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The credit optimization platform built for mortgage production.

Identify

IDENTIFY: See the applicant's credit potential right in front of you.

Generate

GENERATE: Generate an optimization plan with 1 click.

Track

TRACK: Send the plan and track the applicant's progress.

can improve their score by 20 points or more in just 30 days.

This means that 7 out of every 10 borrowers you work with could either qualify for a mortgage, better loan product, secure a lower interest rate, save on P&I or lower PMI.

See how easy it is to optimize borrower scores.

Book a Demo

Confidence that your borrower will hit a target score.

CreditXpert runs hundreds of simulations in just seconds to find the most efficient way to achieve a target score – and we’re the only platform to show you the likelihood of success!

Maximizing pipeline conversion starts with a CreditXpert plan.

Nothing hurts your pipeline more than borrowers that fall short of a qualifying score. Finding a precise route to a qualifying score with a simple click.

Everyone wins with CreditXpert.

Mortgage professionals close more loans. Homebuyers lower the cost of homeownership. Real Estate Professionals have the peace of mind that their clients are getting the best deal.
Mortgage Professional

Mortgage Professionals

  • Convert more leads
  • Qualify more applicants
  • Make more competitive offers
  • Lower LLPA premiums
Homebuyer

Homebuyers

  • Qualify for better loan programs
  • Lower your interest rate
  • Reduce your private mortgage insurance premiums
  • Know that you got the best deal on a mortgage
Realtor

Real Estate Professionals

  • Help more clients qualify
  • Help clients secure the best rate
  • Help clients reduce PMI
  • Help increase client purchasing power

Get CreditXpert

Small Teams

For brokers and small organizations with fewer than 20 professionals.

$28 per plan

  • Gain access in less than 5 days
  • Optimize borrower score outcomes
  • Seamless connection to credit reports
  • Streamline small-team workflows
Get Started

Mid-Size

Tailored for midsized organizations, and regional originators.

Custom

  • Dedicated customer success manager
  • Standardize lending practices company-wide
  • Support rapid borrower growth
  • Share data securely between offices
Get a Quote

Enterprise

Designed for larger organizations and high production teams.

Unlimited Users

  • Manage thousands of borrower files
  • Easily adaptable with existing application process
  • Ensure enterprise-wide compliance
  • Optimize high-volume score optimizations
Get a Quote

Real Estate Pros

Search tool built to connect real estate agents to CreditXpert users.

Coming Soon

  • Qualify homebuyers faster with credit optimization
  • Align credit checks with closings
  • Support lender–agent collaboration
  • See if your mortgage partners are CreditXpert users
Start Connecting

What mortgage professionals are saying about CreditXpert.

"CreditXpert has been a game-changer for my clients. Its easy-to-use tools consistently help borrowers improve their scores and qualify for better rates. We’ve achieved a 100% success rate this year, making it an indispensable part of my workflow."

Chris W. – Top 20 IMB

"CreditXpert gives me a competitive edge. It’s helped countless borrowers qualify when they’d otherwise be turned away. With clear, actionable plans, I can offer hope, improve scores, and close loans that others didn’t think were possible."

Sage J – Top Regional Bank

"With CreditXpert, I can quickly run scenarios and show clients exactly how to improve their scores. It deepens relationships, builds trust, and helps my referral partners see real value in what we offer—leading to more closings."

Darlene E. – Top 10 IMB

"With CreditXpert, I’ve helped clients boost scores enough to switch from FHA to conventional, cut PMI, and lower payments by $200+. That not only saves my borrowers thousands—it’s kept more loans in my pipeline and strengthened my referral network."

Alex S. – Top 50 IMB

"CreditXpert turned a 619 FHA file into a 660 conventional approval, giving my client better terms and saving on monthly costs. Tools like this keep loans from falling out and help me close more business without sending clients elsewhere."

Mary M. – Top 15 IMB

"CreditXpert is a pipeline saver. It’s helped me prevent fallout by guiding borrowers to scores that unlock better pricing. Acting as an advisor builds trust, wins repeat business, and keeps more applications moving to the finish line."

Keilun M. – Top 15 IMB

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.