Commercial Loan Underwriting –
It’s What We Do!
Lucro was built on Underwriting. Over 20 years ago we formed Lucro as a CUSO to support credit unions with centralized underwriting of commercial loans. To date we have underwritten billions of dollars of commercial loans for credit unions and community banks nationwide. 

Our team of underwriting professionals include commercial banking analysts, lenders, regulators and C-Suite employees. The team consistently produces industry-leading delinquency and charge-off results for our client institutions. We are laser-focused on speed and accuracy to help our clients compete.
Timely and Accurate
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Service standard of 3-5 day turnaround on non-complex new $ requests
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Complete credit package ready for CU decisioning
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Regulatory compliant 
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Outstanding Team
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25 Professional Underwriters most with over 20 years’ experience
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Extensive banking experience - Senior Credit, SVP Lending, Regulatory, C-Suite
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Broad range of experience with all industries and product types
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Client Results
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We enjoy very long relationships with most clients $20 million to $10 billion + in assets
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Industry-leading performance results in delinquency and charge-offs (published regularly)
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Excellent relationship with State and Federal regulators
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