Andrews Federal Credit Union Taps Scienaptic AI to Elevate Lending and Expand Credit Access

NEW YORK--(BUSINESS WIRE)--Scienaptic AI, a global leader in AI-powered credit underwriting, today announced that Andrews Federal Credit Union, based in Suitland, Maryland, has chosen its platform to enhance credit access for its members. Andrews Federal is adopting Scienaptic’s AI-powered, regulatory-compliant technology to support its goals of making faster, smarter lending decisions, streamlining credit processes, and extending lending opportunities to underserved members.

Founded in 1948, Andrews Federal Credit Union serves over 141,000 members worldwide and holds more than $2.5 billion in assets. With 15 branches across Washington, D.C., Maryland, Virginia, New Jersey, and locations in Germany, Belgium, and the Netherlands, the credit union has proudly supported military and civilian communities for more than 75 years. Andrews Federal continues to deliver innovative financial solutions that help members reach their financial goals, while also maintaining a steadfast commitment to service, safety, and soundness.

“At Andrews Federal, our mission is to support our members with timely, personalized financial solutions that evolve with their needs,” said Pat Campbell, Chief Lending Officer at Andrews Federal Credit Union. “Our partnership with Scienaptic AI is a critical step in enhancing our lending infrastructure to reflect our values and support our global member base. Their platform will advance our credit decisioning and provide greater efficiency, precision, and consistency. By increasing decision automation and unlocking deeper insights, we will be able to streamline lending while enhancing the lending experience for our members.”

Patrick McElhenie, Chief Growth Officer at Scienaptic AI, added, “We are thrilled to partner with Andrews Federal Credit Union in their mission to serve their members. Their global footprint and member-first approach align perfectly with our platform’s ability to drive smarter decisions, improve automation, and expand credit access. We look forward to supporting their journey toward more inclusive and agile lending.”

About Scienaptic AI

Founded in 2014, Scienaptic AI was built with the mission to drive financial inclusion at scale through AI-driven credit decisioning. The platform encapsulates a decade of technological innovation, integrating more data into decision-making, leveraging advanced machine learning algorithms, and supplementing them with rigorous risk and fair lending monitoring processes. This enables financial institutions to reach more borrowers—including underbanked and underserved individuals—and say “yes” more often without increasing risk.

In September 2024, Scienaptic’s Credit Union Service Organization (CUSO) received strategic equity investments from its clients, further strengthening its mission to elevate lending with AI-driven solutions for inclusive loan growth, automation, lifecycle management, and compliance. Today, the CUSO is backed by 10 strategic investors, underscoring Scienaptic’s deep commitment to the core principle of "people helping people."

The Scienaptic AI platform plays a vital role in supporting over 150 lenders by enhancing lending accuracy and efficiency. Scienaptic’s credit decisioning expertise spans financial institutions collectively managing $3.9 trillion in assets. The platform processes over 3 million credit decisions each month, evaluating loan applications worth more than $3 billion. This enables over 1.3 million underserved individuals every month to access credit opportunities that were previously out of reach. Driven by the growing demand for AI in lending, the company has expanded by over 2,000% in the past three years.

For more information, visit www.scienaptic.ai.