Backend credit optimization for mortgage lenders

Recover denied mortgage deals. Close more loans.

🚀 We prepare your clients’ credit and funding the right way, helping them qualify faster while you increase approvals and earn referral payouts.💰

For mortgage loan officers, originators, and brokers who want a compliant, low-friction way to save declined or marginal files.

Denied files don’t just disappear. They drain your pipeline.

Every month, strong borrowers fall out of your funnel because of fixable credit issues. The file is set aside, the borrower is told to "work on things" on their own, and your time, quotes, and effort never turn into funded loans.

Without a structured way to manage those borrowers, you’re left with:

  • Lost commissions from borrowers who could have qualified with guided credit improvement.
  • A clogged pipeline full of "not yet" files with no clear follow-up process.
  • Time spent structuring options, running scenarios, and explaining conditions that never convert.
  • Borrowers drifting to competitors or online offers once their situation improves.
  • No visibility into whether a declined or marginal file will ever become fundable.

You know which borrowers could succeed with the right guidance—but building and managing a full credit-improvement process in-house isn’t realistic on top of your production goals.

A dedicated backend partner to bring borrowers back mortgage-ready.

Credit Revive operates as your behind-the-scenes credit optimization partner. We work directly with the borrowers you refer, focusing on the specific credit-related obstacles standing between them and a fundable mortgage file.

We are not a consumer-facing "credit repair" brand for your borrowers. We are a structured, lender-focused solution designed to protect the work you’ve already invested in each file and to support your long-term production goals.

What you can expect

  • A clear path for declined or marginal borrowers instead of a dead end.
  • Professional, documented processes aligned with lender expectations.
  • Regular status visibility so you know when borrowers are ready to re-engage.
  • A partner focused solely on turning today’s "not yet" into tomorrow’s closed loan.

Why Choose Us?

We help eliminate credit roadblocks. Our team works with clients who were previously denied to rebuild their credit and prepare them for funding—so stalled deals turn into successful closings. With live client status updates, a clear referral structure, and $100 paid per approved referral, partnering with us leads to more approvals, added revenue, and better client outcomes.

Transparent updates through your partner portal

Get full visibility at every stage with real-time progress tracking. Our partner portal lets you see exactly where each client stands in their credit repair process—no follow-ups, no delays.

Fast, results-driven credit improvement

Our team applies tested strategies and tailored action plans to help clients improve their credit efficiently. The focus is on measurable progress that turns denials into approvals.

Trusted by loan officers and brokers nationwide

Professionals nationwide work with us because we produce results. Through consistent outcomes, clear communication, and a proven ability to help clients qualify, we’ve become a trusted partner for brokers.

Borrower returns to you

Once the borrower is positioned to re-enter the mortgage process, we direct them back to you, preserving your relationship and giving you a cleaner, more actionable file.

Simple steps for borrowers and brokers

1. After joining our affiliate program, you’ll receive access to a custom affiliate portal where you can submit client information and any important details we should know, such as target credit scores for closing. You’ll also have real-time visibility into each client’s progress.

2. Once your client is submitted, our team reaches out directly and provides them with an onboarding link to complete self-signup for services.

3. Within 24 hours of reviewing your client’s credit report, our team develops a detailed, customized strategy tailored to their specific situation to help move the process forward efficiently. We understand time matters, and we work proactively to keep things moving.

💰 Why Brokers Love Partnering With CREDIT REVIVE

We can support:

  • ✅ Fast results (average 30–120 days)

  • ✅ Dedicated client portal + progress updates

  • ✅ $100 thank-you bonus per referral

  • ✅ Co-branding options for your firm

  • ✅ Funding prep for your self-employed clients

  • ✅ You look like the EXPERT to every client you help!!

TESTIMONIALS

What clients say about us

Jason Whitfield

Credit Revive has been a game changer for my denied clients. Rather than letting deals fall through, I refer them and often see them come back qualified within a few months. The updates are consistent, the process is easy, and the referral bonuses are a nice plus.
- Premier Mortgage Group

Marcus Reynolds

Partnering with Credit to Keys has completely changed how I handle clients who are initially denied due to credit. Instead of losing deals, I refer them here—and within a few months, many return qualified and ready to close. The communication is clear, the process is smooth, and the $100 referral bonuses are a great added benefit.
- Summit Home Lending

Frequently asked questions

If you have additional questions about how a partnership would work for your team, we’ll cover them on your introductory call.

1. How does the Referral Program work?

Refer clients who were declined due to credit challenges. We take care of the credit repair, profile structuring, and funding preparation. When they’re approval-ready and successfully close, you earn your referral bonus.

2. How much can I earn per referral?

Earn a $100 referral bonus for each client who completes the program and successfully closes. There’s no cap on referrals—the more clients you send, the more you earn.

3. How do I track my clients’ progress?

You’ll have access to a dedicated partner portal where you can view real-time updates, monitor client progress, and stay informed every step of the way.

4. How long does the credit repair process take?

Results vary by client, but many experience noticeable credit improvement within 45–90 days, depending on their credit profile and level of participation.

5. Do I need to pay to join the program?

There’s no cost to join. Simply sign up, refer clients, and we’ll take care of everything else.

6. Can clients contact you directly?

Absolutely. After a referral is made, our team manages all client communication, ensuring a smooth and professional experience for everyone involved.

7. Is my information and my clients’ data secure?

Yes. All personal and financial information is protected through secure systems and handled with strict confidentiality throughout the program.

Recover more of the work you already do

Turn declined and stalled files into future closings.

Partner with Credit Revive to recover declined deals, protect your pipeline, and bring borrowers back mortgage-ready—without adding work to your team.

Prefer to start by sharing details in writing? Use the partner application form linked after booking to provide your company, role, and licensing information.