---
title: "FunnelFi vs. iSoftPull: Verdict + Program Match vs. Raw Tri-Bureau Report (2026) | FunnelFi"
url: https://funnelfi.ai/compare/funnelfi-vs-isoftpull
description: "iSoftPull returns a full tri-bureau credit report from name + address, from $99/mo. FunnelFi returns a Qualified/DNQ verdict with loan program matching from name/phone/email, from $12/run or $499/mo."
lang: en
---

← All comparisons (https://funnelfi.ai/compare)

Named competitor

# FunnelFi vs. iSoftPull: Verdict + Program Match vs. Raw Tri-Bureau Report (2026)

Quick answer

iSoftPull needs a name + address and returns a full raw tri-bureau credit report (~10 seconds), starting at $99/mo with per-bureau pricing (~$11.52 tri-merge). FunnelFi needs name/phone/email, no address, and returns a Qualified/DNQ verdict with FICO, DTI, and loan program matching in under 3 seconds, at $12/run PAYG or $499/mo. Different funnel positions: iSoftPull works best after address is captured; FunnelFi qualifies raw marketing leads.

FunnelFi is best for

Lenders and ISOs qualifying raw marketing leads (web forms, paid ads, referrals) before first contact, and lead agencies delivering Verified Files.

iSoftPull is best for

Traditional lenders whose borrowers have already provided address, and teams that want raw tri-bureau data with all FICO models plus fraud/identity risk add-ons.

## Side-by-side comparison

| Criterion | FunnelFi | iSoftPull |
| --- | --- | --- |
| Input required | Name + phone + email · no address · no SSN | Name + address + consent · no phone/email · no SSN |
| Time to verdict | Under 3 seconds | ~10 seconds |
| SSN required | No | No (soft) · Yes for hard pull |
| Data returned | Qualified/DNQ + FICO + DTI + program match + full report | Full tri-bureau report, all FICO models, tradelines, collections, inquiries, derogs |
| Program matching | Yes, automated across every program | No, raw data, lender interprets |
| Customizable Pre-Qualification Forms | Yes | No |
| Customizable Pre-Qualification Website | Yes | No |
| CRM integrations | HubSpot, GHL, Salesforce, Zapier, Make, n8n + more | REST API for any CRM/LOS + embeddable web form |
| Pricing model | $12/run (Business/Mortgage) · $5/run (Agency) · no platform fee | $99/mo entry · $3.84/bureau/pull (~$11.52 tri-merge) |
| Implementation time | Same day via named integrations | Same day via API or embed form |
| Best for | Raw-lead qualification with pre-built verdict + program match + Verified File | Post-intake full report with all FICO models, fraud alerts, and hard pull support |

**How we compared:** Based on iSoftPull's public site (go.isoftpull.com) and FunnelFi's published pricing as of July 2026. Verify iSoftPull's current features and pricing on their site (https://go.isoftpull.com/).

## Which is right for you?

Pick FunnelFi if…

- • Leads arrive with name/phone/email only, no address at first contact.
- • You want a binary verdict + program match without building your own decisioning.
- • Speed matters, sub-3-second results during live form submission or calls.
- • You run a lead agency delivering FunnelFi Verified Files to lender clients.

Pick iSoftPull if…

- • Your borrowers have already provided a home address during intake.
- • You need specific FICO mortgage models (2/4/5) for GSE, FHA, or VA underwriting.
- • Fraud detection (86+ alerts, PATRIOT Act) is a hard requirement in the pull.
- • You need hard pull support from the same vendor as your soft pull.

## iSoftPull vs. FunnelFi, FAQ

iSoftPull vs FunnelFi, what's the biggest difference?

Input and output. iSoftPull requires name + address and returns a full raw credit report. FunnelFi requires name/phone/email (no address) and returns a Qualified/DNQ verdict with program matching. That makes FunnelFi usable earlier in the funnel.

Does iSoftPull require an address?

Yes. iSoftPull needs a name and address for identity match; phone and email are not required. FunnelFi requires no address.

Which is better for mortgage lenders?

Both, at different stages. FunnelFi pre-qualifies raw leads before your LO's first call. iSoftPull is a fit once you've captured address and want the full tri-bureau report with all FICO mortgage models.

How does per-run cost compare?

FunnelFi Business Funding PAYG is $12/run and includes the verdict + program match. iSoftPull tri-merge runs about $11.52/pull with volume discounts available.

How fast is each?

FunnelFi returns a verdict in under 3 seconds. iSoftPull averages ~10 seconds for a full report. For live routing during form submit or calls, sub-3-second results are a materially better experience.

Does iSoftPull have fraud detection?

Yes, its Identity Risk Suite adds 86+ fraud alerts (synthetic, true-name, hot address, deceased SSN) and is PATRIOT Act Red Flag compliant. FunnelFi does not currently ship equivalent fraud alerts.

Does FunnelFi support hard pulls?

No, FunnelFi is soft pull only, designed as the pre-qualification layer before the hard-pull stage. iSoftPull supports both soft and hard pulls through the same platform.

Can I use both together?

Yes. A common pattern is FunnelFi for pre-pipeline qualification (name/phone/email) and iSoftPull once address is captured for the full report and hard pull.

## Ready to see the verdict for yourself?

Schedule a 30-minute demo, we'll qualify your last 100 leads live.

Schedule Demo: https://funnelfi.ai/schedule-call

See pricing: https://funnelfi.ai/pricing

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