Future-Ready Lending: How Truvion's Loan Solutions Support Credit Unions

In our recent webinar, Future-Ready Lending with Truvion, attendees were introduced to a powerful partnership between CUCollaborate and Truvion, focused on helping credit unions future-proof their lending operations while expanding access to capital for underserved communities.

Through this collaboration, credit unions can now tap into a suite of lending products—residential mortgages, commercial real estate, personal loans, and business loans—that support CDFI goals, help meet designation thresholds, and grow membership in strategic and compliant ways.

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A Shared Mission: Lending That Aligns With Impact

Ben Hering, Director of Partnerships at CUCollaborate, kicked off the session by contextualizing the role of CUCollaborate’s data, tools, and partnerships in helping credit unions grow sustainably. Truvion, introduced by Principal Victor Loo, brings an aligned mission to the table: using lending infrastructure and a flexible platform to create scalable, inclusive lending strategies for credit unions nationwide.

What sets the partnership apart is Truvion’s ability to leverage CUCollaborate’s APIs to determine whether loan applicants fall within CDFI-eligible geographies or populations, including:

• Investment Areas (IA)
• Low-Income Target Populations (LITP)
• Other Target Populations (OTP) including newly recognized ADA-defined disabilities

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Lending Infrastructure Designed for Flexibility and Scale

Truvion’s platform supports a variety of lending products with built-in technology to verify CDFI eligibility at the point of application. This is done through seamless integration with CUCollaborate’s data layer and includes:

• Residential Mortgages: Conventional, FHA, VA, and USDA loans—with the ability to deliver qualified paper to CDFI-designated partners.
• Commercial Real Estate: Support for full or brokered loan structures with customization based on each credit union’s buy box and risk tolerance.
• Business and Personal Loans: An important entry point for expanding membership and reaching individuals historically excluded from financial access. Truvion’s system evaluates every applicant for CDFI relevance and delivers qualified borrowers to participating credit unions.

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ADA-Recognized Disabilities: A New Avenue for CDFI Qualification

The webinar also highlighted a significant update to CDFI eligibility: as of late 2023, the CDFI Fund now includes people with disabilities—defined by ADA criteria—within the “Other Targeted Populations” (OTP) category.

Truvion and CUCollaborate are actively working with credit unions to help them understand and ethically engage this newly qualified group through data-driven targeting and compliant practices, including self-declaration options.

From Lead to Loan: A Customizable, Credit Union-Driven Process

A core strength of the Truvion model is its adaptive delivery model. Through conversations with each credit union partner, Truvion defines a tailored buy box (e.g., DTI, LTV, credit score requirements), builds this into its system, and routes applications accordingly.

Credit unions can:

• Accept paper Truvion underwrites and delivers
• Set their own loan purchase criteria
• Customize pricing or participation structures
• Opt into white-label or co-branded delivery

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Technical Integration Built to Fit Your Tech Stack

Truvion supports multiple levels of tech integration—from API-based delivery into LOS systems (especially mature asset classes like mortgages) to custom portal solutions for more flexible products like personal loans. Their robust tech team works directly with each credit union to ensure compatibility and compliance.

Q&A

➤ How are applicants matched to credit unions with overlapping fields of membership?

Truvion prioritizes member benefit first—routing applicants to partners that best fit the member’s needs and price point. They’re transparent about pricing gaps and work closely with credit unions to ensure alignment.

➤ Can credit unions adjust credit box criteria over time?

Yes. Truvion allows for dynamic updates to underwriting criteria based on market shifts or internal policy changes.

➤ What does the member experience look like?

Initial offers are Truvion-branded, with credit union branding integrated after eligibility and underwriting. Disclosures and product finalization reflect the partnering credit union.

➤ Is whole-loan purchase required for CRE?

Not necessarily. Truvion can deliver full loans or brokered opportunities depending on credit union preference.

➤ Does Truvion support SBA lending?

Yes. Truvion can broker SBA loans; however, credit unions would handle the loan packaging.

A Forward-Thinking Approach to Lending & Certification

Whether you’re working toward CDFI certification, maintaining it, or simply aiming to expand impact-driven lending strategies, this partnership offers practical solutions. CUCollaborate and Truvion help credit unions grow their lending portfolios while meeting certification goals—all within a compliant, data-driven, and highly customizable framework.

👉 Credit unions interested in expanding membership, increasing volume, or diversifying asset classes are encouraged to connect!

‍📅 Book a Meeting today to discuss what loan solutions might be right for you.