Now Serving Mortgage Professionals

Credit reports that cost less
and deliver more

Tri-merge credit reports and FICO scores for mortgage lenders and brokers. Faster delivery, lower pricing, and a compliance-first workflow built for today's regulatory landscape.

Request a Demo → View Pricing
Tri-Merge Report Delivered
742
Representative FICO Score
Equifax
738
Experian
745
TransUnion
742
Pull Type Hard Pull
Delivery < 15 sec
Format MISMO 3.4
Trusted by mortgage professionals nationwide
Why Summit

Everything your brokerage needs from a credit vendor

Legacy credit vendors charge premium prices for commodity data. We deliver the same reports at a fraction of the cost, with modern workflows your team will actually enjoy.

Lower cost per pull

Direct bureau relationships and FICO Direct licensing mean we pass volume savings to you. No hidden fees, no per-seat charges.

Soft-pull first workflow

Pre-qualify borrowers without triggering inquiry-based leads. Protect your clients from unwanted solicitations that follow hard pulls.

Seamless LOS integration

Works with ARIVE and other mortgage platforms. Order credit, receive reports, and push data directly into your loan pipeline.

Pricing

Simple, transparent pricing

No setup fees, no monthly minimums, no per-seat charges. Just pay per pull.

Soft Pull
$75
per report
  • Tri-merge soft inquiry
  • All 3 bureau scores
  • No trigger leads generated
  • Pre-qualification ready
  • MISMO 3.4 format
Get Started
Most Popular
Hard Pull
$150
per report
  • Full tri-merge credit report
  • All 3 bureau FICO scores
  • AUS-ready formatting
  • Liability data included
  • Refresh and re-issue support
Get Started
Homebuyers Privacy Protection Act
The trigger leads ban is now law. Mortgage inquiries can no longer be sold to competing lenders. Your workflow needs to reflect this new reality.
March 2026 - Enacted
Trigger leads ban takes effect nationwide
Your advantage
Soft-pull workflow keeps you compliant from day one
Compliance

Stay ahead of the regulatory curve

The mortgage industry's compliance landscape is shifting. Summit's architecture was designed for this moment.

  • Soft-pull pre-qualification prevents triggering inquiry-based leads entirely
  • Full FCRA compliance with audit-ready documentation on every pull
  • MISMO 3.4 formatted reports for seamless AUS submission
  • Borrower consent workflows built into the ordering process
  • Hard pull only when you're ready to formally originate
How It Works

From signup to first pull in 24 hours

No lengthy onboarding, no complex integrations, no waiting weeks for credentials.

1

Create your account

Complete our streamlined application. We verify your credentials and permissible purpose within one business day.

2

Connect your LOS

Enter your Summit credentials in ARIVE or your preferred platform. We handle the technical integration.

3

Pull credit

Order tri-merge reports directly from your LOS. Results delivered in seconds, formatted and ready for underwriting.

Ready to cut your credit costs?

Get in touch and we'll have you pulling credit within 24 hours. No setup fees, no commitments.