CredEvolv
CredEvolv is a fintech SaaS loan readiness platform that connects credit-challenged consumers with HUD-certified nonprofit credit counselors through a free B2B2C service, enabling mortgage lenders to recapture deferred revenue from declined borrowers.
- Company typePrivate
- Founded2021
- HeadquartersNaples, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What CredEvolv does
CredEvolv is a fintech SaaS company operating a loan readiness platform that connects credit-challenged consumers with HUD-certified nonprofit credit and debt counselors. Founded in 2021 and headquartered in Naples, Florida, the company runs a B2B2C model in which mortgage lenders and banks refer borrowers who were declined on credit grounds, and those borrowers work with nonprofit counselors on structured Success Plans to become loan-ready, typically within 3 to 5 months. The platform is offered free of charge to lenders, who use it to recapture revenue from previously declined loans without the regulatory exposure associated with for-profit credit repair. Named lender partners include Zillow Home Loans, United Wholesale Mortgage, Mutual of Omaha Mortgage, CrossCountry Mortgage, Prosperity Home Mortgage, Fifth Third Bank, Guaranteed Rate, Huntington Bank, Flagstar Bank, AnnieMac Home Mortgage, Paramount Residential Mortgage Group, and others.
The core product, the CE 360 Platform, is a workflow and data management system with three distinct interfaces: a banker dashboard for lenders, a member portal for consumers, and a counselor portal for HUD-certified agencies. The platform is integrated with Total Expert CRM as part of the Total Expert Expert Partner Network, enabling lenders to refer borrowers directly and receive real-time status updates within their existing system, typically within a 30-day go-live window. It also connects to Freddie Mac HomeCoach to run automated underwriting feedback certificates that benchmark borrower readiness against actual underwriting criteria, and aligns with FICO Score 10T and VantageScore 4.0. Consumer-facing pricing is $149 for enrollment plus $115 per month until cancellation, with services delivered through HUD-certified nonprofit counseling agencies that set their own pricing within HUD guidelines.
CredEvolv monetizes primarily through consumer subscription fees paid to its network of HUD-certified counseling partners, while lenders access the platform at no cost in exchange for downstream loan recapture value. CredEvolv Services LLC operates as the primary Delaware LLC and the company has also filed as CredEvolv Systems LLC in an SEC Form D in March 2024, indicating a securities offering with a $750,000 minimum investment. The company has received industry recognition including the 2023 FICO Decisions Award, the 2021 HousingWire Vanguard Award, Inman Best of Finance Awards in 2024 and 2025, and the Global Financial Market Review Best Financial Inclusion Initiative 2025. It maintains flagship relationships with the Mortgage Bankers Association and the National Foundation for Credit Counseling, alongside technology integrations with FICO, TransUnion, and Fannie Mae-aligned standards.
CredEvolv firmographics
Firmographics- Name
- CredEvolv
- Legal name
- CredEvolv Services LLC
- Website
- https://credevolv.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CredEvolv is a fintech SaaS loan readiness platform that connects credit-challenged consumers with HUD-certified nonprofit credit counselors through a free B2B2C service, enabling mortgage lenders to recapture deferred revenue from declined borrowers.
- Ownership category
- akta.pro rank
CredEvolv industry classification
Industry- Product category
- Loan Readiness Platform
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Credit Bureaus (561450), Activities Related to Credit Intermediation (5223)
- SIC
- Loan Brokers (6163), Services-Prepackaged Software (7372), Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Real Estate Private Credit (CRE Debt) (FSANADAG)
- akta.pro secondary industries
- Balance-Sheet / Portfolio CRE Lending (FSALADAG), Credit Risk Transfer (CRT) & Mortgage Credit-Linked Securities (e.g., STACR/CAS) (FSALAJAE)
Keywords
Where CredEvolv is headquartered
LocationHeadquarters
- HQ city
- Naples
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
CredEvolv business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Platform Services to Lenders: CredEvolv provides a free platform for lenders to access nonprofit credit counseling services for their declined borrowers. The platform enables lenders to recapture deferred revenue from declined borrowers who become loan-ready through the program.
- Consumer Enrollment and Monthly Subscriptions: Consumers pay $149 enrollment processing fee plus $115 per month thereafter until they cancel. Services are provided through nonprofit HUD-certified counseling agencies that determine their own pricing within HUD guidelines.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Consumer Enrollment |
| Freemium | Monthly | Lender Platform Access |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels6 records
CredEvolv product offering
Product offeringCore offering
CredEvolv operates a SaaS loan readiness platform (CE 360) that connects credit-challenged consumers with HUD-certified nonprofit credit counselors to help them become mortgage-ready. Mortgage lenders and banks refer declined borrowers to the platform for free, while consumers pay an enrollment fee plus monthly subscription for personalized credit counseling, monthly coaching, and FICO-aligned progress tracking toward loan readiness.
Product overview
CredEvolv is a fintech SaaS loan readiness platform connecting three parties: consumers who need credit improvement, lenders who want to recover deferred revenue from declined borrowers, and HUD-certified nonprofit credit counselors who provide coaching and guidance. The core product is the CE 360 platform, which serves as the central ecosystem for managing loan readiness. The platform includes distinct interfaces for lenders (Lender Connector Login), consumers (Member Login), and counselors (Counselor Platform). The Lender ROI Calculator enables lenders to quantify the value of recovered borrowers. The platform is free for lenders and integrates with Total Expert CRM and Freddie Mac HomeCoach.
Differentiator
Problem solved
Functional benefit
Products and services
- CE 360 Platform The primary technology platform that connects borrowers with HUD-certified nonprofit credit and debt counselors, enabling data management, customer tracking, loan readiness assessment, and lender integrations. It serves as the central ecosystem for managing loan readiness across lenders, consumers, and counselors.
- Loan Readiness Platform for Lenders Free platform for mortgage lenders, banks, and credit unions to refer declined or low-credit borrowers to HUD-certified nonprofit credit counselors. Enables recovery of deferred revenue from previously declined loans through compliant borrower preparation pathways. Integrates with Total Expert CRM for seamless workflow.
- CredEvolv Counselor Platform Digital portal for HUD-certified nonprofit credit counselors to receive referred leads, conduct virtual counseling sessions, message clients 24/7, view documents, send updates, and track client credit scores throughout the loan readiness process.
- Consumer Credit Solutions Subscription program for credit-challenged consumers that connects them with nonprofit credit counselors providing personalized Success Plans, monthly virtual coaching, and 24/7 digital portal access. Consumers pay a $149 enrollment fee plus $115 per month and typically reach loan readiness in 3-5 months.
- Lender ROI Calculator Standalone calculator tool for lenders to quantify the financial impact of declined borrowers and estimate recovered revenue that can be recaptured through CredEvolv's loan readiness platform.
Quantifiable outcome
- 77-168 point credit score increases documented in success stories
- +3 more outcomes
Companies that use CredEvolv
Customer profileNamed customers23 records
Segments3 records
Ideal customer profiles3 records
CredEvolv technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature5 records
CredEvolv partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core, minor and flagship.
- Money Management International (MMI)corePartnership announced September 2025 to expand access and reduce risk in mortgage lending. MMI is a HUD-approved nonprofit credit counseling agency.
- Beeline LoansminorFintech partnership for innovative credit improvement solutions targeting mortgage borrowers.
- CONVERGENCE Columbus Bloom614 Homebuyer Readiness ProgramminorCommunity partnership launching Bloom614 homebuyer readiness program to expand access to homeownership through financial counseling.
- DriveItAwayminorPartnership to offer customers a path to achieving better credit through DriveItAway's automotive platform.
- Total ExpertcorePart of the Total Expert Expert Partner Network. Seamless integration allows lenders to refer low-credit borrowers directly from Total Expert, receive real-time status updates back into their system, track borrower progress, and configure communications to match brand voice. Typical go-live timeline is 30 days or less.
- Freddie MaccoreIntegration with Freddie Mac HomeCoach feedback certificates allows counselors to run automated underwriting feedback to accurately assess when clients are mortgage ready.
- FICOcoreUses same FICO scores that lenders rely on for underwriting. Platform aligns with FICO Score 10T and VantageScore 4.0.
- TransUnioncoreCredit data integration for tracking borrower credit scores and progress toward loan readiness.
- Fannie MaecorePlatform supports Fannie Mae guidelines and underwriting standards for mortgage readiness.
- Mortgage Bankers Association (MBA)flagshipProud partners of MBA. Primary industry association for mortgage bankers, providing credibility and industry recognition.
- National Foundation for Credit Counseling (NFCC)flagshipAligned with NFCC and other trusted institutions. NFCC is the leading national organization for nonprofit credit counseling agencies.
Scale indicators4 records
CredEvolv competitors and assessment
Company assessmentEmerging players
- Self Financial: Fintech building credit for thin-file and low-FICO consumers through a credit-builder loan product. Targets a similar consumer persona but uses a credit-builder installment loan rather than a nonprofit counseling pathway.
- Nav (formerly WisePricer): Small-business credit and lending marketplace. Adjacent in the credit-improvement data category but oriented to SMBs rather than consumer mortgage readiness.
Others
- Total Expert: CRM platform for lenders that is both CredEvolv's primary integration partner and a potential channel competitor, as Total Expert's marketplace hosts multiple credit-readiness vendors.
- Money Management International (MMI): HUD-certified nonprofit credit counseling agency that is both a competitor (consumer counseling) and a current CredEvolv platform partner (Sept 2025 strategic alliance). Closest analogous nonprofit-counseling delivery model.
Regional players
- Maxwell Financial Labs: Mortgage-tech SaaS for lenders offering point-of-sale and CRM-like workflow tools. Comparable in selling into the same Tier-1 mortgage-lender buyer community though focused on origination workflow rather than credit-readiness.
Direct peers
- GreenPath Financial Wellness: HUD-certified nonprofit credit counseling agency providing credit counseling, debt management, and financial wellness services — the same nonprofit-counseling category CredEvolv routes borrowers into.
- Lexington Law / CreditRepair.com: Long-standing for-profit credit-repair services that dispute credit-report items on behalf of consumers. Most directly comparable in function to CredEvolv's consumer credit-improvement offering, though CredEvolv differentiates via nonprofit-counselor model.
- Credit Sesame: Consumer credit-monitoring and credit-improvement platform offering free scores and ID protection. Closely analogous to Credit Karma; competes for CredEvolv's downstream consumer funnel.
Broad incumbents
- Credit Karma (Intuit): Major consumer credit-monitoring platform that helps consumers understand, monitor, and improve their credit scores. Overlaps CredEvolv's consumer credit-improvement mission but lacks CredEvolv's B2B lender-referral workflow and nonprofit-compliance positioning.
- Experian Boost: Credit bureau offering consumer-direct credit-score improvement products (Experian Boost). Competes with CredEvolv for the same 'credit-challenged borrower improving score' use case, but lacks lender-referral infrastructure.
Market position
Strengths5 records
Weaknesses5 records
Key risks6 records
Key highlights7 records
Customer concentration
CredEvolv social profiles
Digital presenceCredEvolv compliance and trust
Trust signalCompliance3 records
CredEvolv financial estimates
Financial estimateRevenue estimate
Valuation estimate
CredEvolv leadership team
Management profileNumber of profiles
Profiles5 records
CredEvolv funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CredEvolv M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CredEvolv
What does CredEvolv do?
CredEvolv operates a SaaS loan readiness platform (CE 360) that connects credit-challenged consumers with HUD-certified nonprofit credit counselors to help them become mortgage-ready. Mortgage lenders and banks refer declined borrowers to the platform for free, while consumers pay an enrollment fee plus monthly subscription for personalized credit counseling, monthly coaching, and FICO-aligned progress tracking toward loan readiness.
Is CredEvolv a public or private company?
CredEvolv is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was CredEvolv founded?
CredEvolv was founded in 2021. It employs 11 to 50 people.
Where is CredEvolv based?
CredEvolv is headquartered in Naples, United States, in the North America region.
How does CredEvolv make money?
Two revenue lines are on record. Platform Services to Lenders are the primary driver. The others are consumer Enrollment and Monthly Subscriptions.
Who are CredEvolv's main competitors?
Emerging players on record are Self Financial and Nav (formerly WisePricer). Others are Total Expert and Money Management International (MMI). Maxwell Financial Labs is listed as a regional player. Direct peers are GreenPath Financial Wellness, Lexington Law / CreditRepair.com and Credit Sesame. Broad incumbents are Credit Karma (Intuit) and Experian Boost.
Does CredEvolv have an API?
No public API is recorded for CredEvolv.
What industry is CredEvolv in?
CredEvolv's product category is Loan Readiness Platform. Its primary akta.pro industry code is FSANADAG, Real Estate Private Credit (CRE Debt), with a secondary code of FSALADAG, Balance-Sheet / Portfolio CRE Lending. Its NAICS code is 522310 and its SIC code is 6163.