The Atlantic Federal Credit Union Becomes First Credit Union to Go Live with MANTL Loan Origination

Rhea-AI Summary

The Atlantic Federal Credit Union (ALKT) went live Jan. 22, 2026 with MANTL Loan Origination, becoming the first credit union to launch consumer lending on the platform. The credit union also deployed MANTL deposit onboarding and account opening to create a unified origination experience across loans and deposits. The implementation automates eligibility verification and membership enrollment in real time and supports a suite of consumer loan products, including auto, personal, credit card, specialty vehicle, personal lines of credit, and share- and certificate-secured loans. The Atlantic FCU is expanding MANTL use to real estate lending, including home equity loans and lines of credit.

News Market Reaction

+7.95%

1 alert

+7.95% News Effect

On the day this news was published, ALKT gained 7.95%, reflecting a notable positive market reaction.

Data tracked by StockTitan Argus on the day of publication.

Key Figures

Development cohort size: more than 10 financial institutions Q3 2025 revenue: $112.954 million Prior-year Q3 revenue: $85.906 million +5 more

8 metrics

Development cohort size more than 10 financial institutions MANTL consumer lending development partner cohort

Q3 2025 revenue $112.954 million Quarter ended September 30, 2025

Prior-year Q3 revenue $85.906 million Quarter ended September 30, 2024

Q3 2025 net loss $14.804 million (or $0.14 per share) Quarter ended September 30, 2025

MANTL acquisition value $375 million Closed March 2025, net of cash acquired

MANTL Q3 revenue $11.0 million Contribution to Alkami Q3 2025 revenue

Remaining performance obligations $1.6 billion As of September 30, 2025; 49.9% over next 24 months

Convertible senior notes $345 million at 1.50% Convertible senior notes due 2030

Market Reality Check

Price: $16.27 Vol: Volume 1,600,521 is sligh...

normal vol

$16.27 Last Close

Volume Volume 1,600,521 is slightly above the 20-day average of 1,133,537, suggesting elevated interest ahead of this announcement. normal

Technical Shares at $19.62 trade below the 200-day MA of $24.87 and sit 46.92% below the 52-week high, only 4.86% above the 52-week low.

Peers on Argus

ALKT slipped 0.56% while key software peers showed mixed, low-magnitude moves (e...

ALKT slipped 0.56% while key software peers showed mixed, low-magnitude moves (e.g., NATL +0.72%, SPNS -0.02%, AGYS +0.07%, RNG -0.27%, DAVE -0.06%), pointing to a company-specific setup rather than a sector-wide swing.

Historical Context

5 past events · Latest: Jan 14 (Positive)

Pattern 5 events

Date	Event	Sentiment	Move	Catalyst
Jan 14	MANTL partnership	Positive	-1.0%	Citizens State Bank expanded use of MANTL to modernize deposit account opening.
Jan 09	Product launch	Positive	+0.0%	Introduced One-Click SDK Manager for streamlined code deployment and governance.
Jan 09	Correction notice	Positive	+0.0%	Clarified details of the One-Click SDK Manager launch and upcoming webinar.
Dec 22	Conference update	Positive	+2.5%	Announced Co:lab 2026 agenda focused on future digital banking capabilities.
Dec 19	Fraud solution milestone	Positive	+1.3%	Exceeded 500 Positive Pay customers, underscoring demand for fraud-prevention tools.

Pattern Detected

Recent product and partnership announcements have generally seen modest positive or flat price reactions, with one notable negative divergence despite constructive news.

Recent Company History

Over the last few months, Alkami has highlighted multiple growth and platform-expansion milestones. On Dec 19, 2025, it reported over 500 institutions live on Positive Pay, followed by Co:lab 2026 event details on Dec 22, 2025. Early January 2026 saw the launch of the One-Click SDK Manager and, on Jan 14, 2026, a MANTL-powered partnership with Citizens State Bank. Today’s MANTL loan-origination go‑live extends that trajectory of deepening digital-banking capabilities with client adoption evidence.

Market Pulse Summary

The stock moved +8.0% in the session following this news. A strong positive reaction aligns with Alk...

Analysis

The stock moved +8.0% in the session following this news. A strong positive reaction aligns with Alkami’s pattern of constructive responses to platform-expansion news, such as prior gains of up to 2.51% on digital-banking updates. This announcement adds tangible adoption of MANTL’s loan origination across multiple consumer products, reinforcing the strategic rationale of the MANTL acquisition. Investors would likely weigh this against ongoing net losses and prior insider activity when assessing how durable a move driven by client wins and ecosystem growth might be.

Key Terms

loan origination, account origination, onboarding, home equity loans, +1 more

5 terms

loan origination financial

"first credit union to go live with consumer loans on the MANTL Loan Origination Platform"

Loan origination is the process a lender uses to create a new loan, from receiving an application and checking a borrower’s credit to setting the loan’s terms and approving or denying it. It matters to investors because the volume and quality of originated loans determine a lender’s revenue and risk exposure—like a factory that both produces goods and decides which ones meet quality standards, strong origination practices support growth while weak practices can lead to losses.

account origination financial

"a unified approach to account origination and share creation across both loans and deposits"

The process of creating a new financial customer relationship, including collecting an applicant’s information, verifying identity and credit, completing legal checks, and setting up the account for transactions or lending. For investors, account origination is a key sign of growth and future revenue potential, and it also reveals the quality and risk of new customers—like planting seeds and judging both how many sprout and how healthy they look.

onboarding financial

"consumer deposit onboarding and account opening on MANTL"

Onboarding is the process a company uses to bring new customers, employees, partners or clients up to speed with its products, services and procedures so they can start getting value quickly. It matters to investors because efficient onboarding speeds revenue growth, reduces churn and lowers support costs—like giving a new neighbor a useful map and keys so they settle in fast—while poor onboarding can stall adoption and raise expenses.

home equity loans financial

"support real estate lending, including home equity loans and lines of credit"

A home equity loan is a lump-sum loan a homeowner gets by using the difference between their house’s current value and what they still owe as security—think of it like borrowing against the value built up in your home. It matters to investors because these loans affect bank earnings, household spending and debt risk: higher issuance can boost consumer activity and bank revenue, while rising defaults or interest rates can signal trouble for lenders and the housing market.

small business administration (SBA) loans regulatory

"introduced business and small business administration (SBA) loans in partnership"

Small Business Administration (SBA) loans are loans made by private lenders but backed or guaranteed by the U.S. Small Business Administration to help small companies access financing they might not get otherwise. For investors, SBA-backed loans matter because they reduce the risk that a small business will fail from lack of capital, make growth and cash flow more predictable, and can improve a borrower’s credit profile—similar to a trusted co-signer making a loan easier to obtain.

AI-generated analysis. Not financial advice.

Credit union launches consumer lending on the MANTL Loan Origination Platform to scale loan growth and deliver a unified experience across deposit and loan onboarding and account opening

PLANO, Texas, Jan. 22, 2026 /PRNewswire/ -- MANTL, an Alkami solution team and a leading provider of loan and deposit account opening technology, today announced that New Jersey-based The Atlantic Federal Credit Union (The Atlantic FCU) is the first credit union to go live with consumer loans on the MANTL Loan Origination Platform. This milestone represents a significant advancement in digital lending transformation and demonstrates the power of MANTL's Platform to improve the consumer lending experience through increased speed, automation, and simplicity. By simultaneously launching consumer deposit onboarding and account opening on MANTL, The Atlantic FCU is embracing a unified approach to account origination and share creation across both loans and deposits.

With MANTL Loan Origination, The Atlantic FCU now automates eligibility verification and membership enrollment in real time within the loan application, streamlining the path from application to funding and dramatically improving operational efficiency. The credit union launched with a comprehensive suite of consumer loan products, including auto loans, personal loans, credit cards, specialty vehicle loans, personal lines of credit, and share- and certificate-secured loans. The Atlantic FCU is also expanding its use of the MANTL Platform to support real estate lending, including home equity loans and lines of credit.

"MANTL Loan Origination is enhancing our lending process by enabling us to deliver a seamless, secure, and fully automated journey for members applying for consumer loans," said Adam Cadmus, chief experience officer at The Atlantic FCU. "Based on experience with MANTL's deposit technology, we had a clear understanding of the power of its Platform to modernize complex processes and elevate the digital experience. By leveraging MANTL for both deposits and loans, we're creating a unified, end-to-end journey that scales our member experience, creates deeper relationships through cross-sell and up-sell opportunities, and drives institution-wide growth."

MANTL collaborated with a development partner cohort of more than 10 forward-thinking financial institutions to build a modern consumer lending solution to replace legacy lending technology. Cohort members received early access to the unified origination platform and served as strategic partners in informing product design and functionality. Throughout development, the group met regularly to provide structured feedback, share best practices, and identify opportunities to innovate and streamline the borrowing experience.

"Participating in the cohort was an incredible opportunity to collaborate with some of the most innovative leaders in our industry, and it reflects the collective strength of the MANTL customer community in shaping how modern financial technology is built," continued Cadmus. "We have appreciated MANTL's consultative approach to our partnership. Beyond giving us access to next-level technology, the entire MANTL team, from product and engineering to project management and the executive level, has been hands-on in helping us challenge assumptions, refine processes, and deliver a truly competitive digital lending experience."

"The Atlantic FCU becoming the first credit union to go live with consumer lending is a major milestone for MANTL on our loan origination journey," said Benjamin Conant, chief product officer, Alkami and co-founder, MANTL. "Their partnership throughout development accelerated our ability to expand the MANTL Platform to deliver a modern, automated lending solution. This launch validates our vision and establishes a blueprint for how credit unions can unify deposits and lending to drive meaningful growth and institution-wide efficiencies with MANTL."

MANTL has demonstrated continued momentum in the loan market since first introducing business and small business administration (SBA) loans in partnership with Grasshopper Bank. In addition to building the consumer lending solution from the ground up, the company has expanded its ecosystem of best-in-class loan integration partners, including Taktile, Method Financial, and others.

To learn more about MANTL Loan Origination, visit here.

To learn more about Anticipatory Banking and the Alkami Digital Sales & Service Platform, visit here.

Alkami has been certified by J.D. Power in 2024 and 2025 for providing "An Outstanding Mobile Banking Platform Experience."¹

About MANTL
MANTL is an Alkami solution team that offers unified account origination technology, empowering banks and credit unions to open loan and deposit accounts seamlessly on any banking channel in real time. MANTL Deposit Origination is among the fastest and most performant solutions on the market; consumers can open a new deposit account in under five minutes, businesses can open a new deposit account in under 10 minutes, and MANTL customers raise billions in core deposits. MANTL Loan Origination simplifies each step in the loan process, automating up to 100% of loan application decisions to ensure an intuitive, feature-rich experience from personal loans to business financing. Founded in 2016, MANTL was acquired in March 2025 by Alkami Technology, Inc. (Nasdaq: ALKT), a digital sales and service platform provider for financial institutions in the U.S. For more information, visit mantl.com or follow MANTL on LinkedIn.

About The Atlantic Federal Credit Union
The Atlantic Federal Credit Union was founded in 1935 as a not-for-profit financial cooperative to meet the savings and borrowing needs of members. Today, The Atlantic Federal Credit Union exclusively serves Essex and Union counties in New Jersey with financial wellness resources, competitive rates and technology-driven solutions for personal and business banking. For full eligibility criteria and more information, visit TheAtlanticFCU.com.

Media Relations Contacts
Vested
alkami@fullyvested.com

Marla Pieton
marla.pieton@alkami.com

____________________

1 J.D. Power 2025 Mobile App Platform Certification ProgramSM recognition is based on successful completion of an audit and exceeding a customer experience benchmark through a survey of recent servicing interactions. For more information, visit www.jdpower.com/awards.

 

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SOURCE Alkami Technology, Inc.

FAQ

What did The Atlantic FCU announce about MANTL loan origination on Jan. 22, 2026?

The Atlantic FCU announced it went live as the first credit union to launch consumer lending on the MANTL Loan Origination platform on Jan. 22, 2026.

Which consumer loan products did The Atlantic FCU launch on MANTL (ALKT)?

The launch includes auto loans, personal loans, credit cards, specialty vehicle loans, personal lines of credit, and share- and certificate-secured loans.

How does MANTL Loan Origination change The Atlantic FCU's application process?

MANTL automates eligibility verification and membership enrollment in real time within the loan application, streamlining the path from application to funding.

Will The Atlantic FCU use MANTL for real estate lending (ALKT)?

Yes, the credit union is expanding MANTL use to support real estate lending, including home equity loans and lines of credit.

Does The Atlantic FCU use MANTL for deposits as well as loans?

Yes, The Atlantic FCU simultaneously launched consumer deposit onboarding and account opening on MANTL to create a unified origination experience.