms in 2025, up 17% from 2024., Reported over 2.2 million loans funded in 2025., 2025 reporting lists 1,100 credit unions, 20,000 dealers, and 124 shareholders.

## Products & services

- **CUDL** — Indirect lending network connecting credit unions and auto dealers; supports credit applications, lender decisioning, and funding workflows.
- **AutoSMART** — Credit-union-branded online auto shopping and dealer inventory marketing.
- **Origence arc OS** — Loan and account origination with configurable decisioning, low-code workflows, integrations, and AI underwriting options; successor to Lending 360.
- **Origence arc DX** — Digital member applications for loans and deposit accounts, including identity verification and electronic signatures.
- **Origence arc MX** — Marketing automation, formerly Intuvo, for targeted member communications and triggered campaigns.
- **SmartFund** — Digital submission and management of dealer funding packages; distinct from full digital contract creation.
- **Origence Lending Services** — Outsourced processing, underwriting, documents, calls, and lending notices.
- **Document Processing Automation** — AI-assisted classification, data extraction, and verification of indirect lending documents.
- **FI Connect** — Licensed finance subsidiary connecting credit unions to embedded and direct-to-consumer lending channels.
- **eContracting for CUDL** — Digital contract creation, validation, signing, and delivery; dealer use depends on credit union adoption.
- **Hello Refi** — FI Connect auto refinance brand launched with 47 credit union clients.

## Achievements

- Reported $62 billion in loans funded through its platforms in 2025, up 17% from 2024.
- Reported over 2.2 million loans funded in 2025.
- 2025 reporting lists 1,100 credit unions, 20,000 dealers, and 124 shareholders.
- Named NACUSO’s 2023 CUSO of the Year - Distinguished Service Award recipient.
- Consumers Credit Union case study reports roughly doubled deals per funder and approximately $210,000 in annual staffing cost savings.

## Latest updates

- **2026-10** — Hello Refi auto refinance solution announced October 1, launching with 47 credit union clients under FI Connect.
- **2026-02** — February 26 performance release reports 17% growth in 2025 loan fundings and 89 new or expanded credit union contracts.
- **2025-06** — Zest Protect integration with arc OS announced to strengthen fraud detection.

## Links

- Website: https://origence.com/
- LinkedIn: https://www.linkedin.com/company/origencecompany
- Twitter/X: https://twitter.com/origencecompany
- YouTube: https://www.youtube.com/@origencecompany
- Facebook: https://www.facebook.com/origenceco/

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Profile page: https://yespress.io/origence
Published by YesPress — https://yespress.io
Last updated: 2026-10-17