Last week, 4Front Credit Union selected LendSmart Auto, a new artificial intelligence-powered auto loan pricing engine from Scienaptic AI, to track how it prices vehicle loans for its members.

Scienaptic AI explained its platform moves 4Front Credit Union away from traditional rate-sheet pricing, which assigns the same rate to all loans within a risk tier, to a deal-level model that prices each loan based on the individual borrower, vehicle collateral, and real-time market conditions.

LendSmart Auto can integrate vehicle data at the VIN level, enabling granular analysis of depreciation curves, regional resale demand, auction recovery projections, and loan-to-value exposure for every deal.

The engine also can incorporate 4Front Credit Union’s own target return on assets, factoring in deal and operations costs, to ensure that optimized pricing stays within the credit union’s established financial parameters.

“Our members deserve rates that reflect who they actually are and what vehicle they are buying, not just what credit tier they fall into,” 4Front Credit Union chief lending officer Dave Walters said.

“LendSmart gives us the precision to reward strong collateral and responsible borrowers with better pricing, while making sure we’re protected where real risk exists. That’s a better deal for our members and a stronger portfolio for the credit union,” Walters continued about 4Front Credit Union, which has been serving Michigan communities for more than 70 years and supports more than 105,000 members with more than $1 billion in assets across 20 locations.

Scienaptic AI executive vice president of client impact Eric Steinhoff added, “4Front Credit Union is exactly the kind of forward-thinking institution LendSmart was built for, a lender that takes its member relationships seriously and understands that better pricing starts with better information.

“We’re proud to partner with them and look forward to showing what deal-level intelligence can do for their portfolio,” Steinhoff went on to say.

Scienaptic AI announce strategic collaboration with DCUC

In other company news, Scienaptic AI recently joined the Premier Circle Program orchestrated by the Defense Credit Union Council (DCUC).

DCUC represents credit unions that collectively serve more than 143 million members nationwide. Since its founding in 1963 to advocate for credit unions located on military installations, DCUC has grown to represent all credit unions dedicated to supporting their communities and members, including those who serve.

“Credit unions carry forward their financial cooperative missions every day, supporting communities across America across all demographics and generations, and many of the credit unions we represent carry a long history of serving the unique financial needs of those whose lives are shaped by deployment, relocation, and uncertainty,” said DCUC president and CEO Anthony Hernandez, who retired as a  colonel in the U.S. Air Force.

“We’re happy to welcome Scienaptic AI as our third Premier Circle partner and appreciate their support for our credit unions,” Hernandez continued.

Scienaptic AI can bring AI-powered credit decisioning that sees beyond traditional data gaps and enables credit unions to assess members on a fuller financial picture, to deliver fairer, faster lending decisions.

“Credit unions serving military and veteran communities operate with a deep sense of purpose while navigating some of the most complex lending environments,” Scienaptic AI chief growth officer Patrick McElhenie said. “Through our collaboration with DCUC, we are bringing transparent, explainable, and responsible AI to help these institutions expand credit access, manage risk with confidence, and respond faster to member needs. This is enabled by our iCUE platform and its agentic AI capabilities, purpose-built for lending.

“It is an honor to support organizations that serve those who serve,” McElhenie added.