Genius for credit unions

Keep the member.
Modernize the mortgage.

Power the entire mortgage experience—from application and pricing through underwriting, closing, capital markets, and servicing integrations—without rebuilding your mortgage department.

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MEMBER / HOMEOWNERSHIP SIGNAL
MEMBER relationship_2841

{
  relationship: "8 years",
  opportunity: "home purchase",
  application: "embedded",
  strategy: "portfolio + investor",
  next_action: "member outreach"
}
Member relationship connectedREADY
MODERN MORTGAGE INFRASTRUCTURE

Your members shouldn’t have to leave
their credit union to get a great mortgage.

Genius integrates into the systems and experiences your members already use. Launch or modernize mortgage without replacing the entire stack, hiring a massive operations team, or handing the relationship to a third-party lender.

THE MEMBER STAYS AT THE CENTER

One relationship.
A complete mortgage journey.

01Your member

A relationship you already earned

02Your experience

Branch, web, and mobile

03Genius core

Software, AI, operations, compliance, and capital

04Great mortgage

Application through funded

05Member for life

Servicing and future opportunities

WHAT GENIUS PROVIDES

Mortgage infrastructure,
connected to your institution.

Keep your brand, member data, operating strategy, and relationship in view across the complete loan lifecycle.

01

White-labeled mortgage experience

Keep the credit union brand and member relationship at the center while Genius powers the infrastructure.

02

Embedded mortgage application

Integrate the application into online banking, mobile banking, or your credit union website.

03

Mortgage APIs

Connect pricing, applications, disclosures, documents, approvals, milestones, and loan status with existing systems.

04

AI-powered origination

Automate income and asset analysis, document review, structuring, AUS, conditions, and underwriting preparation.

05

Broader product offering

Add agency, government, jumbo, non-QM, and other available investor products alongside portfolio programs.

06

Portfolio + secondary execution

Evaluate which loans to retain and which to sell based on economics, concentration, liquidity, and strategy.

07

Mortgage fulfillment

Connect processing, underwriting, closing, funding, and post-close capabilities without building a large operations team.

08

Capital markets infrastructure

Support pricing, hedging, investor delivery, and secondary-market execution through one connected workflow.

09

Servicing connectivity

Maintain the member relationship after closing or connect the loan with an approved third-party servicer.

10

Compliance infrastructure

Standardize workflows, disclosures, controls, approvals, and audit trails across the mortgage lifecycle.

11

Member cross-sell

Turn checking, savings, auto, HELOC, and wealth relationships into timely mortgage opportunities.

12

Homeownership intelligence

Identify members who may be buying, refinancing, accessing equity, or moving before they shop elsewhere.

CONTROLLED FOR YOUR PROGRAM

Your credit union’s strategy stays in control.

Product access, licensing, compliance responsibilities, capital execution, and servicing design depend on the approved program and operating model. Genius works with your team to define those controls.

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HOMEOWNERSHIP INTELLIGENCE

Find the mortgage opportunity
inside the member relationship.

Use authorized relationship and market signals to prepare timely, relevant outreach before members begin elsewhere.

01Checking & savings
02Auto lending
03HELOC & home equity
04Wealth management
05Member life events
06Property and rate signals
GENIUS / CREDIT UNIONS

Keep the member.
Grow the relationship.

Modernize mortgage around the brand, trust, and member experience your credit union has already built.

Talk to Genius