Company lists · Data refreshed September 2026

Top 25 Credit decision software companies based in the United States

RevenueBase identified 146 credit decision software companies headquartered in the United States as of September 2026 and tracks 9,288 professional contacts across them, including 3,852 with verified work emails. New York is the largest hub.

This list covers credit decision software companies headquartered in the United States, matched on what each company actually does as described in its own words. Ranked by team size, largest first. Every row shows the company's own description, its RevenueBase Smart Search rating, and when it was last checked. Data refreshed September 27, 2026.

Published by RevenueBase, a B2B data infrastructure company. This list was built with RevenueBase Smart Search, the natural-language company search RevenueBase customers use to build their own targeted lists and unlock verified emails and direct dials at the companies on them. How these lists are built and judged.

How to read this list HQ checked on every row RevenueBase Smart Search rating on every row Refreshed Sep 27, 2026 86% judged on-target in blind review
146Companies
9,288Contacts tracked
3,852Verified emails
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The 25 largest credit decision software companies based in the United States

Ranked by team size
Top 25 of 146 credit decision software companies based in the United States, ranked by team size, largest first. Data refreshed Sep 27, 2026. RevenueBase Smart Search rates how each company's information relates to credit decision software companies: strong evidence (its own description names it), partial (names part of it), indirect (matched on the rest of its profile rather than the description shown). Click a contact count to view that company's people.
#CompanyRevenueBase Smart SearchHeadquartersEmployeesContacts
1Partial evidenceBozeman, MT, United StatesHQ checked Sep 27, 20261,001-5,0005,069 contacts →

Partial evidence

“FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper.”

Source: RevenueBase Database · checked Sep 27, 2026
2Partial evidenceRaleigh, NC, United StatesHQ checked Sep 27, 2026501-1,000628 contacts →

Partial evidence

“Abrigo provides market-leading compliance, credit risk, and lending solutions to enable its customers to think bigger, allowing them to both manage risk and drive growth.”

Source: RevenueBase Database · checked Sep 27, 2026
3Partial evidenceFairfax, VA, United StatesHQ checked Sep 27, 2026201-500341 contacts →

Partial evidence

“We’re transforming the world of credit risk management.”

Source: RevenueBase Database · checked Sep 27, 2026
4Indirect evidenceBurbank, CA, United StatesHQ checked Sep 27, 202651-200213 contacts →

Indirect evidence

“Since 2009, Zest AI has been innovating and perfecting AI technology with a mission to broaden access to lending using smarter, more efficient AI.”

Source: RevenueBase Database · checked Sep 27, 2026
5Strong evidenceDallas, TX, United StatesHQ checked Sep 27, 2026201-500192 contacts →

Strong evidence

“GDS Link is a globally recognized leader in credit risk management, providing cutting-edge risk decisioning solutions and data analytics.”

Source: RevenueBase Database · checked Sep 27, 2026
6Strong evidenceNew York, NY, United StatesHQ checked Sep 27, 202651-200173 contacts →

Strong evidence

“Founded in 2014, Scienaptic AI was built with the mission to drive financial inclusion at scale through AI-driven credit decisioning.”

Source: RevenueBase Database · checked Sep 27, 2026
7Indirect evidenceArlington, VA, United StatesHQ checked Sep 27, 202651-200146 contacts →

Indirect evidence

“RiskSpan uncovers insights and mitigates risk for mortgage loans and structured products.”

Source: RevenueBase Database · checked Sep 27, 2026
8Partial evidenceSan Francisco, CA, United StatesHQ checked Sep 27, 202651-200113 contacts →

Partial evidence

“Nova Credit is a credit infrastructure and analytics company that enables businesses to grow responsibly through alternative credit data.”

Source: RevenueBase Database · checked Sep 27, 2026
9Partial evidenceSalisbury, MD, United StatesHQ checked Sep 27, 2026201-500107 contacts →

Partial evidence

“Credit Plus is now Xactus.”

Source: RevenueBase Database · checked Sep 27, 2026
10Partial evidenceNew York City, NY, United StatesHQ checked Sep 27, 202611-50100 contacts →

Partial evidence

“ONCI is a purpose-built commercial credit analysis platform that helps credit teams transform fragmented borrower data into strategic action and forward-looking control – giving…”

Source: RevenueBase Database · checked Sep 27, 2026
11Indirect evidenceIrving, TX, United StatesHQ checked Sep 27, 202651-20099 contacts →

Indirect evidence

“Rocktop Technologies is a full-service suite of financial technology applications driven by A.I.”

Source: RevenueBase Database · checked Sep 27, 2026
12Indirect evidenceWinterville, NC, United StatesHQ checked Sep 27, 202651-20078 contacts →

Indirect evidence

“ONLINE Information Services, Inc.”

Source: RevenueBase Database · checked Sep 27, 2026
13Indirect evidenceAddison, TX, United StatesHQ checked Sep 27, 2026201-50075 contacts →

Indirect evidence

“More and more consumers are choosing the ease and convenience of online lending.”

Source: RevenueBase Database · checked Sep 27, 2026
14Indirect evidenceIrving, TX, United StatesHQ checked Sep 27, 202651-20074 contacts →

Indirect evidence

“TF Holdings, Inc.”

Source: RevenueBase Database · checked Sep 27, 2026
15Strong evidenceSan Francisco, CA, United StatesHQ checked Sep 27, 202651-20070 contacts →

Strong evidence

“CRS is the independent data infrastructure platform powering modern credit decisioning.”

Source: RevenueBase Database · checked Sep 27, 2026
16Partial evidenceBaltimore, MD, United StatesHQ checked Sep 27, 202611-5059 contacts →

Partial evidence

“CreditXpert, the predictive credit score insight platform, helps mortgage lenders leverage credit to extend better, more compelling financing options to every applicant.”

Source: RevenueBase Database · checked Sep 27, 2026
17Indirect evidenceWinter Park, FL, United StatesHQ checked Sep 27, 202651-20057 contacts →

Indirect evidence

“Worth AI is a minority-founded SaaS platform powering inclusive financial underwriting through AI.”

Source: RevenueBase Database · checked Sep 27, 2026
18Indirect evidenceWashington, DC, United StatesHQ checked Sep 27, 202651-20057 contacts →

Indirect evidence

“TrustEngine is a leading incubator of mortgage technology solutions built to establish trust and lift conversions throughout the lending process.”

Source: RevenueBase Database · checked Sep 27, 2026
19Partial evidenceChicago, IL, United StatesHQ checked Sep 27, 202651-20050 contacts →

Partial evidence

“We empower consumers with better online credit solutions.”

Source: RevenueBase Database · checked Sep 27, 2026
20Strong evidenceChicago, IL, United StatesHQ checked Sep 27, 202611-5045 contacts →

Strong evidence

“We help financial institutions make faster, smarter credit decisions by turning raw bank transaction data into actionable insights.”

Source: RevenueBase Database · checked Sep 27, 2026
21Partial evidenceSan Francisco, DC, United StatesHQ checked Sep 27, 202611-5044 contacts →

Partial evidence

“VantageScore empowers financial institutions to make smarter lending decisions.”

Source: RevenueBase Database · checked Sep 27, 2026
22Partial evidenceSan Diego, CA, United StatesHQ checked Sep 27, 202611-5040 contacts →

Partial evidence

“5th Street Capital was founded on the premise of thinking outside the box for evaluating credit risk.”

Source: RevenueBase Database · checked Sep 27, 2026
23Partial evidenceChicago, IL, United StatesHQ checked Sep 27, 202611-5039 contacts →

Partial evidence

“Bloom Credit helps companies launch lending products, report consumers' payments, and create innovative credit experiences.”

Source: RevenueBase Database · checked Sep 27, 2026
24Indirect evidenceSan Diego, CA, United StatesHQ checked Sep 27, 202651-20038 contacts →

Indirect evidence

“Point Predictive is an Ai technology company with deep expertise in building machine learning scoring models that have been widely deployed by banks and lenders.”

Source: RevenueBase Database · checked Sep 27, 2026
25Strong evidenceMiami, FL, United StatesHQ checked Sep 27, 202611-5032 contacts →

Strong evidence

“QUASH is a No-Code GenAI Credit Risk Decisioning Platform that unifies Alternative Data, ML models and workflows to power your Financial Institution.”

Source: RevenueBase Database · checked Sep 27, 2026

Showing 25 of 146 credit decision software companies based in the United States

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Credit decision software companies based in the United States at a glance

As of Sep 27, 2026
41.5%Verified-email coverage
63.6Average contacts per company
11-50Median size (employees)
10.3%Largest-city concentration · New York
Sep 27, 2026Page data refreshed

Companies by employee count

1-10
44
11-50
63
51-200
24
201-500
10
501-1,000
2
1,001-5,000
2

Email recency for this list is measured worldwide rather than for United States, so it is reported there. Company counts and contact totals on this page are exact for United States, over 146 companies.

How this list was built

Company categories are rarely black and white. RevenueBase reads each company's own description of its business to decide whether it belongs among credit decision software companies, so some rows will be adjacent to the category rather than pure plays. The description and RevenueBase Smart Search rating on every row are there so you can check each match yourself.

Source
The RevenueBase company graph: 60 million companies and 398.9 million professional contacts resolved from primary sources, queried with RevenueBase Smart Search, the natural-language company search available to every RevenueBase user.
What qualifies
Companies headquartered in the United States whose own description of what they do matches “credit decision software companies”. Matching reads each company's description, not its industry code or its name.
RevenueBase Smart Search
RevenueBase Smart Search is how this list is assembled and how each row is rated. RevenueBase's data engine and AI assess a company's LinkedIn profile, information supplied directly by the company, its website and other publicly available information, then relate it to a category defined in a user's own words. Each row is rated strong evidence (its own description names credit decision software companies), partial evidence (it names part of the category) or indirect evidence (the description shown names none of it and the match rests on the rest of the company's profile). The description supporting each rating is quoted on the row.
What we exclude
Companies whose own description does not clearly place them among credit decision software companies, and records with no verified work email. Companies headquartered outside United States are excluded even when they keep an office there.
Match quality
In blind human judging of this matching method, 86% of matched companies were on target. Expect roughly 1 in 7 rows to be adjacent to the category rather than a pure play. Every row shows the company's own description and its RevenueBase Smart Search rating so you can judge each match yourself. Read the full methodology: how the lists are built, how the judging worked, and what the figure means.
Ranking
Team size, largest first: companies are ordered by the number of professionals RevenueBase tracks at each one. Employee ranges shown are reported bands, for context.
Verification
Every listed company carries at least one verified work email, 3,852 across the full list. Contacts re-verify on a rolling cadence, and each contact's own verification date is shown inside RevenueBase.
Refresh
This page's figures were pulled from the company graph on September 27, 2026. Lists refresh periodically as the graph is re-checked.
Corrections
Wrong category, wrong headquarters, or a company that has closed? Use “Report an issue” on any row. Reports go to the RevenueBase Data Team and feed back into the company graph.

Frequently asked

What is RevenueBase Smart Search?

RevenueBase Smart Search is how RevenueBase decides which companies belong on this list and how strongly each one fits. Its data engine and AI assess a company's LinkedIn profile, information supplied directly by the company, its website and other publicly available information, then relate it to the category the list is about. Each row is rated strong evidence when the company's own description names credit decision software companies, partial evidence when it names part of the category, and indirect evidence when the description shown names none of it and the match rests on the rest of the company's profile.

How many credit decision software companies are there based in the United States?

RevenueBase identified 146 credit decision software companies headquartered in the United States as of September 2026, matched on each company's own description of what it does rather than its industry code.

What is the largest company on this list?

FICO, headquartered in Bozeman, tops this list with the largest team on record.

Which city has the most credit decision software companies?

New York leads with 15 headquartered companies, followed by San Francisco (13) and Chicago (6).

How do I get contact information for these companies?

A free RevenueBase account lets you run this exact search and work the top results, verified emails and direct dials included. Upgrading unlocks all 3,852 verified decision-maker contacts tracked across these 146 companies.

How current is this list?

The list refreshes periodically as the company graph is re-checked. This page's figures were pulled on September 27, 2026.

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About this data

RevenueBase is a B2B data infrastructure company. Its company graph covers 60 million companies and 398.9 million professional contacts, with emails verified on a rolling cadence rather than scraped once and left to decay. These company lists are generated directly from that graph with RevenueBase Smart Search, the same natural-language company search every RevenueBase user has: describe a market in plain words, get the companies that match, and add verified emails and direct dials for the people at them. It is the same data that powers RevenueBase's B2B data products, and a free account includes 500 credits to start. How these lists are built and judged.