IRVINE, Calif.– Origence CUDL, the auto lending network and indirect lending platform, is reporting it funded $48 billion in auto loans in 2025.
For the fifth consecutive year, credit unions using CUDL collectively remained the number-one auto lender in the country, the company said, adding that its network now connects more than 20,000 franchised and independent dealerships with more than 1,100 credit unions, including 80% of the top 10 and 60% of the top 50 credit unions by asset size. Those CUs represent 68 million members nationwide, Origence said.
“In 2025, we strengthened dealer access to credit union financing and expanded digital capabilities that keep financing tied to dealer inventory,” President and CEO Tony Boutelle said in a statement. “From enhanced digital integrations to eContracting, we delivered solutions that help dealers close deals faster and meet customers wherever they shop.”
eContracting Speeds Decisions
Origence noted that CUDL launched eContracting in multiple markets in 2025, with additional rollout planned for 2026. By integrating directly into dealer workflows, eContracting for CUDL reduces funding time, improves compliance, and minimizes errors, resulting in cleaner contracts and a more predictable process that enhances both dealer and buyer satisfaction, according to Origence.
Growing Participation
The company further reported that CUDL expanded its credit union network in key dealer markets, including the East Coast and Midwest, giving dealers access to more lenders and greater funding efficiency.
“CUDL continues to capture a significant share of the indirect volume, facilitating up to 80% of all credit union auto loans in high-density states like California and Utah,” the company said. “For dealers, this growth means a stable, scalable network with proven workflows designed to keep deals moving. Positioned for dealers and the future of auto retail CUDL is building infrastructure for both traditional and digital retail environments.
“By combining embedded finance APIs, a national credit union funding network, and dealer and consumer-ready workflows, CUDL enables credit union financing to operate seamlessly across dealer showrooms, online marketplaces, and direct-sale environments—without fragmenting relationships or compromising execution,” it added.
More Than $500 Billion
Since 1994, Origence CUDL has facilitated more than $500 billion in funded auto loans, supporting sustained growth for credit unions and dealers alike, the organization said.
“Backed by Origence’s continued investment in automation, embedded finance, AI, and platform modernization, CUDL enters 2026 as the most comprehensive and scalable indirect auto lending platform in the market,” it added.
