CreditXpert was founded over 20 years ago with a vision of helping to make the dream of homeownership accessible and affordable for all.
Our Big Idea
Make mortgage credit scores transparent and actionable by lenders and their borrowers. Understanding credit, and what drives a score, ensures borrowers are “credit-ready” when they find their new home.
We pioneered the idea that credit scores shouldn’t just happen to people. Borrowers have a right to understand the significant impact their score has on what is likely the biggest transaction of their lives. More importantly, we want to empower borrowers to improve their score and secure the best rates and terms. Homeownership, to us, is serious business.
CreditXpert works with the top lenders in the country to put credit first, at the time of origination. Our AI-driven analytics answer complex credit score questions for all borrowers, regardless of credit score. The suggestions made by our technology lead to real, lasting credit score improvement. Borrowers save money by securing better rates and terms. Lenders are able to offer a differentiated service and improve their profitability by increasing the percentage of loans that make it to the closing table. Everyone wins.
Jim Hemmer, CEO
Jim joined CreditXpert in 2020 with a proven track record in building businesses that drive value for customers, employees, and shareholders. His goals at CreditXpert are first and foremost to further the mission of helping families realize their dream by making homeownership affordable and accessible for all and to expand the impact CreditXpert can have by building new capabilities for mortgage loan originators and credit experts to assist borrowers.
Renata joined CreditXpert in 2020 with over 20 years of experience in product management and operations leadership in fintech, media and travel industries. She works to align the strategic direction and product roadmap based on customer needs in delivery of new or enhanced product solutions.
Renata is focused on building a team of product leaders with the skills needed to support and expand our products well into the future. She sees CreditXpert as a key contributor to economic growth and champion for the communities we serve.
Mike Darne, VP of Marketing
Mike joined CreditXpert in early 2021 with over 20 years of brand and marketing leadership experience at companies like Marriott, Capital One and Sallie Mae. He also spent several years leading growth marketing for early and late-stage tech companies.
Mike is excited about the impact that credit transparency will have on millions of existing and prospective homeowners.
Matt Hydrew, VP of Sales & Client Success
Matt has worked for over 16 years to digitize the mortgage process with supporting technologies. He now leads CreditXpert efforts to maximize client success and ensure even more lenders can help more borrowers and increase profitability with our software.
Matt sees the potential for borrowers gaining more insights and transparency on their credit score and lenders having better tools to help borrowers get approved. It truly is a win-win for all involved when his sales and client success team can demonstrate how CreditXpert tools have a unique and lasting impact for all involved in mortgage lending.
Jennifer Sides, Chief Legal Officer
Jennifer joins CreditXpert from B2 Equity Holdings, where she served as CEO & Chief Legal Officer. In addition to her role at B2 Equity Holdings, she led Pipeline ROI (a portfolio company of B2) as CEO & Chief Legal Officer. Prior, Jennifer directed all legal and business matters, and created and executed company strategy as EVP & General Counsel/Chief Legal Officer at a la mode; ultimately leading to the successful exit to CoreLogic as well as Mercury Network, where she led the company to a successful exit to Serent Capital. Jennifer began her career as co-owner and co-founder of S&S Telecommunications before moving on to working with NMHC and McKee Nelson, LLP as an attorney.
Jennifer earned her Bachelor’s Degree from the University of South Florida and her Master’s Degree from the University of New Hampshire. Additionally, Jennifer received her J.D. from the University of New Hampshire Franklin Pierce School of Law and is admitted to practice law in the state of Massachusetts. She is a member of the American Intellectual Property Law Association and the International Association of Privacy Professionals and serves on the Board of Trustees of the Norwood School in Bethesda, Maryland.
Janette Hunt, VP of Human Resources
Janette joins CreditXpert with nearly 25 years of professional experience across industries. Since 2009, her primary focus has been to provide strategic human resource leadership at an executive level in support of high growth organizations. Prior to joining CreditXpert, Hunt led the human resource functions at InstallNet International LLC, International Systems Management Corp, USP LLC and executive level human resources support at B. F. Saul, and impactHR.
She holds a Bachelor of Arts degree in Labor Employment Relations and Organizational Leadership and a Master’s in human resource Employment Relations from Penn State University. She is a member of the Chesapeake Human Resources Association, SHRM, and was also the Co-founder and President of the Penn State World Campus SHRM (Society for Human Resource Management) chapter. Janette will be based out of CreditXpert’s Baltimore, Maryland headquarters.
We care about each person and put people before profit. Respect and life balance are important to us.
We improve every day by welcoming change and being agile, flexible, and curious.
We help make a better world by giving back and making a difference.
We strive for excellence; good enough is not acceptable. We are experts and take pride in the quality of our work.
We do what’s right for our clients, partners, each other, and the company.
We succeed or fail as a group, not as individuals. We exemplify trust and humility. We have fun together.
We have a bias for action so we can learn faster and impact people sooner.
Talk with us today.
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CreditXpert is not affiliated with or endorsed by Experian (EXP), TransUnion (TU), Equifax (EFX) or FICO. Unless otherwise specified, assessments of score change causation and impact, and any score change predictions are produced by CXI and not by FICO or any credit bureau.