Skip to content
  • There are no suggestions because the search field is empty.

What are credits and how are they used in Borrower Insights? 

Learn everything about credits in our platform - from pricing bundles and bonus credits to exactly how many credits each loan detail costs. Discover which loan fields are free to view, how to purchase credits, and maximize your credit usage with our step-by-step guide.

What's in this article? 

1. What are credits and how do they work?
 
2. Are there any fields that do not require a credit to be used?
 
3. How to purchase credits

 

What are credits and how do they work?

Credits are your way to reveal loan details like interest rate, equity balance & percentage, home value, and borrower information.

You can obtain credits in bundles ranging from 60 to 10,000. Bonus credits are added to each bundle of 100 or more.

Credits

Bonus Credits

Total Credits

Cost Per Credit

Total Cost
60 0 60 $0.33 $19.80
100 5 105 $0.32 $32.00
200 20 220 $0.31 $62.00
500 75 575 $0.29 $145.00
1000 200 1200 $0.27 $270.00
2500 625 3125 $0.24 $600.00
5000 1500 6500 $0.22 $1,100.00
10,000 3500 13,500 $0.20 $2,000.00

 

There is only one type of credit. The amount of credits used per loan depends on the amount of details you're revealing. The maximum amount of credits that can be used per loan is 3. Here are the most common scenarios, and the amount of credits that would be used:

  • Reveal all loan details (Equity Balance, Equity Percentage, Home Value, Interest Rate, Borrower details) = 3 credits

  • Reveal just the interest rate = 1 credit

  • Reveal only the Equity Balance, Equity Percentage, Home Value = 1 credit

  • Reveal only the borrower details = 1 credit

Are there any fields that DO NOT require a credit to be used?

Yes! The following fields are included, and do not require you to use a credit to view them

  • Property address (street, city, zip code, state, county)

  • Borrower Status

  • Mortgage amount

  • Loan type

  • Transaction type

  • Loan to Value (at the time of the loan)

  • Current Loan to Value

  • Loan originator

  • Loan originator employer (at the time of the loan)

  • Loan company

  • Broker name

  • Lender name

  • Transaction date (of mortgage)

  • Sale date (of property)

  • Sale price (of property)

  • Real Estate Agent of Buyer

  • Real Estate Agent of Seller

  • Title Company

🛑 It is important to note that not all fields may be available on all loans. Credits will be deducted only for fields that have been located

🧠 You are not required to reveal ALL loan details to export a loan. You can export any loan as long as at least 1 credit was used to reveal the fields listed above

 

Purchasing credits

1. Click on your credit wallet located on the navigation menu.

2. Click 'Purchase Credits' in the upper right corner of your Credit ledger and select the amount of credits you want to add to your account.

buy-credits

3. Select the payment method that you would like to use and click 'Purchase Credits'

💡 You can manage your payment method, view previous charges, and download receipts on your billing profile.