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MANTL Brings Automated Loan Calculations and Compliance Validation to Loan Origination with Carleton Integration

Alkami Technology (Nasdaq: ALKT) announced an integration between MANTL and Carleton that automates loan calculations and compliance validation within MANTL Loan Origination.

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Alkami Technology (Nasdaq: ALKT) announced an integration between MANTL and Carleton that automates loan calculations and compliance validation within MANTL Loan Origination.

CarletonCalcs OriginationPlus also supplies contract disclosures and amortization schedules within the lending workflow. Alkami says the integration reduces manual work and supports faster lending decisions.

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Beyond calculating and validating loan information, the integration can automatically adjust loan terms where configured, helping keep transactions within defined compliance parameters; this capability is conditional, not stated to apply to every loan.

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"automated loan calculations, amortization, and compliance validation"
Amortization is the process of spreading a large cost over a series of future periods, either by gradually writing off the value of an intangible asset (like a patent or license) or by showing how loan principal is paid down over time. For investors it matters because amortization affects reported profits and cash flow — similar to slicing a big bill into smaller monthly payments — and therefore influences valuations, comparisons between companies, and expectations for future earnings.

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The integration automates loan calculations, compliance validation, and disclosures within MANTL Loan Origination, helping financial institutions improve efficiency, accelerate decisions, and increase lending accuracy

PLANO, Texas, Oct. 21, 2026 /PRNewswire/ -- Alkami Technology, Inc. (Nasdaq: ALKT) ("Alkami"), a digital sales and service platform provider for financial institutions in the U.S., today announced a new integration between MANTL and Carleton, Inc (Carleton) that brings automated loan calculations, amortization, and compliance validation directly into MANTL Loan Origination. The integration helps financial institutions automate complex lending processes, reduce manual work, improve operational efficiency, and deliver faster, more accurate lending decisions.

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Through CarletonCalcs® OriginationPlus, MANTL automates loan calculations, contract disclosures, amortization schedules, and compliance validation within a single lending workflow. By eliminating manual calculations and reducing data movement between systems, the integration helps lending teams originate loans more efficiently, validate disclosures with greater confidence, and deliver a faster borrower experience across physical and digital banking channels.

"Modern lending depends on automation," said Benjamin Conant, chief product officer at Alkami. "Every manual step adds complexity for lenders and slows the experience for borrowers. MANTL Loan Origination is designed to automate as much of the lending workflow as possible so financial institutions can focus on serving borrowers, not managing processes. As more financial institutions modernize lending, we're continuing to expand the ecosystem around MANTL Loan Origination with partners to reduce operational friction and help institutions deliver better lending experiences from application through funding."

CarletonCalcs® OriginationPlus combines loan calculations and compliance validation to support compliant direct loan origination. The integration provides contract disclosure values, fees, taxes, insurance premiums, and other loan-specific charges while ensuring transactions adhere to federal and state-specific requirements and institutional rules. Where configured, the platform can automatically adjust loan terms to help keep transactions within defined compliance parameters, reducing manual intervention while giving lenders greater confidence throughout the origination process.

"The challenge in lending today is keeping pace with the complex and ever-changing regulatory requirements that govern those calculations," said Matt Ruszkowski, president and chief operating officer at Carleton. "For decades, Carleton has helped financial institutions navigate that complexity. Our integration with MANTL brings that expertise directly into the lending workflow, enabling financial institutions to originate loans faster while maintaining confidence in the accuracy and compliance of every transaction."

To learn how MANTL can help your financial institution grow its lending portfolio, visit here.

To learn more about the Alkami Digital Sales & Service Platform, visit here. To request a demo, visit here.

About Alkami
Alkami provides a digital sales and service platform for U.S. banks and credit unions. Our unified Platform integrates onboarding, digital banking, and data and marketing—each solution can stand alone, but together they deliver more—to help institutions onboard, engage, and grow relationships. As the future shifts toward Anticipatory Banking, we help data-informed bankers meet the moment with technology that drives action.

About Carleton, Inc.
Carleton provides integrated financial solutions that support the full lending lifecycle, delivering accurate and compliant loan origination calculations, automated document generation and delivery, and expert audit and compliance services nationwide. For more than 55 years, Carleton has been trusted by lenders, financial institutions, and technology providers to navigate complex federal and state regulations while reducing risk and improving operational efficiency. By unifying calculation accuracy, regulatory compliance, and document workflows into a foundational solution, Carleton elevates its partners' platforms, helping them accelerate funding, maintain confidence in compliance, and focus on growing their business. To learn more about Carleton's lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

Media Relations Contacts
Vested
alkami@fullyvested.com

Marla Pieton
marla.pieton@alkami.com

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SOURCE Alkami Technology, Inc.

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What does Alkami's MANTL integration with Carleton automate?

The integration automates loan calculations, contract disclosures, amortization schedules, and compliance validation within MANTL Loan Origination.

Can Alkami's MANTL and Carleton integration automatically adjust loan terms?

Where configured, the platform can automatically adjust loan terms to help keep transactions within defined compliance parameters. It supports federal and state-specific requirements and institutional rules.

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