Atlantic Federal Credit Union cuts loan processing to six minutes

The credit union, which serves Essex and Union counties, is the first to implement the MANTL platform. By integrating membership enrollment directly into the loan application workflow, the organization has effectively removed the friction that previously forced staff to handle manual document collection. Internal data shows that 67% of personal loans booked over the last three months required no manual document processing at all.

Beyond speed, the transition has yielded measurable gains in customer retention and efficiency. The institution achieved an 80% application submission rate for personal loans, while automated email reminders successfully re-engaged 80% of applicants who had previously abandoned their forms. Adam Cadmus, chief experience officer at The Atlantic FCU, noted that the platform was designed to minimize data entry requirements for members while allowing the credit union to scale its lending portfolio more aggressively. The implementation was the result of a collaborative development program with Alkami Technology, aimed at replacing legacy lending workflows with a unified digital experience.