Financial Plus Partners with Credit Mountain to Reimagine a Supportive Path to Loan Approval

Andrea Coggins

Financial Plus Credit Union is proud to announce a new partnership with Credit Mountain, a Credit Union Service Organization-built platform that empowers borrowers through personalized financial education, digital credit counseling, and real-time progress tracking.

Through this partnership, Financial Plus will introduce the Warm Decline—a reimagined and redesigned credit decline process that meets members with empathy and offers a clear path to loan eligibility. Applicants will have access to a digital experience where they can choose financial goals, follow a personalized action plan, and access tools and education to improve their financial health.

“We understand that applying for a loan and taking a new financial step can feel intimidating,” said Andrea Coggins, Vice President of Lending at Financial Plus Credit Union. “That’s why it’s important to meet consumers where they are—not just saying ‘no’ when they hit a roadblock, but instead saying, ‘not yet,’ and then walking alongside them with the tools, knowledge, and resources to help them reach their highest potential.”

“We’re proud to partner with Financial Plus to turn declines into opportunities,” said Aaron Kelemen, Client Success Leader at Credit Mountain. “Together, we’re making lending more human—offering real solutions and support when members need it most.”

In addition to the member-facing experience, Credit Mountain will also bring greater efficiency to the lending process by automating adverse action notices and reducing operational overhead.

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