88% of the members you decline never come back.
Credit Mountain gives them a path back to approval, so a "no" today becomes a funded loan for your credit union tomorrow.
0%
Credit Mountain gives them a path back to approval, so a "no" today becomes a funded loan for your credit union tomorrow.
The problem
Credit unions face four costs with every decline they give.
The member gets funded elsewhere, and the future loans they'd have brought go with them.
Confused members call your loan officers to ask what the notice meant.
A member who feels dismissed leaves a public review.
You're still printing and mailing paper notices.
The opportunity
The adverse action notice has always been a cost. A form you're required to send, with nothing to show for it.
Credit Mountain turns it into the opposite. The same notice becomes a member-first path back to approval, under your brand, that brings declined members back as funded loans.
The platform
Three parts that work together to bring a declined member back.
Plain-English, not legal boilerplate. The member actually understands why they were declined.
A real roadmap built around their situation, so they know exactly what to do next.
We track their progress and tell you when they're ready to reapply, so you get there first.
The platform
A decline becomes a coached path back, and credit monitoring lives under your brand — so improving members keep climbing with you.
A traditional decline ends the conversation. The Warm Decline opens a plain-English path back to approval — under your brand.
Auto loan · a member you once declined
Score, alerts, and coaching — white-labeled as yours. Members track their progress without ever leaving your brand.
Your credit score
VantageScore 4.0® from TransUnion®
The proof
See what bringing declined members back could mean for your loan volume.
The average credit union sees
Book a demo and we'll show you what this looks like for a credit union your size.