Founded by a Credit Union Executive, Built for Credit Union Success

At Decision Engine Labs, LLC, we view automated underwriting through the lens of a practitioner, not a vendor. Our perspective is built from within the industry.

Our founder, Jared Dryer, brings over two decades of experience as a senior lending executive. He led mortgage, consumer, and commercial operations for institutions growing beyond the $5B asset threshold. Jared has personally developed the data-driven regression models and automation engines that pushed auto-approval rates to 72%. Through this work, he has overcome the high costs, rigid platforms, and compliance risks that often plague the credit union space through automation.

Decision Engine Labs was created to solve these exact challenges. We provide credit unions with premium, custom underwriting infrastructures without the weight of perpetual SaaS fees or the audit risks associated with opaque "black box" AI systems.

Our Core Philosophy: Data Mastery and Absolute Transparency

We recognize that your historical data is your most valuable resource. Using our proprietary analytical pipeline, we eliminate uncertainty by building transparent, custom logic trees designed specifically for your unique member demographics and risk appetite.

Partnering with Decision Engine Labs means working with an expert who speaks your language—understanding your workflows, margin goals, and NCUA fair lending requirements. We deliver robust, production-ready logic frameworks in under seven days. This allows your team to achieve superior decisioning speeds, improve loan pull-through metrics, and realize significant operational efficiencies across your entire lending portfolio.