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Grow production profit. Compete for EVERY applicant.
One of the best ways to increase profitability is to ensure EVERY mortgage applicant has the highest credit score possible. Our predictive analytics engine eliminates the guesswork by identifying the credit potential for EVERY applicant. Turn that potential into a higher score with a 30 day action plan.
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
73%*
Of applicants could reach a higher mid-score
* Results are based on the most recent Credit Mortgage Potential Index and the improvement potential for applicants over the last 30 days.
Tools to help realize applicant potential
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 credit score 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 inquiries, 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.
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.
Get Started
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
For credit unions focused on financial inclusion, helping more members achieve homeownership is both a mission and an opportunity. Yet 65% of mortgage applicants say they were never offered a chance to improve their credit before applying. CreditXpert changes that. Using predictive analytics trained on over a billion credit reports, CreditXpert identifies each member’s credit potential—the score they could realistically achieve in just 30 days. Whether helping borderline borrowers qualify or lowering rates for well-qualified members, CreditXpert delivers real results. Credit unions can boost approvals, reduce loan costs, and build lifelong member relationships through credit optimization.
A Home Equity Line of Credit (HELOC) offers homeowners flexible access to funds using their home's equity as collateral. Unlike a home equity loan which provides a lump sum, a HELOC works like a credit card with a draw period (typically 10 years) where you can borrow and repay repeatedly, paying interest only on what you use.
Mortgage lending and credit can be complicated. That’s why we worked to simplify the benefits of Credit Optimization into easy to understand “plays.” Think of these plays as strategies you can deploy across your prospect pool that can help you convert more leads, qualify more borrowers, build deeper relationships, close more loans and even improve margins.