Mortgage

Streamline underwriting inputs and accelerate approvals across HELOC, refinance and purchase with mortgage-ready credit reports.

  1. 01Generate Leads withLeadsIQ
  2. 02Qualify Leads withOffersIQ
  3. 03FICO and Vantagesoft or hard inquiries
  4. 04StandardCredit Reports

Credit data you can stand behind, from prequalification through post-closing

At CRS, we deliver the credit data mortgage lenders actually need to move loans forward. Our reports are built for the full origination workflow, from prequalification through underwriting, giving your team accurate, current, and decision-ready information at every step. Whether you're sizing up a borrower for an initial conversation or pulling the detailed tri-merge your underwriters rely on to clear a file, we provide consistent, dependable data you can stand behind. No guesswork, no gaps, just the credit intelligence that keeps your pipeline moving and your decisions defensible.

Our support doesn’t stop at the closing table. We also provide post-closing QA, QC, and portfolio review data designed to help you verify the integrity of your loans, satisfy investor and audit requirements, and spot risk across your book before it becomes a problem. From confirming that the credit pulled at origination holds up under scrutiny to delivering the portfolio-level insight that informs your servicing and secondary-market strategy, we give you the complete picture. Partner with us and get a credit reporting provider that understands the mortgage business end to end - and works to make your job easier at every stage.

Getting started is just as straightforward. Our solution technology is built for fast, painless implementation, so you can be up and running without the long timelines and heavy lifting you've come to expect from other providers. We handle credentialing efficiently and guide you through every step, getting your team verified and pulling reports quickly. Less time setting up, more time closing loans that's how it should work.

Trusted by

  • Landins
  • Doorstead
  • Wealthfront
  • Unlock

01

Generate Leads withLeadsIQ

Transform lead targeting from a fuzzy, assumption-based process into a precise, data-driven operation. Search across CRS's consumer and commercial databases using refined filters to identify prescreened, high-potential audiences aligned to your lending or offer criteria.

LeadsIQ · Happy Capital
Scoring model
Vantage
Credit score
620–680
Segment
Subprime
State
CA, AZ, NV
consumers matched your criteria
24,318

19.8s count

  • 01.1HELOC, refinance, and purchase flows
  • 01.2Single report delivery with FICO and VantageScore options
  • 01.3Merge logic credit reports and workflow alignment within key industry systems

By replacing guesswork with verified data, LeadsIQ helps organizations market more efficiently.

Learn more

02

Qualify Leads withOffersIQ

Increase the value of engaged leads by qualifying them early for definable offers without triggering regulatory and operational frictions associated with prequalification workflows. The result is a higher-quality, higher-converting lead that commands greater value and drives stronger downstream performance.

Using a pre-approval mechanism, OffersIQ enables teams to:

Rule set - TIER_A_THIN_DEBT

Sandra Bowker - TransUnion - 2026-08-20

  • score_band=<680
  • unsecured_debt<18,000
  • student_loansexcludetrue
  • inquiries_6mo<=3
  • 02.1Build highly targeted marketing lists
  • 02.2Apply finite filters to reduce waste and improve match rates
  • 02.3Append mobile phone, email addresses, and demographic data

Minimize the gap between top-of-funnel leads and end-of-funnel approvals.

Learn more

03

FICO and Vantagesoft or hard inquiries

CRS provides comprehensive access to soft and hard credit report data from all three major bureaus: Equifax, Experian, and TransUnion. Fintechs and lenders use this data to render immediate, informed credit decisions through workflows built for efficient underwriting and full compliance with permissible purpose requirements.

Each report can include FICO and VantageScore models alongside enhanced attributes like MLA checks, OFAC screening, Income Insight scores, and identity verification. These elements are curated at the time of each credit request, letting clients tailor every pull to their specific risk, compliance, and operational needs.

Console
"requestData": { "firstName": "J"
"lastName": "SMITH"
"middleName": "FRANK"
"ssn": "666321234"
"addresses": [
"borrowerResidencyType": "Current"
"addressLine1": "1234 ELM STREET"
"city": "SPRINGFIELD"
"state": "IL"
"postalCode" : "62704"
] } , "repositoryIncluded": { "transunion": true,
"experian": false, "equifax": false } ,
"responseDetail": { "dateRequested":

04

StandardCredit Reports

CRS Standard Format gives mortgage teams clean, consistent credit report data across Equifax, Experian, and TransUnion through a unified API and PDF experience. Instead of working through different bureau formats, lenders can review standardized report data that is easier to integrate, compare, and use across underwriting workflows.

Reports can support single-bureau, two-bureau, or tri-merge needs, with soft or hard pull options depending on the stage of the borrower journey. For mortgage teams, this helps reduce manual review, keep LOS workflows cleaner, and move files forward with more confidence.

CRS Advantage

Technology

Unified data infrastructure

A single integration layer for credit, identity, fraud, and alternative data designed to reduce complexity and overhead. With AI, complete integration in a single session.

Pricing

Flexible transparent pricing

Pay only for the data you need, with pricing designed to scale as your business grows. CRS uses its purchasing power to secure preferred rates for customers.

Performance

Built to scale

SOC 2 certified and enterprise grade infrastructure built for high volume, real time decisioning in regulated environments. Our APIs perform up to 5x faster.

Access

Weeks not months

Standardized APIs and configurable workflows enable fast onboarding, with guided FCRA compliance and dedicated support. Most clients go live in under 5 days.

  • Bilt
  • NACA
  • Unlock
  • Rentvine
  • Wealthfront
  • Live Oak Bank
  • Checkr
  • Aptly
  • Taktile

CRS Powers Top Fintechslearn more about our partner network

Work with CRS

Data foundation for modern lending FAQ

Does CRS support both consumer and commercial mortgage flows?

FAQ


Does CRS support both consumer and commercial mortgage flows?

CRS supports mortgage-related workflows across borrower types depending on program design.

How does CRS help reduce mortgage processing time?

By standardizing credit inputs, simplifying integrations, and supporting workflow alignment with major underwriting ecosystems.

Can CRS support automated underwriting workflows?

CRS can support merge logic and integration patterns that fit automated underwriting and LOS processes.

Do you support lead generation as well as underwriting inputs?

CRS partners with marketing firms so lenders can connect acquisition to execution-ready workflows.

Can CRS support lenders with multiple channels (retail, broker, direct mail, digital)?

CRS helps keep underwriting inputs consistent across channels so conversion and compliance don’t vary wildly.