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Introducing the new CreditXpert.
The only credit optimization platform that uses predictive analytics to help lenders qualify more applicants, make better offers and close more loans.
Upgrade Now Watch DemoUsed by the nation's top mortgage lenders
The next generation of credit optimization is here
Maximize the credit potential in every borrower.
Turn credit into a strategic growth engine at the click of a button with CreditXpert.
IDENTIFY: See the applicant's credit potential right in front of you.
GENERATE: Generate an optimization plan with 1 click.
TRACK: Send the plan and track the applicant's progress.
Everyone wins with CreditXpert.
The new CreditXpert makes mortgage scores transparent and actionable by all. Lenders close more loans, borrowers save money by securing better rates and terms and real estate agents increase their clients' purchasing power.
Mortgage Professionals
- Retain more leads
- Qualify more applicants
- Close more loans with more compelling offers
- Engage and empower your applicants
- Lower LLPA premiums
Homebuyers
- Optimize your credit score when it matters
- Qualify for better loan programs
- Lower your interest rate
- Reduce private mortgage insurance premiums
- Know that you got the best deal on a mortgage
Real Estate Agents
- Help more clients qualify for a mortgage
- Know your client is getting the best rate
- Lower your interest rate
- Help clients reduce private mortgage insurance premiums
- Increase client purchasing power
The latest credit optimization insights
Compete for every loan, regardless of credit band.
Not just for exceptions.
Position applicants for the best rates and terms. CreditXpert helps you eliminate guesswork, and reduce surprises at underwriting.
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.
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.