Results since integrating EDGE

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As a mission-driven credit union serving a wide range of member financial profiles, Magnolia FCU needed a better way to make fast, confident lending decisions – especially for borrowers whose income doesn’t fit neatly into traditional underwriting models. With EDGE, Magnolia added a cashflow-first layer of insight to verify income, reduce manual review, and identify risk earlier in the process. The result: faster decisions, stronger protection against fraud, and expanded access for members who deserve a second look.

“EDGE’s cashflow approach lets us dig deeper and personalize the experience for people who would have been turned away otherwise. We’ve approved members others declined-and those loans are performing. EDGE moved fast, integrated seamlessly, and helped us protect our members from fraud. It’s changed the way we lend.”

– Dylan Mawhinney, VP of Lending, Magnolia FCU

Challenge

Magnolia’s mission is to serve members with a wide range of financial profiles - including borrowers whose income and cashflow don’t fit neatly into traditional underwriting models. But making fast decisions while staying disciplined on risk required better signals, earlier in the process.

Traditional underwriting left too many strong members in the gray area

Magnolia serves members with diverse financial lives - including self-employed borrowers, variable income earners, and households whose cashflow doesn’t always show up cleanly in standard underwriting inputs. That made it harder to confidently assess ability to repay without slowing down the process.

Manual review created friction for both members and underwriters

When the right data isn’t immediately available, decisions take longer. Applications require more follow-up, more documentation, and more time spent reconciling details. Magnolia wanted to reduce that back-and-forth while still making decisions they could stand behind.

Expanding access couldn’t come at the cost of risk or fraud exposure

Magnolia’s goal wasn’t just to approve more loans – it was to approve the right loans. The team needed earlier signals to spot risk and potential fraud without adding steps for good applicants or increasing portfolio volatility.

Solution

Magnolia integrated EDGE to bring real-time cashflow analytics into the underwriting workflow. With deeper visibility into income, risk, and affordability, the lending team could move faster, reduce friction, and confidently approve more members - without compromising loan performance.

Cashflow-first insights made it easier to say “yes” with confidence

EDGE gave Magnolia a real-time view of member cashflow patterns, helping underwriters understand income consistency and affordability with more clarity. That meant more confident approvals for members who might have been overlooked by traditional models.

Built-in verification reduced manual work and sped up decisioning

By embedding EDGE into the underwriting workflow, Magnolia reduced reliance on slow, document-heavy processes. Underwriters could verify income faster, focus attention where it mattered, and move applications forward without unnecessary friction.

Impact: Faster decisions, broader access

With EDGE, Magnolia cut time-to-decision by 1- 2 days and increased loans funded for self-employed members by 6%,while strengthening fraud protection and maintaining strong loan performance.