Turn low-credit and high-DTI consumers into mortgage-ready buyers - directly within Total Expert.

This seamless, proven, transparent, and compliant integration provides lenders a path forward for clients who otherwise wouldn’t qualify - helping them connect clients, track their progress, and turn more deals into closings - all within one platform.

The CredEvolv integration within Total Expert keeps these consumers in your ecosystem, and connects them to HUD-approved, nonprofit credit and debt counselors - allowing you to monitor progress and ensure no opportunity is left behind.

Identify Opportunities Earlier
CredEvolv’s integration allows lenders to identify and connect borrowers who could benefit from credit and debt counseling in order to qualify. CredEvolv can work in conjunction with credit-related Customer Intelligence programs to trigger introductions to counseling services when credit opportunities are identified.

Increase Funded Loan Volume
Receive notifications so you can re-engage borrowers once they hit key credit milestones. Nurture leads until they’re loan-ready, reducing lead waste and increasing pipeline ROI.

Power Personalized Journeys
Credit improvement status drives automated yet humanized outreach via Total Expert’s omnichannel marketing tools. Loan officers are notified to reach out with relevant messages at the right time.

Seamless Automation + HumanTouch
CredEvolv data fuels Total Expert’s automation engine to deliver value at scale, while keeping the loan officer at the center of the relationship.

Provide a valuable annuity stream for lenders, by converting low value leads who have low credit and high debt into high value leads that are qualified for your loan products, like mortgages, HELOCs, and refinances.

We provide two paths to success with our platform, and both will return successful results:

Both approaches yield results: Lenders who do not subsidize typically see:

These results deliver meaningful ROI. But lenders who choose to subsidize unlock a far greater opportunity.

Take one of the nation’s largest lenders, for example. By covering a significant portion of the counseling fee, they’ve achieved: 80%+ enrollment rates, 50%+ completion rates, and higher rates of clients converting to closed loans.

The difference lies not just in cost coverage, but in the confidence and urgency it instills in consumers. Subsidizing the program signals commitment, removes
financial hesitation, and speeds up the journey from lead to loan.

CredEvolv operates for you behind the scenes, so combined with automated referrals and real-time progress tracking, loan officers can time follow-up perfectly - reconnecting with high-intent buyers at the exact moment they’re ready to move forward with a mortgage.

The result? A shorter sales cycle, a stronger borrower pipeline, and a measurable increase in funded loans.