CredEvolv – Lender-Integrated Credit & Debt Solutions
Lender-Integrated Credit & Debt Platform

Your referred clients
deserve a clear path
to loan-ready.

CredEvolv connects directly into your tech stack – Total Expert, Encompass, Blend – so your clients get HUD-certified nonprofit credit counseling, debt management, and DIY credit-building tools the moment they need them.

Request a Demo See Our Solutions
How a referral works
🏦
Loan Officer Identifies a Gap
Credit score too low, DTI too high, or debt burden blocking approval
API · Total Expert · Encompass
⚡
CredEvolv Routes the Referral
Client is matched to the right HUD-certified nonprofit solution automatically
Automated · Compliant · Real-time
🎯
Client Gets to Work
Credit counseling, debt management, or DIY CredEvolvIQ – based on their situation
NFCC · HUD-Certified · Nonprofit
🏠
LO Gets the Close
Clients return loan-ready with documented score improvement and proof of counseling
9.1% Enrollment-to-Close Rate
36K+
Consumers Served
+53
Avg Score Lift
58%
Completion Rate
UWM | CrossCountry Mortgage | Zillow Home Loans | Guaranteed Rate | Fifth Third Bank | AnnieMac Home Mortgage | WesBanco | Northpointe Bank | PRMG | Homestead Funding | Haven Home Equity | Huntington Bank | Beeline | Mutual of Omaha Mortgage
UWM | CrossCountry Mortgage | Zillow Home Loans | Guaranteed Rate | Fifth Third Bank | AnnieMac Home Mortgage | WesBanco | Northpointe Bank | PRMG | Homestead Funding | Haven Home Equity | Huntington Bank | Beeline | Mutual of Omaha Mortgage
Who Trusts CredEvolv

The biggest names in lending.
The institutions that set the standard.

CredEvolv is trusted by some of the largest mortgage lenders in the country – and backed by the institutions that define ethical consumer financial services.

🏛️
Mortgage Bankers Association
The leading national association representing the real estate finance industry – and a CredEvolv institutional partner.
🤝
National Foundation for Credit Counseling
The nation’s largest nonprofit credit counseling network. CredEvolv is an active NFCC partner currently piloting with five member agencies.
🏠
HUD-Certified Counseling Network
Every counseling partner in our network holds active HUD certification – the federal standard for ethical, compliant credit and housing counseling.
Active lender partners
UWM
CrossCountry Mortgage
Zillow Home Loans
Guaranteed Rate
Fifth Third Bank
AnnieMac
WesBanco
Northpointe Bank
PRMG
Huntington Bank
Haven Home Equity
+ 20 more and growing
Our Solutions

One platform.
Every path to loan-ready.

We match each referred consumer to the right solution – automatically, compliantly, and with full visibility back to you.

🧑‍💼
Nonprofit Credit Counseling
HUD-certified, NFCC-member nonprofit counselors guide consumers through a personalized credit improvement plan. Documented outcomes, compliant processes. When student loan debt is identified during counseling, our partners can address that too – within the same counseling relationship.
⏱ Avg. 3-6 months to goal
$149 enrollment – $115/mo max
Consumer-paid – All 50 states – No cost to refer
💡 Some lender partners subsidize a portion of the enrollment fee – reducing friction for consumers and improving program completion rates.
Learn more →
💳
Nonprofit Debt Management
When DTI or high-balance debt is the barrier, our HUD-certified nonprofit debt management partners negotiate rates and structure a clear path out – without debt settlement.
⏱ Avg. 12-18 months to goal
Avg. $37 set-up – $26/mo
Nonprofit-backed – Not debt settlement – Consumer-paid – All 50 states – No cost to refer
💡 Some lender partners subsidize a portion of the enrollment fee – reducing friction for consumers and improving program completion rates.
Learn more →
For Lender Partners

Embedded in your workflow.
Not bolted on.

CredEvolv lives inside the tools your team already uses. No new logins, no manual routing, no compliance gaps.

01
Integrate once
We connect directly to your LOS, CRM, or POS – Total Expert, Encompass, Blend, and more. Your team refers from inside their existing workflow.
API · SSO · Webhooks
02
Refer and route automatically
A single referral triggers smart matching – credit score, debt profile, and consumer readiness determine the right program, instantly and compliantly.
FCRA-aware · Documented · Auditable
03
Track outcomes, close more loans
Status updates flow back into your CRM. When a consumer completes their program, your LO is notified. 9.1% of enrolled consumers become closed loans.
Real-time updates · ROI dashboard
Proven Outcomes

Numbers lenders
bring to their leadership.

We’ve served over 36,000 consumers across all 50 states since 2021. These aren’t projections – they’re our platform averages.

See a Real Success Story
64%
Enrollment rate among referred consumers
58%
Program completion rate
+53
Average credit score improvement
5.5mo
Average time to measurable improvement
9.1%
Of enrolled consumers become
closed loans for the referring LO
What Sets Us Apart

We work the cases
everyone else
walks away from.

A declined application. A thin file. A borrower buried in debt. Most of the industry hands them a pamphlet and wishes them luck. We pick up exactly where that conversation ends.

These are the hardest consumers to serve – skeptical, financially stressed, and often burned before. That is precisely why we built a platform designed around follow-through, not just referrals. We contact them persistently, match them to the right program, and stay with them until they are ready to close.

Get Started Request a Demo
For Lenders

The borrower you couldn’t close today is revenue you don’t have to lose forever. Every referral you send to CredEvolv is a relationship you keep – and a loan that comes back to your pipeline when the consumer is ready.

For Consumers

Being told no does not mean never. It means not yet – and not without the right help. CredEvolv exists because we believe the path to homeownership, financial stability, and the life you want should be open to anyone willing to do the work.

36,000+
Consumers who were told they weren’t ready – and proved everyone wrong.
CredEvolvIQ – Now Available

For consumers who want
to drive their own progress.

Our own data told us something worth listening to: a significant share of consumers referred through our platform wanted a more affordable, self-paced option – one that didn’t require a monthly coaching session to make progress. CredEvolvIQ is built for them. The same institutional standards, at a fraction of the cost, on their schedule.

📊
Credit Score Monitoring & Analysis
Real-time score tracking with actionable improvement recommendations
🗺️
Personalized Credit-Building Roadmap
Step-by-step guidance tailored to each consumer’s unique credit profile
🔔
Bureau Dispute Assistance
Guided dispute workflows for inaccurate or outdated credit report items
📚
Financial Literacy Modules
FICO-aligned education built by certified credit counseling professionals
Start your trial today
$1
7-day trial, then $29.99/month · Cancel anytime
  • Full platform access from day one
  • Credit score monitoring included
  • Personalized improvement roadmap
  • FICO-certified content library
  • No long-term commitment required
  • Upgrade to counseling at any time
Start $1 Trial – 7 Days Free
Integrations & Tech Stack

Already inside
your team’s tools.

CredEvolv connects directly to the platforms mortgage teams use every day. Our API and native integrations mean zero workflow disruption.

Total Expert
ICE Encompass
Blend
Salesforce
Insellerate
Relcu
Shape
Zoho CRM
REST API
Webhooks
SSO / SAML
Custom LOS Connectors

Don’t see your platform? We offer a robust API. Ask us about it and our ability to build new integrations.

What Partners Say

Built with lenders,
for lenders.

The referral pipeline is one thing. The relationships it builds – and the loans it recovers – are what partners come back for.

“CredEvolv gives our loan officers a compliant, transparent way to help borrowers who aren’t ready yet. The integrations are seamless, and the outcome data is exactly what we need for our CRA reporting.”
Regional Lending Director
Top 10 Non-Bank Mortgage Servicer
“We were losing a lot of business to thin-file and low-score declines. Since CredEvolv, we have a pipeline of working-toward-ready clients that we never had before. The 9% close-from-enrollment rate is real.”
VP of Production
Independent Mortgage Bank, Southeast
“The nonprofit backing and HUD certification matters to our compliance team. We couldn’t recommend a for-profit credit repair company to borrowers. CredEvolv solved that for us.”
Chief Compliance Officer
Community Development Lender
For Enterprise Partners

Ready to turn declined
applicants into future closings?

Schedule a 30-minute demo and see how CredEvolv integrates with your current tech stack, routes referrals automatically, and tracks outcomes back to your team.

Request a Demo
Guide cover 1

Not All Loan Readiness Paths Are Created Equal

A lender-safe way to evaluate options, spot risk, and choose a defensible path.

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Guide cover 2

Loan Readiness, Done Right

A clear framework for compliant borrower support, documentation, and outcomes.

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