Our Approach
People, process, and technology working in sync.
At Drivata Finance, we act as the underwriting arm of our credit union partners—managing every application from submission to funding with speed, accuracy, and compliance at the core. Our approach is straightforward: combine decades of lending expertise with modern technology to deliver real-time decisions, portfolio protection, and seamless dealer experiences. The result is simple—credit unions and dealers get exactly what they need, exactly when they need it.
How it Works
1. Direct Dealer-to-Drivata Submission
Applications flow directly from the dealer into our system, where Drivata’s experienced underwriters review every deal on behalf of our credit union partners. This ensures each loan is consistently aligned with buy-box guidelines.
2. Intelligent, Customized Decisioning
Automated rules are configured to reflect each credit union’s underwriting criteria, accelerating approvals for qualified borrowers while routing exceptions to underwriters for expert review. The outcome: faster decisions without compromising portfolio quality.
3. Compliance at the Core
From ID verification to LTV and term limits, compliance checks are embedded into every step of the process. Each loan is fully documented and examiner-ready from the start.
4. Clean, Complete Funding Packages
Once approved, we work directly with the dealer to clear stipulations and deliver fully documented funding packages. Dealers benefit from clear communication and quick turnarounds; credit unions receive files that meet audit and regulatory standards.
5. Real-Time Tracking & Insights
Our platform provides visibility into the lending pipeline and portfolio performance. Credit unions receive quality metrics; dealers track application status and stipulation clearing—all in real time.
The Drivata Difference
- Full-service underwriting – We manage every step, start to finish.
- Consistent credit quality – Every loan aligned to purchaser’s buy-box.
- Speed without shortcuts – Decisions in minutes, not days.
- Transparent communication – Dealers and credit unions always know the status.
- Examiner-ready files – Documentation and reporting that exceed expectations.
