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Introducing the new CreditXpert.
The only credit optimization platform that uses predictive analytics to help lenders qualify more applicants, make better offers and close more loans.
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Used by the Nation's top mortgage lenders
+900M
Credit reports analyzed and validated.
+3.7M
Applicants helped in the last 5 years.
71%
Of applicants could reach a higher mid-score in 30 days.
The next generation of credit optimization is here.
Maximize the credit potential in every borrower and turn credit into a strategic growth engine at the click of a button with CreditXpert.
IDENTIFY: See the applicant's credit potential right in front of you.
GENERATE: Generate an optimization plan with 1 click.
TRACK: Send the plan and track the applicant's progress.
Everyone wins with CreditXpert.
Lenders close more loans. Borrowers lower the cost of homeownership. Realtors ensure that their clients are getting the best deal.
Mortgage Professionals
- Convert more leads
- Qualify more applicants
- Make more competitive offers
- Lower LLPA premiums
Homebuyers
- Qualify for better loan programs
- Lower your interest rate
- Reduce your private mortgage insurance premiums
- Know that you got the best deal on a mortgage
Realtors
- Help more clients qualify
- Help clients secure the best rate
- Help clients reduce PMI
- Help increase client purchasing power
The latest credit optimization insights
Compete for every loan, regardless of credit band.
Not just for exceptions.
Position applicants for the best rates and terms. CreditXpert helps you eliminate guesswork, and reduce surprises at underwriting.
Get Started
Or start with a tour.
View a Demo
See how others are using our platform.
Equity Mortgage Lending
Ken met with a client whose credit appeared to be exceptional. With interest rates at historic lows, the client wanted to refinance their mortgage. When Ken pulled his client’s credit score, they were both perplexed that it was 699 – relatively low given their overall credit standing. The client couldn’t figure out the reason their score wasn’t higher.
699
100+ Point Increase on Credit Score
HomeBridge Financial Services
Mark’s client needed to raise her credit score from 590 to 640 – just 50 points – to have a chance for an FHA loan. Most of her debt was due to credit card balances. Mark used CreditXpert® What-If Simulator™ to look for ways to pay down the debt that wouldn’t require a lot of funds.
590
50 Point Increase on Credit Score
PrimeLending
Rod’s client was eager to secure a loan for a vacation home. When Rod pulled the credit report, he noticed that the score was 698 – 18 points less than what his client saw on a free credit score site.
698
18 Point Increase on Credit Score