Loan origination has a stubborn weak spot: the handoffs.
Numbers get calculated in one system, disclosures get checked in another, and someone on the lending team keeps everything stitched together by hand. Alkami Technology, Inc. (Nasdaq: ALKT), a digital sales and service platform provider for U.S. financial institutions, just announced an integration meant to close that gap. It connects MANTL with Carleton, Inc. and builds automated loan calculations, amortization, and compliance validation right into MANTL Loan Origination.
What the integration does
The work happens through CarletonCalcs® OriginationPlus. Loan calculations, contract disclosures, amortization schedules, and compliance validation all run inside a single lending workflow. Staff no longer have to do the math by hand or shuttle data between systems.
For lenders, that means originating loans more efficiently and validating disclosures with more confidence. For borrowers, it means a faster experience, whether they apply in a branch or online.
Compliance built into the calculation
CarletonCalcs® OriginationPlus pairs loan calculations with compliance validation to support compliant direct loan origination. It supplies contract disclosure values, fees, taxes, insurance premiums, and other loan-specific charges. It also checks that each transaction meets federal and state-specific requirements, as well as an institution’s own rules.
Where it’s configured to do so, the platform can adjust loan terms automatically to keep a transaction inside defined compliance parameters. That cuts down on manual intervention and gives lenders more certainty from start to finish.
What the executives say
Benjamin Conant, chief product officer at Alkami, framed it as a matter of friction. “Modern lending depends on automation,” he said. “Every manual step adds complexity for lenders and slows the experience for borrowers.” He said MANTL Loan Origination aims to automate as much of the workflow as possible so institutions can focus on serving borrowers rather than managing processes. Alkami plans to keep growing the partner ecosystem around the product to reduce operational friction from application through funding.
Matt Ruszkowski, president and chief operating officer at Carleton, pointed to the regulatory side. “The challenge in lending today is keeping pace with the complex and ever-changing regulatory requirements that govern those calculations,” he said. Carleton has spent decades helping institutions handle that complexity, and he said the MANTL integration puts that expertise directly into the lending workflow so institutions can originate faster while staying confident in the accuracy and compliance of every transaction.
A practical next step
If you run or support a lending operation, start by mapping where your team still calculates, checks, or re-keys numbers by hand. Those steps are where errors and delays tend to pile up. Then ask your origination vendor which of them can be automated and whether compliance validation can happen inside the same workflow instead of in a separate tool.