Wright-Patt Credit Union pursues embedded lending with LoanStar, unlocking new opportunities and better serving their member community (2024)

Wright-Patt Credit Union pursues embeddedlending with LoanStar, unlocking new opportunitiesand better serving their member community (1)

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LoanStar Technologies Wright-Patt Credit Union pursues embeddedlending with LoanStar, unlocking new opportunitiesand better serving their member community (2)

LoanStar Technologies

Powering embedded lending programs.

Published Jan 25, 2024

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Setting the Stage

Wright-Patt Credit Union , a financial institution with a strong community legacy spanning over 91 years, is the single largest credit union in Ohio. Driven by its unwavering dedication to member satisfaction, and an institutional focus on sustained innovation, the credit union set out to explore new lending avenues, including the integration of an embedded lending program. Wright-Patt’s primary objective was to diversify their indirect lending program while also venturing into lifestyle lending—an area that had posed challenges due to its cumbersome processes and outdated technology. In 2021, Wright-Patt chose LoanStar Technologies as their embedded lending partner due to LoanStar’s deep roots in the credit union sector—an advantage that demonstrated LoanStar’s unique understanding of the challenges credit unions face and shared commitment to the core principle of serving members.

Navigating the Solution

Opting to begin with a slow and intentional approach to adoption, Wright-Patt gradually onboarded merchants to gauge merchant sentiment and streamline internal processes. While the introduction of a new platform was initially met with skepticism, the credit union persevered and witnessed the program more than double in size within a year as merchants gained confidence in its exceptional experience. While the LoanStar platform delivered many advantages, its ease of use and scalability quickly emerged as the most instrumental in assuring the success of Wright-Patt’s program. For merchants, LoanStar’s cloud-based platform ensured easy access, strong configurability, and a customer-centered experience that fortified customer loyalty and satisfaction. For Wright-Patt, the platform provided seamless integration with the credit union’s existing operating system alongside the ability to scale loan originations up or down with complete flexibility.

The utilization of LoanStar’s MerchantLinQ platform propelled Wright-Patt’s lending programs to new heights, delivering substantial growth in both applications and originations. In addition, the platform powerfully supported local merchant businesses. Notably, the program facilitated connections with merchants who had previously operated on a cash-only basis, providing them an opportunity to close higher-cost projects and grow sales. Wright-Patt found particular success in the home improvement segment, with a notable contribution from renewable energy projects. As Wright-Patt continued to grow their merchant community, they saw a corresponding impact on deposits as merchants converted into loyal credit union members and entrusted Wright-Patt with a variety of their financial needs. And this is just the beginning. Wright-Patt looks forward to sustaining and expanding its working relationship with LoanStar by offering diverse lending solutions and continuing to strategically add new merchants to the program. In LoanStar, Wright-Patt found the right platform and the right partner—a mission-driven organization who, like Wright-Patt, would prioritize the needs of members above all.

“We love that LoanStar has its roots in the credit union side of the house. We prefer to work with companies that understand credit unions and the unique challenges we face, as well as the philosophies around how credit unions operate—serving our members is our top priority. It’s been key to our partnership that LoanStar is like-minded and has a deep understanding of the credit union space."

- Hennessy Harris, Director of Indirect Lending, Wright-Patt Credit Union

Wright-Patt Credit Union pursues embeddedlending with LoanStar, unlocking new opportunitiesand better serving their member community (3)

Why LoanStar for Wright-Patt?

👉 Commitment to credit unions

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Founded by former credit union professionals and widely trusted by the credit union community, LoanStar demonstrates a deep understanding of Wright-Patt’s values and member-focused approached.

👉 Versatile offerings

Designed for diverse lending opportunities, LoanStar’s MerchantLinQ platform enables Wright-Patt to effortlessly evolve its loan portfolio and work with a variety of contractors.

👉 Seamless integration

Seamlessly integrated with Wright-Patt’s existing systems, LoanStar powers up intuitive, user-centered experiences for credit unions and merchants to support effortless adoption.

👉 Fully web-based

As a web-based platform, LoanStar ensures Wright-Patt’s merchants and their end customers can secure reliable access from anywhere without the need for download and installation.

How will LoanStar help you grow?

Learn more about our turnkey embedded lending solution at www.loanstartechnologies.com.

Download the case study here.




Ginger T.


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Jennifer Broadwell Hi Jennifer I’m interested in the Inside Sales opportunity and applied. I have 10 + yrs residential lending & business lending in merchant cash advances & financial solutions with b2b & b2c worked retail and broker channels. I’m success driven, confident, enthusiastic, love collaborating, strategic problem solver, analytical, detailed, motivated, and coachable. Let’s Chat!

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Jaydin Felix

Marketing Manager @ LoanStar | Full-Stack Integrated FinTech Marketer


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Amazing growth for such a great credit union!

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Wright-Patt Credit Union pursues embedded
lending with LoanStar, unlocking new opportunities
and better serving their member community (2024)


What is the mission statement of WPCU? ›

Wright-Patt Credit Union helps people through life. Wright-Patt Credit Union will be the best organization our member-owners have ever experienced and the best place our partner-employees have ever worked!

What is the history of Wright-Patt Credit Union? ›

History. The organization that is now Wright-Patt Credit Union was founded in 1932. It was during the national economic depression of the early 1930s (the Great Depression) that federal employees at Wright Field (now Wright-Patterson Air Force Base) recognized the need for an “every person” financial institution.

Who is eligible for Wright-Patt Credit Union? ›

Membership: Individuals living, working, or worshiping from Southwest and Central Ohio are eligible.

Why Wright-Patt Credit Union? ›

As a trusted Cincinnati, Dayton and Columbus credit union, Wright-Patt Credit Union is an equal housing lender and a not-for-profit, member-owned financial institution, dedicated to giving all our members the products and resources they need to make life a little easier: Lower fees, higher interest rates, excellent ...

What is Wright-Patt known for? ›

Wright-Patterson Air Force Base is located northeast of Dayton, Ohio, and encompasses parts of Greene and Montgomery counties. The base has a rich aviation heritage. The pioneering work of Orville and Wilbur Wright from 1899 to 1903 enabled them to achieve the first manned, powered flight.

Who is the CEO of Wright-Patt Credit Union? ›

Wright-Patt Credit Union's new President & CEO, Tim Mislansky, talks about areas of opportunity and how the credit union plans to take great care of members moving forward. Watch the video below to hear his message.

Is Wright-Patt Credit Union federally insured? ›

Additionally, member deposits are insured up to $250,000 by the NCUA – the sister organization to the FDIC for credit unions. ​WPCU takes to heart the trust you place in us and will continue to make sound decisions with your hard-earned money.

What is the largest credit union bank? ›

Navy Federal Credit Union

How big is Wright-Patt Credit Union? ›

Top 250 U.S. Credit Unions by Asset Size (2023)
RankCredit Union NameTotal Assets
39CITIZENS EQUITY FIRST$ 7,677,654,512
40REDSTONE$ 7,599,949,190
41REDWOOD$ 7,527,852,676
148 more rows
Jan 16, 2023

What ATMs are compatible with Wright-Patt Credit Union? ›

Your ATM/debit card will give you convenient access to your credit union accounts through any ATM with the STARTM or Plus® logos. And to make life more convenient WPCU has partnered with ATM providers to give you lower-to-no-fee access to any Alliance One® network or CO-OP Network ATMs.

Can anyone join a local credit union? ›

Anyone can join a credit union, as long as you are within the credit union's field of membership. This is the common bond between members. The common bond could be your: Employer - Many employers sponsor their own credit unions.

Does Wright-Patt Credit Union have online banking? ›

Wright-Patt Credit Union's Online Banking makes life a little easier with access to your account and the ability to perform transactions whenever and wherever you're online. It's easy, convenient and free! To learn more about Online Banking, click here for an interactive demo.

Are credit unions safer than banks? ›

Generally, credit unions are viewed as safer than banks, although deposits at both types of financial institutions are usually insured at the same dollar amounts. The FDIC insures deposits at most banks, and the NCUA insures deposits at most credit unions.

Why not to use a credit union? ›

Credit unions tend to have fewer branches than traditional banks. A credit union may not be close to where you live or work, which could be a problem unless your credit union is part of a shared branch network and/or a large ATM network such as Allpoint or MoneyPass. May offer fewer products and services.

Why do people use credit unions instead of banks? ›

People choose banks primarily because of the convenience of multiple branches across the country, along with better technology. On the flip side, people choose credit unions primarily because of discounted loan rates, higher interest rates and better customer service.

What is the mission statement of mission Federal credit union? ›

We're for People, Not for Profit

That's why our members and the communities we serve are the heart and soul of everything we do. We invest in our community. We put members first. We are committed to service.

What is the mission statement of Access credit union? ›

Mission. Access Credit Union's mission is to meet the financial needs of our membership by offering a diverse array of quality products and services delivered by knowledgeable and dedicated personnel.

What is the mission statement of the University of credit union? ›

University Credit Union (UCU) is a purpose-driven financial cooperative dedicated to giving everyone in the University Community a financial advantage.

What is the mission statement of Global credit union? ›

Our mission is to improve the financial wellbeing of our members and the communities we serve. It's the people who make a difference in our communities.


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