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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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Latest Credit Insights
As a lender, the initial factor to consider is the credit score of a borrower. This metric assesses whether an individual is eligible for your loan offerings or if they require an enhancement of their credit status to qualify. While lenders might utilize various scoring systems, the ultimate objective remains consistent: to verify that borrowers have the financial capacity to manage their mortgage repayments.
Mortgage lenders experienced a rude awakening when, after years of neglect thanks to historically high refinance volume, they reached out to touch bases with their real estate agent business referral partners. The relationships they thought they would easily rekindle were no longer there.
When loan volumes fell, real estate agents who hadn’t heard from a mortgage broker or loan officer in years were suddenly getting multiple invitations to coffee or lunch every day. They ignored most of them.
What happens to Wayfinder and What-if Simulator after October 1, 2024? CreditXpert has traditionally been distributed through Credit Reporting Agencies (CRAs) and accessible to mortgage professionals as they order credit and verification services. Starting October 1, 2024, Wayfinder and What-if Simulator will be sunsetted and no-longer available for purchase through CRA’s. Instead, the new CreditXpert platform will be offered directly through CreditXpert.