Now available on MeridianLink Consumer and DecisionLender

Point Predictive helps credit unions identify consumer loan applications that have truthful and reliable information while ensuring an elegant and lightweight new member experience. Point Predictive's vast data consortium provides insights that can only be gleaned from hundreds of millions of true and falsified loan applications. The scores, alerts and notifications generated help credit unions to streamline their operations and reduce their overall fraud risk.

*The MeridianLink integration falls under the digital applications and origination services categories within MeridianLink's Marketplace, with both AVM and fraud integration types.

Hear What Our Clients Are Saying

“Point Predictive is more than a vendor – they are our partner. I am a huge fan of Point Predictive.”
Steve M Christensen
SVP | Elite Acceptance Corp.

Our Expertise is in Predictive Science

Point Predictive powers a new level of lending confidence and speed through the unique combination of artificial and natural intelligence using decades of risk management expertise. Our technology solutions quickly and accurately identify who is reporting truthfully on their loan applications and who is not. As a result, lenders are now able to fund loans easily without asking the vast majority of applicants for onerous documentation such as paycheck stubs, utility bills or bank statements. This improves funding rates by 40-50% while reducing overall early payment default losses by more than 30%. Borrowers get loans faster and we significantly boost profits to a lender’s bottom line.

Credit Union Updates

Delinquencies and Charge-Offs Soar at Credit Unions
April 15, 2025
An Unprecedented Rise in Risk Metrics Signals Trouble Ahead Credit unions with assets over $1 billion are facing a concerning reality: delinquency rates and charge-offs ...
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Auto Lending Threats and Solutions in 2025: Point Predictive & Open Lending Analysis
January 21, 2025
Traditional fraud prevention solutions are no longer enough to protect your business from the next generation of lending fraudsters. Let’s explore how lenders can balance ...
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Credit access is tightening for car buyers. Fraudsters are stepping in to fill the void.
December 21, 2023
More prospective borrowers are resorting to fraud in the face of fewer auto financing options. Auto financing was harder to come by in November, according ...
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From Legacy to Cutting-Edge: Overcoming Challenges in Credit Union Lending with Tech Solutions
November 13, 2023
By Don Hoegg, Jr., Fintech Writer Mergers and acquisitions, accompanied by lending-oriented growth strategies, have been a boon for credit unions in recent years. As ...
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Reports

• 2026 Auto Lending Fraud Trends Report
• 2025 Auto Lending Fraud Trends Report
• 2024 Auto Lending Fraud Trends Report
• 2023 Auto Lending Fraud Trends Report
• A Tale of Two Frauds
• The Impact of Inflation on Auto Lending

Note: Additional informational links and references have been omitted for clarity.