CU Direct Corporation (Origence)

Origence is a Credit Union Service Organization (CUSO) that provides integrated origination technology solutions designed to transform the lending experience for credit unions. Its mission is to enable credit unions to make more loans and improve operational efficiencies. Headquartered in Irvine, California, with additional offices in Ontario, California, and Greenwood Village, Colorado, the company operates with the mantra "we go as credit unions go," emphasizing its commitment to the credit union community.

The company's key offerings include the Origence arc lending suite, which features arc OS (loan origination system), arc DX (digital lending experience), and arc MX (marketing automation). Origence also operates the CUDL (Credit Union Direct Lending) platform, a significant indirect lending network connecting credit unions with automotive dealerships. Additionally, it provides Origence Lending Services, offering outsourced loan processing, underwriting, and other support services. Its solutions encompass auto shopping, automated loan decisioning, account opening, embedded finance, digital contracting, and credit bureau services, all aimed at enhancing the lending process for credit unions and their members.

Formerly known as CU Direct, the company rebranded to Origence in November 2022, with CU Direct remaining as the holding company CUSO. In 2024, Origence facilitated $53 billion in funding, serving two million members across 1,100 credit unions and nearly 20,000 auto dealers. Credit unions utilizing the CUDL platform have collectively been the nation's leading auto lender for five consecutive years as of 2025. Under the leadership of President & CEO Tony Boutelle, Origence continues to expand its AI-driven lending technology, including partnerships with Zest AI for automated underwriting and Tesla for credit union financing. The company also actively supports community initiatives, raising $2.4 million for Children's Miracle Network Hospitals through its annual Wine Auction in March 2026.