For HUD-Certified Nonprofit Counseling Agencies

Your counselors should be counseling.
Not chasing leads to keep the lights on.

HUD’s spring NOFO pulled pre-purchase counseling from fundable activities – the service many of your counselors run all day. CredEvolv isn’t here to add to that pressure. We bring your agency a steady stream of consumers who are already engaged, willing to pay, often subsidized by their lender, and ready to start working with a counselor. Your team does what it was built to do. We handle everything upstream.

Schedule a Conversation See how it works
What agencies are navigating right now

“HUD wants outcomes without paying. Lenders benefit without paying. And we’re supposed to keep doing this work for free while our funding model collapses.”

Common sentiment among HCA directors, 2025-2026

“We have experienced counselors and the capacity to serve more clients – but we have no way to reach them. Our whole model was built on referrals that no longer come the same way.”

Recurring theme in agency outreach conversations

“We didn’t get into this work to build a sales funnel. We got into it to help people. We just need the people to show up.”

What every good agency director already knows
What CredEvolv brings to your agency

Warm, motivated consumers – and often the funding to cover their costs.

CredEvolv is a fintech platform embedded in the workflows of dozens of mortgage lenders and growing. When a borrower can’t qualify because of credit or debt, their loan officer refers them to us. We engage that consumer, assess their situation, and connect them to the right HUD-certified nonprofit counselor – your team.

We contact each referred consumer up to twice a day for 30 days. That’s a level of outreach persistence no agency could staff on its own. By the time a consumer reaches your counselors, they’re warm, informed, and ready to engage – not cold-called and confused.

And critically: many lenders we work with actively subsidize the consumer’s cost – covering the enrollment fee, the monthly fee, or offering a closing-cost credit. That removes the affordability friction that kills enrollment before it starts.

This is not a typical referral relationship.

Most referral sources deliver a name and a phone number. CredEvolv delivers a consumer who has already been contacted multiple times, educated about what counseling involves, and in many cases had their costs subsidized by their lender. Our referred consumers enroll at a meaningfully higher rate than cold leads – because the work of getting them ready happens before they ever reach your team.

How the referral flow works

Your counselors counsel.
We handle the rest.

The division of labor is clean. You never touch the outreach. We never touch the counseling.

Step 01
Lender identifies a borrower who isn’t ready
A loan officer within our lender network flags a borrower with a credit or debt issue. The referral flows into CredEvolv automatically through their existing CRM or LOS.
Lender-side – nothing required from your agency
Step 02
CredEvolv engages and qualifies the consumer
Our outreach team contacts the consumer – calls, texts, emails – for up to 30 days. We assess their situation and determine whether credit counseling, debt management, or our DIY tool is the right fit.
CredEvolv-side – no effort from your counselors
Step 03
Warm handoff to your counseling team
When a consumer is ready for counseling, they’re connected to your agency. They arrive informed about what they’re signing up for, often with their lender’s cost subsidy already in place.
Your counselors step in here – and only here
Step 04
Consumer completes counseling. Lender closes the loan.
Your agency earns its standard enrollment and monthly fee. The consumer becomes loan-ready. The lender closes a loan they would have otherwise lost. Everyone wins – including the borrower.
Your normal fee structure. Our referral relationship.
The economics – plainly stated

What the revenue actually looks like for your agency.

Your agency charges consumers its standard enrollment and monthly fees. That doesn’t change. CredEvolv earns a referral fee from the agency for each lead sent.

What we’re bringing is demand – and revenue you don’t have to chase. Motivated, pre-engaged consumers who are largely ready and willing to pay for counseling – and in many cases, already subsidized by their lender. The affordability friction that kills enrollment before it starts is often already removed by the time they reach your team.

At 200-300 referrals per month and a 64% enrollment rate on contacted leads, the math on what a CredEvolv partnership means for your agency’s revenue is straightforward. We’re happy to walk through the numbers specific to your capacity on a call.

CredEvolv is backed by and works in partnership with the NFCC and the Mortgage Bankers Association – institutional relationships that reflect the same standards your agency holds.

A note on the lender subsidy: Many of our lender partners currently subsidize some or all of the consumer’s counseling cost – covering the enrollment fee, the monthly fee, or offering a closing-cost credit. This is what actually removes the affordability objection that most agencies struggle with. It’s a meaningful part of what we bring, and it’s growing as more lenders join.
For your agency

What changes. What doesn’t.

We hear the same concern in every first conversation: “What are you asking us to give up?” Here’s the honest answer.

What stays exactly the same

  • Your HUD-certified status and compliance obligations – we operate within your existing framework
  • Your counselors do the counseling – we never interact with clients on your behalf during the counseling relationship
  • Your agency’s fee structure – consumers pay your standard enrollment and monthly rates
  • Your caseload control – you set a referral cap and we honor it, always
  • Your workflow within your existing CMS – once intake is complete, the consumer is transferred to your system so you don’t have to manage two
  • Your mission – serving consumers who genuinely need help accessing credit and homeownership
  • Your agency’s independence – this is a referral relationship, not an acquisition or an exclusivity agreement

What you gain

  • A consistent pipeline of motivated, pre-engaged consumers – without building or funding an outreach operation
  • Consumers who often arrive with lender-subsidized costs already in place
  • 30 days of persistent outreach per consumer handled entirely by CredEvolv before they reach your team
  • A new, sustainable revenue stream at a time when HUD grant funding has become unreliable
  • A technology-enabled ecosystem that keeps lenders appropriately informed of client progress milestones
Common questions

Things we hear in the first conversation.

We’ve had enough of these conversations to know what comes up. Here are the honest answers.

“We don’t want automated systems talking to our clients.”
Fair – and it’s a reasonable concern. Think of our outreach team as working on your agency’s behalf upstream: we get the consumer engaged and ready, then hand them to your counselors for the actual counseling. Your team is never replaced – just relieved of the part that historically hurts enrollment. Your counselors spend their time counseling, not chasing.
“We don’t charge consumers for counseling. That’s our identity.”
That mission is worth protecting, and we’re not asking you to abandon it. The consumers we refer are already expecting to pay for help – and many have their cost covered by their lender. You’re not being asked to charge people who can’t afford it. You’re being offered consumers who are motivated, sometimes already funded, and ready to start.
“We’re already at capacity. We can’t take on more.”
This isn’t all-or-nothing. Most agencies start with a low referral cap – well below what they can handle – and scale up as they see how the workflow fits. You set the pace. We don’t push volume you haven’t asked for. And since we handle all the outreach, the incremental burden on your team per new client is lower than you might expect.
“We can barely keep the lights on. We can’t take on a new initiative.”
That’s exactly the problem this partnership is designed to address – not add to. There’s no cost to explore it, and no obligation until you see how it works. We can start with a single conversation, move at whatever pace makes sense for you, and put everything in writing before you commit to anything.
“How is this different from the referral relationships we already have?”
Most referral relationships deliver a name and a phone number and wish you luck. CredEvolv delivers a consumer who has already been contacted, educated about what counseling involves, and in many cases had their cost subsidized. The enrollment rate among our referred, contacted consumers is 64% – far higher than cold leads. The difference is 30 days of outreach before the consumer ever reaches your team.
The demand we bring

The lenders whose borrowers your counselors will serve.

These are the institutions referring consumers into the CredEvolv network – the same consumers who will be connected to your agency’s counselors.

UWM
CrossCountry Mortgage
Zillow Home Loans
Guaranteed Rate
Fifth Third Bank
AnnieMac Home Mortgage
WesBanco
Northpointe Bank
PRMG
Homestead Funding
Haven Home Equity

Plus 20+ additional lender partners added in the past 12 months and growing monthly.

“
You didn’t get into this work to build a sales funnel – and with HUD pulling pre-purchase funding from eligibility, you shouldn’t have to start now. We bring the volume, and often the lender subsidy that makes enrollment possible. Your counselors do what they were trained to do.
How CredEvolv describes the partnership to every agency we work with
For HUD-Certified Counseling Agencies

A 30-minute conversation.
No obligation, no pressure.

If you’re a HUD-certified nonprofit counseling agency with current approval and counseling capacity, we’d like to talk. We’ll walk through the referral flow, the economics, and what onboarding looks like – and you can decide if it makes sense for your agency at this time.

Schedule a Conversation Email us directly