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List of FIS Real-Time Lending Customers

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Logo Customer Industry Empl. Revenue Country Vendor Application Category When SI Insight
Eastern Bank Banking and Financial Services 1998 $1.2B United States FIS Global FIS Real-Time Lending Loan Origination System (LOS) 2018 n/a
In 2018, Eastern Bank deployed FIS Real-Time Lending under the Loan Origination System (LOS) category to modernize small business lending and respond to shifting customer behavior and declining branch traffic. The deployment was positioned to digitize the bank’s existing credit policies while enabling an online application to account funding flow in less than 5 minutes, preserving Eastern Bank’s conservative credit culture and servicing credit, compliance, information security, marketing, and sales stakeholders. FIS Real-Time Lending was configured with a suite of LOS capabilities, including a fully branded online application interface, a customizable pre-qualification engine, applicant-specific offer generation for term and line products, and a risk-based pricing decisioning engine. The implementation digitized more than 20 credit parameters, incorporated automated verification of industry and business financials, applied data science models to compute credit variables, and provided customizable segment-based routing and dashboards for bankers, underwriters, and executives. The platform integrated with Eastern Bank’s core banking foundation, leveraging the FIS IBS Core Banking platform and its APIs to enable seamless booking and servicing flows. Operational coverage extended across online, in-branch, phone, and banker iPad channels, with automated identification of current customers and new prospects that meet credit policy parameters, and daily refreshing of target segments for omnichannel marketing and outbound campaigns. Governance and rollout emphasized regulatory and security controls, including design and testing to meet Reg B and UDAAP requirements, multiple regulatory exams and internal audits, penetration testing of the platform, and commitments to uptime and service levels for monitoring and troubleshooting. Process and workflow changes included digitization of credit policy decisioning, customizable underwriter routing rules, training for bankers on multi-channel origination workflows, and tailored compensation approaches to drive adoption. Outcomes reported by the bank included a fourfold increase in small business lending volumes and a transformation of a previously low-margin, operationally inefficient business line into a growing, more profitable portfolio. FIS Real-Time Lending enabled faster funding and a simplified borrowing experience for time-strapped small business customers while coupling marketing automation with lending decisioning to drive targeted acquisition and conversion.
Hancock Whitney Banking and Financial Services 3627 $1.4B United States FIS Global FIS Real-Time Lending Loan Origination System (LOS) 2020 Moody's Corporation
In 2020, Hancock Whitney implemented FIS Real-Time Lending to scale business lending intake and approvals during the COVID-19 pandemic. The deployment was executed in partnership with FIS Global and Numerated and launched its digital lending experience for Paycheck Protection Program processing less than a week after the bank began accepting applications. FIS Real-Time Lending, a Loan Origination System (LOS), was provisioned as a SaaS platform that combined advanced digital lending and account opening capabilities with rich data integration and artificial intelligence. The implementation emphasized automated approval workflows and streamlined electronic application intake to accelerate underwriting throughput, while retaining API-based connectivity for orchestration with back-office systems. Integrations were implemented via API to link FIS Real-Time Lending with the bank’s operational systems and to enable direct submission to the Small Business Administration for PPP approval. Operational coverage targeted Hancock Whitney’s business lending channels across Mississippi, Alabama, Florida, Louisiana, and Texas, supporting more than 12,000 business customers and enabling the bank to distribute more than $2.4 billion in relief funds while submitting to SBA for approval at rates exceeding three loans per minute and funding many loans the same day. Governance and rollout combined rapid iterative cuts with partner coordination between bank operations, FIS Global, and Numerated, enabling the bank to originate roughly three months of typical loan volume in a three week span. The implementation impacted business lending origination workflows, loan operations, and digital channels, and the bank indicated intent to continue using the streamlined platform for subsequent loan forgiveness phases.
MidFirst Bank Banking and Financial Services 3000 $1.5B United States FIS Global FIS Real-Time Lending Loan Origination System (LOS) 2018 Moody's Corporation
In 2018, MidFirst Bank implemented FIS Real-Time Lending, a Loan Origination System (LOS), for business lending and real-time credit decisioning in the United States. Vendor materials and customer testimonials describe MidFirst using FIS Real-Time Lending to automate small-business loan origination and to support banker sales workflows. The deployment used FIS Real-Time Lending modules for real-time origination and credit decisioning, leveraging the platform's decisioning engine and origination workflows to streamline application intake, underwriting orchestration, and banker-assisted processing. The vendor brochure identifies Numerated as the technology partner, and Moody's Corporation is listed as an implementation partner, indicating a combined vendor and partner configuration for technology integration and deployment services. Operational coverage focused on business lending teams and banker channels across the United States, aligning the Loan Origination System (LOS) with frontline sales processes and standardized credit policy enforcement. Governance emphasis centered on codifying automated decisioning criteria and standardizing banker workflows, with configuration and rollout executed on the FIS Real-Time Lending platform supported by Numerated and Moody's Corporation services.
Banking and Financial Services 6500 $827M United States FIS Global FIS Real-Time Lending Loan Origination System (LOS) 2018 Moody's Corporation
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Buyer Intent: Companies Evaluating FIS Real-Time Lending

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FAQ - APPS RUN THE WORLD FIS Real-Time Lending Coverage

FIS Real-Time Lending is a Loan Origination System (LOS) solution from FIS Global.

Companies worldwide use FIS Real-Time Lending, from small firms to large enterprises across 21+ industries.

Organizations such as MidFirst Bank, Hancock Whitney, Eastern Bank and Peoples United Financial, Inc are recorded users of FIS Real-Time Lending for Loan Origination System (LOS).

Companies using FIS Real-Time Lending are most concentrated in Banking and Financial Services, with adoption spanning over 21 industries.

Companies using FIS Real-Time Lending are most concentrated in United States, with adoption tracked across 195 countries worldwide. This global distribution highlights the popularity of FIS Real-Time Lending across Americas, EMEA, and APAC.

Companies using FIS Real-Time Lending range from small businesses with 0-100 employees - 0%, to mid-sized firms with 101-1,000 employees - 0%, large organizations with 1,001-10,000 employees - 100%, and global enterprises with 10,000+ employees - 0%.

Customers of FIS Real-Time Lending include firms across all revenue levels — from $0-100M, to $101M-$1B, $1B-$10B, and $10B+ global corporations.

Contact APPS RUN THE WORLD to access the full verified FIS Real-Time Lending customer database with detailed Firmographics such as industry, geography, revenue, and employee breakdowns as well as key decision makers in charge of Loan Origination System (LOS).