Case Study: Meritrust Credit Union triples vehicle loan productivity with TurnKey Lender's automated originations platform

Meritrust Credit Union Tripled Productivity With Automated Originations Platform

Meritrust Credit Union, founded in 1935 and today the largest credit union in Kansas with $1.3 billion in assets and over 91,000 members, was hampered by an outdated site‑licensed origination system that lacked automation, credit scoring, dealer and core integrations, and digital closing capabilities. Manual, duplicated data entry and workarounds left automation at about 10%, overwhelmed quality assurance, and slowed vehicle loan processing — so Meritrust turned to TurnKey Lender’s SaaS automated loan origination platform to modernize its vehicle lending.

TurnKey Lender implemented a comprehensive automation solution — including matrix rules for pricing and limits, integrations with dealer and core systems, online document signing and digital closings via APIs, third‑party dealer portals, and multi‑channel access for staff — which tripled productivity for direct and indirect vehicle loans. With TurnKey Lender, automated decisions rose from 10% to 31% for bank‑sourced applications and to 40% for dealer‑sourced ones, 120 clicks were eliminated, and booked loans, average loan size and funding speed all improved while processing errors and manual work declined.

Meritrust Credit Union