CTI SmartPay
Stop Paying for Credit Reports.
CTI SmartPay is borrower-paid credit report ordering from Credit Technologies. Each loan officer gets a unique link. The borrower e-signs authorization, pays for their own report, and the file lands in your LOS in seconds. For many shops, that takes the credit line off the P&L entirely.
- $0 lender cost, on initial pulls and repulls
- E-signed consent on every file
- Required disclosures handled automatically
- Works with SoftQualify℠ soft pulls
A lead engine, not a payment page
Turn credit into referrals.
Your SmartPay link is not just a payment page. It is a lead engine. Realtors share it at open houses and listings, and buyers pre-qualify on the spot. Loan officers hand it out at first-time homebuyer seminars, and attendees become files before they leave the room. Every completed order sends the loan officer instant confirmation with the report ready to import, and the referral partner attached to the lead. Prospects qualify themselves, and you spend your time on borrowers who already committed.
Credit Technologies built the original borrower-paid referral process for mortgage lending. CTI SmartPay is that system, refined for the way you lend today.
The cost problem
Credit costs are climbing. Your P&L does not have to absorb them.
Credit report and credit score costs have risen repeatedly in recent years, and 2026 has brought more of the same, including a mid-cycle increase that hit both credit reporting and credit scoring. The Mortgage Bankers Association has warned that credit costs could climb 40% to 50% on average in 2026.
The increase lands harder than the headline number suggests, because credit is pulled multiple times on a single file, typically three times for one applicant and six times for a joint application, with re-pulls when a file ages past 120 days. Every increase multiplies across those pulls.
On one file the cost looks small. Across a year of originations, including every application that never closes, it becomes a real and growing line on the lender’s P&L, and the files that fall out are pure cost with no revenue to offset them. CTI SmartPay is built to relieve that pressure: the borrower pays for their own report, so the credit line comes off your books.
See what borrower-paid ordering does to your numbers. The two-minute Profit Simulator prices your reports and shows your return on every credit dollar you spend.
How it works
Three steps, from link to loan file.
Here is how CTI SmartPay works on your files.
Get your links
In a few minutes, each loan officer creates a unique SmartPay link, one for a hard pull and one for a soft pull. Share it with a borrower or a referral partner by text or email.
The borrower orders
The borrower enters their information, e-signs authorization for the pull, and pays for their own report at your exact price, with no markup.
You process
Payment clears, you are notified, and the completed report lands in your LOS in seconds, ready to import and process.
The borrower experience
What your borrower sees.
From the link to the confirmation, CTI SmartPay keeps the borrower in one clean, guided flow that takes about five minutes.
Why lenders use it
Four ways CTI SmartPay pays off.
Protect your bottom line
The borrower pays for their own report at your exact price, so there is $0 lender cost on initial pulls and repulls. For many shops, that takes the credit line off the P&L entirely.
Arm your referral partners
Your SmartPay link works as a lead engine. Realtors and referral partners share it at open houses and seminars, buyers pre-qualify on the spot, and every completed order comes back with the referral partner attached to the lead.
Compliance at both ends
SmartPay captures an e-signed permissible-purpose authorization the borrower can download, and it presents the required consumer score disclosures automatically on every hard pull.
Borrowers see their real scores
Your applicants get the actual FICO® scores, the exact models their lender uses to price the rate and close the loan. FICO® Score Potential is also available, instantly showing them where they can improve their score, and with it their rate and terms, on their own.
FAQ
CTI SmartPay questions, answered
What is CTI SmartPay?
CTI SmartPay is borrower-paid credit report ordering from Credit Technologies. Each loan officer creates a unique, secure link in a few minutes and shares it with a borrower or a referral partner, who e-signs authorization and pays for the report before it is pulled. The completed report lands in the lender’s LOS in seconds, ready to import.
Who pays for the credit report with SmartPay?
The borrower pays for their own report, at the lender’s exact price with no markup. If the report costs $100, the borrower pays $100. That means $0 lender cost on initial pulls and repulls, so the credit line can come off the lender’s P&L.
Can a borrower start with a cheaper soft pull?
Yes. The borrower can start with SmartPay’s soft-pull link and pay for a SoftQualify soft-pull pre-qualification, which costs up to 70% less than a tri-merge and has no impact on FICO scores. A soft pull is for pre-qualification and cannot be used to close the loan, so when the borrower moves forward, the hard-pull link orders the full tri-merge, a fee typically collected at closing.
How does SmartPay handle consent and permissible purpose before the pull?
Before the credit is pulled, the borrower e-signs a permissible-purpose authorization that is captured directly in the flow and documented on the file, and the borrower can download a copy. Optional identity verification through Experian Precise ID can be added to help guard against fraudulent orders.
Does SmartPay deliver the required consumer disclosures?
Yes. SmartPay presents the required consumer score disclosure notice on all hard pulls, which gives the consumer their credit scores and the key score factors, satisfying that requirement automatically on every file. We will continue to mail disclosures to your borrowers in accordance with FCRA requirements if you have this service enabled.
Does the borrower see the real FICO scores used to underwrite?
Yes. Your applicants are provided the actual FICO® scores, the exact models used by their lender to price the rate and close the loan. The free and app-based scores most consumers see use different models, so the scores that decide a mortgage are rarely the same scores a borrower has already seen. FICO® Score Potential is also available, instantly identifying opportunities for them to improve their score, and with it their rate and terms, on their own. Note: You cannot use a SoftQualify℠ report to close the loan.
How fast does the report come back?
As soon as the borrower’s payment clears, the loan officer is notified and the completed report is available to import into the LOS within seconds.
Get started
Ready to put CTI SmartPay to work?
Request SmartPay for your team and we will get you set up. Prefer to talk it through? Call us at 800.445.4922, option 1, Monday to Friday, 8:30 AM to 8 PM ET.