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AI-driven credit optimization built for mortgage production.

Analyze

Our proprietary Predictive AI Engine analyzes the credit potential for more that 75K credit pulls EVERY day – with NO human intervention.

Present

CreditXpert presents mortgage professionals with a plan optimized for the highest score, least cash needed, shortest timeframe and the highest probability.

Customize

When necessary, our industry leading simulator allows mortgage professionals to customize recommended plans at the tradeline level.

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

The confidence you need to hit a target score.

Our predictive AI-driven credit optimization engine presents you with a recommended plan – and the likelihood of your borrower reaching a target score. All you have to do is click “use this plan."

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

Quick Start

Built for Brokers and Originators with fewer than 20 professionals.

$28 per plan

  • Up to 20 user seats
  • Seamless connection to credit reports
  • Full platform access
  • Access to training videos + support
Get Started

Mid-Size

Built for lenders with a state or regional footprint.

Custom

  • Everything from Quick Start, plus:
  • Unlimited user seats
  • Always on connection that delivers real time insights
  • Dedicated client success manager
  • Custom pricing
Get a Quote

Enterprise

Designed for national lenders that operate at scale.

Unlimited Users

  • Everything from Mid-Size, plus:
  • Monthly business and analytics review
  • Dedicated onboarding, training and enablement coordinator
  • Advanced custom pricing options
Get a Quote

Real Estate Pros

A new way to find mortgage professionals that use CreditXpert.

Coming Soon

  • Free search tool exclusively for Real Estate Pros
  • Thousands of mortgage professionals nation-wide
  • See if your mortgage partners are using CreditXpert
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.