Birchwood Credit Services Review 2026: Mortgage Credit Provider
Updated February 2026
Overview
Birchwood Credit Services is an established mortgage credit provider that has built a loyal customer base through reliable service and competitive pricing. They focus on the core needs of mortgage brokers and lenders: accurate tri-merge reports, fast rescoring, and responsive customer support.
Best for: Mid-volume brokerages looking for a reliable credit vendor with personalized service and competitive pricing.
Key Features
- ✓Tri-merge credit reports
- ✓Rapid credit rescoring
- ✓LOS integrations
- ✓Fraud detection alerts
- ✓Automated ordering
- ✓Volume pricing tiers
- ✓Compliance reporting
- ✓Dedicated support reps
Pricing
Birchwood offers competitive per-report pricing, typically $18-40 for tri-merge reports. Volume discounts available. Contact for a custom quote based on your monthly volume.
Pros
- +Reliable and consistent service
- +Quick rescoring turnaround
- +Dedicated account representatives
- +Competitive pricing for mid-volume lenders
- +Good fraud detection
Cons
- –Smaller brand recognition than industry leaders
- –Technology could be more modern
- –Limited bundled services compared to Xactus or Informative Research
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Alternatives to Birchwood Credit Services
Xactus (formerly Credit Plus / Avantus)
Mid to large lenders who want a single provider for credit, verifications, flood, and fraud services with enterprise-grade reliability.
CoreLogic Credco
Lenders already in the CoreLogic ecosystem or those who want premium credit reporting backed by extensive property data.
Informative Research
Lenders who want a one-stop shop for credit, flood, and verification services with bundled pricing discounts.
Factual Data (CBC Innovis)
Cost-conscious brokerages and lenders who want reliable credit reporting at the lowest price point.
Universal Credit Services
Brokerages that value personalized service and a direct relationship with their credit vendor over big-company automation.
Certified Credit
Tech-forward lenders who want a modern credit platform with automated workflows and comprehensive bundled services.