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Maximize credit potential for all.
Insights to help lenders grow their business.
CreditXpert analyzes millions of mortgage credit inquiries each month. We use our proprietary predictive analytics engine to help thousands of mortgage loan originators highlight the potential score increase their applicants may be able to achieve within 30 days by completing a custom action plan.
The Mortgage Credit Potential Index™ (MCPI) is a unique, monthly supply-side view of mid-score mortgage inquiries. The MCPI also highlights the percentage of inquiries that may be able to increase their initial score by at least 20-points within 30 days by completing a custom action plan.
The MCPI will help lenders and other mortgage industry professionals
- Monitor monthly shifts in inquiry volume by 20-point band
- Develop a strategic approach to serving new market segments
- Understand the role credit potential could play in expanding access to homeownership, increasing buying power and offering competitive rates
1CreditXpert action plans are tools meant to educate mortgage professionals and prospective consumer loan applicants, and are not furnished for the purpose of improving an applicant’s credit record, credit history or credit rating, or removing or modifying adverse, inaccurate, fraudulent, or other information in an applicant’s credit record. CreditXpert is not a credit counseling, credit repair, or credit reporting agency. Credit scores and score changes from CreditXpert are estimates, and will likely differ from credit score information used by mortgage professionals to assess loan eligibility. CreditXpert does not guarantee that scores from any other company will change by the same amount, in the same way, or at all.
2The mid-scores analyzed are the FICO® scores requested by a lender and reported by one of the credit bureaus or credit reporting agencies. FICO® is a registered trademark of Fair Isaac Corporation (FICO). CreditXpert is not affiliated with or endorsed by FICO or any of the credit bureaus or credit reporting agencies. CreditXpert trademarks used herein are trademarks or registered trademarks of CreditXpert, Inc. The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder or their product or brand. Other product and company names mentioned herein are the property of their respective owners.
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1CreditXpert action plans are tools meant to educate mortgage professionals and prospective consumer loan applicants, and are not furnished for the purpose of improving an applicant’s credit record, credit history or credit rating, or removing or modifying adverse, inaccurate, fraudulent, or other information in an applicant’s credit record. CreditXpert is not a credit counseling, credit repair, or credit reporting agency. Credit scores and score changes from CreditXpert are estimates, and will likely differ from credit score information used by mortgage professionals to assess loan eligibility. CreditXpert does not guarantee that scores from any other company will change by the same amount, in the same way, or at all.
2The mid-scores analyzed are the FICO® scores requested by a lender and reported by one of the credit bureaus or credit reporting agencies. FICO® is a registered trademark of Fair Isaac Corporation (FICO). CreditXpert is not affiliated with or endorsed by FICO or any of the credit bureaus or credit reporting agencies. CreditXpert trademarks used herein are trademarks or registered trademarks of CreditXpert, Inc. The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder or their product or brand. Other product and company names mentioned herein are the property of their respective owners.
What’s inside?
In a competitive landscape, homebuyers need every advantage to close. Our Mortgage Credit Potential Index leverages proprietary predictive analytics to highlight the score increase applicants from each credit band could achieve within 30 days by completing a custom action plan.
Powerful data insights enable you to:
- Track inquiries per credit band
- Expand access to homeownership
- Increase applicant purchasing power
- Offer better rates and terms for all
Stay up to date on monthly inquiry volume for each credit band and the likelihood of applicants reaching their credit potential.
Make homeownership a reality for your clients.
CreditXpert helps you qualify more applicants and retain more leads by ensuring that you are offering the most competitive rate and terms. We make credit scores more transparent and actionable for lenders and consumers. Our predictive analytics help mortgage originators quickly understand an applicant’s credit record, highlight improvement potential, and identify the actions needed to achieve a higher score. Join the thousands of lenders who are already putting credit first.