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Retain leads.
Close more loans.
Big returns from big data.
The only mortgage credit simulator that helps applicants from every credit band identify potential opportunities to secure the best rates and terms.
500
500
639
640
739
Not qualified
Qualified
Better rates + terms
Used by the Nation's top mortgage lenders
Our proprietary algorithms have analyzed more than 750 million credit records. This eliminates guesswork and keeps your focus on finding potential opportunities for applicants to secure the best rates and terms.
+750M
Credit reports analyzed and validated
900K
Applicants helped just last year
71%
Of applicants could reach a higher mid-score
Change the game with the CreditXpert platform
The next generation of credit potential is here.
Make better offers. Close more loans.
We’ve worked with innovative lenders to build a platform that utilizes credit to qualify more applicants, make better offers and close more loans. CreditXpert helps you increase transparency and help ensure that EVERY applicant has the opportunity to qualify for the best rate and terms.
See instant Alerts on score potential.
Credit Assure™
Wondering if you are offering applicants the best rates and terms? Eliminate the guesswork. Quickly see the improvement potential for each bureau. Chances are Credit Assure is already there in your credit reports.
Create Automated Plans with one click.
Wayfinder™
Moving quickly with applicants is important. After training our algorithms against more than 750M credit reports, we know the fastest route to a target mid-score. With the click of a button, you’ll have an actionable plan within seconds.
Model any scenario with our Simulation Engine.
What-If Simulator™
You now have access to the same simulation engine used by the Nation’s largest mortgage originators. Immediately see how increasing/decreasing balances, deleting accounts, closing accounts and more may impact an applicants’ score. You can even model scenarios over an extended period of time.
Not just for exceptions. Compete for every loan, regardless of credit band.
Position applicants for the best rates and terms. CreditXpert helps you eliminate guesswork, and reduce surprises at underwriting.
500
639
640
739
Qualify for a homeBetter rates + terms
Maximize the credit potential in every borrower.
CreditXpert quickly shows your clients a path to the best rates and terms for a mortgage or refinance.
Instantly see the improvement potential in every applicant.
Quickly see what it will take to improve the mid-score.
Easily share detailed improvement plans with applicants.
Help avoid surprises at underwriting.
See where to find the CreditXpert platform.
Ready to dive in?
CreditXpert is offered through most credit report providers. Whether you purchase credit products from one or more providers, we’ll show you the easiest way to access our platform. Our client success team is also here to give you a tour and answer your questions.
How to Access CreditXpert
Or start with a tour.
Request 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
Latest Credit Insights
Mortgage lending can feel like rocket science at times... Here’s everything you need to know about how to leverage credit scores and turn it into a strategic business advantage. Fannie Mae and Freddie Mac announced potential changes to their Loan Level Pricing Adjustment (LLPA) tables. In the lending industry, it's essential to be aware of these updates and understand how they can be advantageous to the business — the importance of consumer credit in predicting lender profitability is crucial, especially with these new LLPA changes. These adjustments will significantly impact both lenders and borrowers in the industry. But how?
Uncommon knowledge: Mortgage and consumer credit scores are quite different. What's different? How are each calculated? Why are there two scores?
Anyone who has worked in the mortgage industry for more than a decade or so will tell you that mortgage rates are out of control. From interest rates below 3% in 2020, we are now in a time where they are breaking through the 7% ceiling.