SmartFees™
Guaranteed fees for loan estimates
Eliminate closing fee errors with guaranteed data
Managing loan files in a volatile regulatory environment demands absolute precision. SmartFees replaces guess-work with an automated, single-click engine that delivers guaranteed rates and closing costs in under a minute. Backed by an in-house verification team covering over 3,000 counties, this solution integrates directly into every major loan origination software to eliminate manual data entry, prevent tolerance cures, and protect your profit margins.


Automated accuracy in every loan
SmartFees operates silently in the background, utilizing advanced calculations and direct network integrations to transform error-prone manual fee workflows into a reliable, automated pipeline.

Guaranteed regional closing costs
Instantly retrieves accurate title, settlement, and recording fees mapped directly to over 3,000 US counties.
Smart logic fee calculation
Automatically applies complex regional rules to calculate transfer taxes and recording fees in real time.
Custom provider allocation
Define and store preferred provider rules to automate fee distribution based on seller or buyer responsibility.
Connected partner directory
Direct API integration links your platform to over 12,000 active title and settlement service providers instantly.

Guaranteed regional closing costs
Instantly retrieves accurate title, settlement, and recording fees mapped directly to over 3,000 US counties.
Smart logic fee calculation
Automatically applies complex regional rules to calculate transfer taxes and recording fees in real time.
Custom provider allocation
Define and store preferred provider rules to automate fee distribution based on seller or buyer responsibility.
Connected partner directory
Direct API integration links your platform to over 12,000 active title and settlement service providers instantly.
FAQ
Why should I get SmartFees?
SmartFees helps you save time, reduce risk, and deliver a better user experience by automating the way closing costs are calculated and disclosed. Instead of manually collecting fees from multiple sources, SmartFees gives you access to accurate estimates for nearly all borrower-paid fees at once, including lender origination fees, title, settlement, appraisal, inspections, recording fees, transfer taxes, and property taxes, all delivered instantly to your LOS or POS platform. Our team works closely with each lender to configure SmartFees based on your specific loan products, geographies, and pricing rules. That means your fees are tailored to reflect your unique processes, investor requirements, and preferred providers, promoting consistency, accuracy and speed throughout your disclosure workflow.
How does SmartFees promote fee accuracy and protect against tolerance violations?
SmartFees guarantees the accuracy of closing costs based on fee schedules submitted by over 12,000 service providers or programmed directly by the lender. These fee schedules are then reviewed by our team of experts to ensure nothing is missing and that fees are programmed to account for all applicable file nuances. In addition, SmartFees offers industry-leading accuracy for recording fees and transfer taxes, powered by Cotality's proprietary database and a dedicated team that actively researches and maintains fee data across more than 3,000 counties and jurisdictions. This comprehensive approach helps you reduce the risk of costly tolerance violations and providing reliable, compliant fee disclosures from the start.
What LOS/POS platforms is SmartFees integrated with?
SmartFees is integrated with major loan origination and point-of-sale platforms, including ICE Encompass®, Empower®, Blue Sage®, Blend®, and several others. These integrations allow SmartFees to pull in key loan file data automatically and return accurate, real-time fee estimates directly into your workflow. We also offer flexible implementation options, from standard plug-and-play integrations to custom API-based setups, so SmartFees fits smoothly into your existing tech stack.
How can we help you?
Let's get this conversation started! Our team is here to provide you with more information and answer any questions you may have.
Trying to reach us by phone?
Get in touch with our sales team at (866) 774-3282. We're here Monday to Friday from 7 a.m. to 5 p.m. CT.
Looking for support?
Visit our dedicated support page to find support for all our products.
Data verified by an independent MarketWise Advisors, LLC survey of 115 leading lenders.