The mortgage CRM with soft pull credit built in
Soft inquiry. No score impact. Pre-qual only.
Jordan Ellis
Contact, sample data
VantageScore 3.0, Experian
712
No score impact.
Pre-qual only.
Monthly liabilities
- Mortgage$1,850
- Installment$410
- Revolving$220
Income $8,400 / month
Debt-to-income
29.5%
A tri-merge can run $130, and the pull that hurts isn't the one on a loan that funds. It's the one on the buyer who goes quiet after you've done the work.
I ran this process at my own mortgage company for years. Spend $5 to know where someone stands, then spend $20 on the ones who look real. Now it lives inside the CRM.
Christian Mourra, founder of Leaf360, and still a loan officer
How it works
Three steps, all from the borrower's contact.
Order from the contact
Open the borrower's contact in Leaf360 and order a pull. A single-bureau soft pull is 5 credits. A soft tri-merge across all three bureaus is 20. Credits are $1 each.
The borrower verifies through a link
They get a link, enter their own information, confirm it's theirs, and authorize the pull. No SSN over the phone. It's a soft inquiry, so there's no score impact. The portal carries your company's brand, not ours.
The report lands on the contact
Liabilities arrive sorted into mortgage, installment, and revolving. Enter income, include or omit any item, and run DTI on the same screen.
Credit report pricing. $1 = 1 credit.
Buy credits, then spend them on pulls.
Single-bureau soft pull
5 credits
Experian, VantageScore 3.0. No score impact for the borrower.
Soft tri-merge
20 credits
All three bureaus and the full liability list. Still a soft inquiry.
Monthly credit plans
From $100 a month
Credits are 1:1, so $100 buys 100 credits. Or buy credits as you go.
Credits are the unit. $1 is 1 credit. Buy credits, then spend them on pulls. Nothing gets pulled without credits behind it, so there are no surprise charges.
You don't need a paid CRM plan to pull credit. The Leaf360 account is free, it takes no credit card, and you can order reports from it today.
Credit report credits are separate from Ask Lia credits. Ask Lia credits are AI usage inside the product. They can't pull a credit report.
What lands in the CRM
Not a PDF in an inbox. The report becomes part of the contact.
The report on the contact
Score, tradelines, and inquiries sit on the borrower's record, next to their loan and every conversation.
DTI on the same screen
Liabilities sorted as mortgage, installment, and revolving. Income on the same screen, number in seconds.
A borrower portal in your company's brand
The borrower sees your mortgage company, not Leaf360, when they verify and authorize the pull.
Credit Watch
Ongoing monitoring on the clients you choose. 2 credits per client per month.
Questions loan officers ask
No. Both the single-bureau pull and the tri-merge are soft inquiries. A soft inquiry has no impact on the borrower's score, and it isn't tied to a loan application.
Required disclosures
Have your compliance team review the exact wording for your company and state.
- Permissible purpose and consent
- Credit reports are ordered only with the borrower's authorization and for a permissible purpose under the Fair Credit Reporting Act. The borrower authorizes the pull through the verification link, and that authorization is kept with the report.
- Not a commitment to lend
- A soft pull credit report and any DTI figure based on it are for pre-qualification only. They are not a loan approval, a pre-approval, or a commitment to lend. Whether someone qualifies depends on the whole file, including a qualifying credit report at application.
- Score model disclosure
- The score shown is VantageScore 3.0 from Experian. It is not the score model lenders require to qualify a mortgage, and it may differ from other scores the borrower has seen. The model name and the bureau appear on every report.
- Adverse action
- If a loan officer reviews a report and tells a borrower they don't qualify, that conversation can turn a pre-qual into an application under Regulation B, and a written adverse action notice may be required. Talk about what the borrower would need rather than ruling on the file. If you do decline, follow your company's adverse action process.
Look at a real report on a real borrower this afternoon.
Start free, order one report, and decide from there.
Free plan. No credit card. Published pricing.