Financial Institutions

Lender Solutions

EarnUp’s award-winning Engagement Platform helps consumers get homebuyer ready by using debt reduction & savings building automation tools. 

Solutions to support a modern infrastructure.

Turnkey Consumer
Credit Builder Program

Help consumers forge a path to homeownership.

Stand up a turnkey credit builder infrastructure complete with comprehensive education resources and automation tools to build savings, reduce debt, and shave expenses.

 

Budget Automation

EarnUp's budget automation feature, like the Payday to Payday® option, can assist consumers manage their finances effectively, making it easier for them to build credit.

Savings Acceleration

EarnUp can automate savings deposits, which can be used for the initial deposit required for a downpayment. Having automated savings options aligns with the goal of helping consumers build a credit history.

Loan Payoff Acceleration

By using EarnUp's Loan Payoff Acceleration tool, consumers can improve their DTI ratios and credit scores which can help them qualify for better loan terms.

Financial Guidance

EarnUp's AI Advisor can offer personalized financial guidance to help consumers strategically managage the activities that build credit and maketimely payments.

X.ai: Never before available
post close borrower insight

EarnUp X.ai provides unique borrower insights that support proactive risk mitigation, borrower performance, and improve portfolio performance.

For Lenders, EarnUp X.ai enables borrower-level data & analytics once limited to Servicers. 

Boost Your Bottom Line
& Skyrocket Success

Increase Retention & Revenue

Prioritize borrowers for proactive and targeted outreach to save on costly recapture churn and create a repeatable strategy for borrower retention.

Identify Opportunities

Detailed borrower dashboards reveal DTI ratios, performing vs. delinquent loans, asset-to-debt trends, & more, signaling when your borrower may be ready to refinance, purchase, or pay-off a loan.

Reduce Operating Expenses

Decrease the workload for your in-house customer support by reducing friction and improving accuracy in the post-close borrower payment process.

Help Your Borrowers Achieve
Their Financial Goals

unbeatable value add

Improve borrower loyalty by making personalized recommendations based on real-time updates about your borrowers financial health.

Avoid delinquency or default

Early intervention and custom alerts make it easy to spot the red flags in your borrower's financial picture.

XLerate: Digital
Payments Platform

Lenders utilizing EarnUp XLerate can cut their interim servicing costs by up to 70 percent* by automating post-close borrower payments, streamlining loan transfers, and delivering seamless communication.

No Stress Payment Management

Collecting interim loan payments can cost over $120 per loan.* Say goodbye to checks and costly manual payment reconciliation.

Enable Smooth Loan
Transfer

Avoid Early Payment Defaults with payment routing from lender to servicer during the loan transfer process.

Simplify Reconciliation After MSR Transfer

Expedite payment reconciliation and settlement between lenders and servicers, eliminating costly and time-consuming processes

Enhance Borrower Communication

Reduce borrower confusion by keeping your borrower up to date with automated emails and communication that complement RESPA communications.

Scam Risks Rise Amid Student Loan Repayment

All CUs should communicate and help members navigate potential scams to safeguard their financial well-being. As student loan repayment resumes after more than a three-year pause, borrowers face not only the challenge

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*Statistics are derived from our current customer data and processes and are not a guarantee of results.