For Lenders and Loan Officers

One integration.
Every client who
isn’t ready yet.

CredEvolv connects directly into your existing tech stack. When a borrower doesn’t qualify, your team refers them in two clicks – and gets visibility back when they’re ready to close.

Request a Demo Refer a Client Now
The referral journey
🏦
LO identifies a gap
Credit score, DTI, or debt load is blocking approval. LO submits a referral from inside their existing CRM or LOS.
Total Expert · Encompass · Salesforce · Blend · Relcu · and more
⚡
CredEvolv engages the consumer
We contact them up to twice daily for 30 days – calls, texts, emails. We assess their situation and match them to the right program.
Automated · Compliant · Real-time
🎯
Consumer enrolls in the right program
Credit counseling, debt management, or CredEvolvIQ – matched to their situation. HUD-certified nonprofit providers take it from there.
NFCC · HUD-Certified · Nonprofit
🏠
LO gets the close
Milestone updates flow back into your CRM. When the consumer completes their program, your team is notified and the borrower comes back loan-ready.
5.2% loan close rate
36K+
Consumers served
35%
Of referred consumers enroll
+53
Avg score lift
UWM
CrossCountry Mortgage
Zillow Home Loans
Guaranteed Rate
Fifth Third Bank
AnnieMac
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
WesBanco
Northpointe Bank
PRMG
Homestead Funding
Haven Home Equity
Huntington Bank
Beeline
Mutual of Omaha Mortgage
Three Ways to Work With Us

No matter how you work,
there’s a path for you.

Whether you’re a large lender evaluating a full tech stack integration, an independent LO who wants to start referring today, or a partner watching our Connector App take shape – here is how each path works.

Tier 1 – Enterprise
01
Full Tech Stack Integration
CredEvolv connects directly to your LOS, CRM, or POS via API, native integration, or webhooks. Referrals flow from inside your existing tools – no new logins, no manual routing.
Best for
Mortgage lenders, banks, non-bank servicers, and correspondent lenders with an existing tech stack who want automated referral routing and full CRM visibility.
Request a demo →
Tier 2 – Direct Referral
02
Refer a Client Directly
No integration required. Any loan officer, mortgage broker, or real estate professional can submit a referral directly through our client referral page – right now, today.
Best for
Independent LOs, mortgage brokers, Realtors, and anyone who wants to start referring clients immediately without waiting for a formal enterprise agreement.
Refer a client now →
Coming Soon
03
CredEvolv Connector App
A dedicated web app for independent referral partners – with your own affiliate code, a full referral pipeline dashboard, progress tracking, and an ROI calculator built in.
Best for
Independent LOs and Realtors who want a dedicated referral and pipeline tracking tool beyond the basic direct referral form – without an enterprise integration.
In development – check back soon
Tier 1 – Enterprise Integration

Embedded in your workflow.
Not bolted on.

The enterprise integration is designed so your LOs never have to leave the tools they already use. Here is the full sequence from first referral to closed loan.

01
Integrate once – we handle the rest
Our team connects CredEvolv to your LOS, CRM, or POS. We support native integrations with Total Expert, ICE Encompass, Salesforce, Insellerate, Relcu, Shape, Blend, and more – plus a robust REST API for custom builds.
One-time setup – your team leads
02
LO refers in two clicks
When a borrower doesn’t qualify, the LO submits a referral from inside their existing system. No new login. No manual data entry. The referral flows to CredEvolv automatically with the consumer’s context already attached.
Zero workflow disruption
03
We engage, assess, and route
Our outreach team contacts the consumer up to twice daily for 30 days. We assess their situation – credit score barrier, debt load, or both – and route them to the right HUD-certified nonprofit program automatically.
30 days · Fully handled by us
04
Milestones flow back to your CRM
Enrollment confirmation, program milestones, and completion notifications feed back into your tech stack in real time. When a consumer finishes their program and is ready to close, your LO knows immediately.
Full visibility · Audit trail
Supported integrations
Total Expert
ICE Encompass
Salesforce
Insellerate
Relcu
Shape
Blend
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 You Get Back

Visibility at every step.
Not just at the close.

Most referral programs are a black box – you send a client and hope to hear back. CredEvolv feeds status updates into your CRM at every stage so your team always knows where a referred client stands.

✅
Enrollment confirmation
Your CRM is updated the moment a referred consumer enrolls in a program – so your LO knows the referral landed.
📊
Program milestone updates
Credit score improvements, plan completions, and key milestones flow back into your system in real time throughout the program.
🏁
Completion notification
When a consumer finishes their program and is loan-ready, your LO is notified immediately – with documentation of their progress on file.
📋
Full audit trail
Every referral, enrollment, and milestone is logged and available. Full documentation for your compliance team and loan file.
35%
Of consumers enroll in a program
17%
Program completion rate
+53
Average credit score improvement
5.2%
Of referred consumers close a loan
36K+
Consumers served across all 50 states since 2021 – through a network of HUD-certified nonprofit counseling and debt management providers
Built for Regulated Environments

Your compliance team
will want to see this.

CredEvolv’s referral architecture was designed from the ground up for regulated mortgage lenders – both bank and non-bank – as an extension of the mortgage application. Every component was built to operate cleanly within FCRA, RESPA, and applicable consumer protection frameworks.

FCRA-Aware Design
No RESPA Exposure
HUD-Certified Partners
Full Audit Trail
Documented Referral Records
Bank + Non-Bank Ready
Service-provider framing for all consumer outreach – CredEvolv communicates on behalf of the referral relationship, not as an independent solicitor
Express consent architecture – every consumer interaction is consent-gated before outreach begins
All counseling and debt management partners hold active HUD certification – the federal standard for ethical consumer financial counseling
Separate ODC listeners pre-routed by consumer intent – no co-mingling of credit, debt, and CEIQ referral streams
Full referral, enrollment, and milestone audit trail available for lender compliance review at any time
The Math

What does a CredEvolv
partnership actually return?

5.2% of referred consumers close a loan. At the average mortgage loan value, every 1,000 consumers referred returns 52 closed loans. Use our ROI calculator to run the numbers for your team.

Calculate Your ROI
Example – 100 referrals per month
Referrals
1,000
Enrollment rate (35%)
~350 consumers enrolled
Loan close rate (5.2%)
~52 additional closed loans
At avg. $300K loan value
~$5.62M recovered gain on sale for a $5B annual originator
These are illustrative figures based on CredEvolv platform averages. Use the ROI calculator to model your own numbers.
Ready to see it in action?

30 minutes.
Your tech stack. Your numbers.

Book a demo and we’ll walk through how CredEvolv integrates with your current tools, what the referral flow looks like for your LOs, and what the ROI looks like at your loan volume.

Request a Demo Refer a Client Now