CT Signature for lending

E-signature for mortgage and loan documents.

Loan applications, initial disclosures, closing packages, amendments — sent for signature, signed on any device, returned with a tamper-evident audit trail. Pay-as-you-go pricing means a small brokerage and a regional lender each pay for what they send, not per-seat tolls.

Get early access What's included

Mobile-first: Borrower signs on the device they have
Templates: Standard packets, ready to send
ESIGN/UETA: Legally binding for lending docs

What lenders send

Every doc in the loan lifecycle

From initial application through closing, electronic signature flows fit the documents lending actually moves.

Loan applications and initial disclosures
Borrower's authorizations (verification of employment, etc.)
Loan estimate and closing disclosure acknowledgements
Modification agreements and amendments
Investor delivery packages

ESIGN/UETA

Federal + state law

Audit trail

Tamper-evident PDFs

Mobile-first

Borrower signs anywhere

Pay-per-envelope

No per-seat pricing

Why this matters

Lending paperwork moves at the speed of the slowest signature in the chain.

A loan application has dozens of documents that need signatures from the borrower, sometimes a co-borrower, the loan officer, and (at closing) the title company. The traditional path is overnight envelopes, faxed PDFs, or vendor portals that require borrowers to set up an account and remember a password they'll use exactly once. Each handoff adds days. Closings get pushed because the borrower 'didn't get the email' or 'couldn't figure out the portal.'

CT Signature collapses that. The loan officer sends a packet from a template; the borrower signs on their phone in the time it takes to read each document; the audit trail and tamper-evident PDF return to the loan file automatically. No portals, no account creation, no overnight mail. Initial disclosures that used to take three days to come back arrive the same day.

For brokerages and small lenders, pay-as-you-go pricing matters. A 5-loan-officer brokerage closing 12 loans a month and a 50-officer regional lender closing 200 a month each pay for the envelopes they actually send. There's no per-seat tax for adding a junior LO or a part-time processor. The pricing scales with volume, not org chart.

What lenders gain

Mobile-first signing — borrower signs on their phone the moment they get the link
Reusable templates — standard initial disclosure packet, ready to send
Multi-signer routing — borrower, co-borrower, LO countersigns
Audit trail — defensible if a signature is ever challenged
Pay-per-envelope — no per-seat tolls

Capabilities for lending

What the platform delivers for lenders.

Reusable templates for loan packets

Build your standard initial disclosure packet once as a template. Every future loan application is a 30-second send instead of 30 minutes of document assembly. Variants for different loan types (purchase, refi, HELOC) are template forks.

Mobile-first signing for borrowers

Borrowers sign on their phone, in the moment, without downloading an app or creating an account. The signing experience is identical to what they'd get from a major lender's portal — just faster and without the password-reset cycle.

Multi-signer routing

Borrower signs first, then co-borrower, then loan officer countersigns — sequential. Or send to both borrowers in parallel for joint acknowledgements. Each signer sees only their assigned fields. The next signer is auto-notified.

Tamper-evident PDFs with audit trail

Every signed loan document has a cryptographically signed PDF and an audit certificate showing every action: viewed, signed, IP, device fingerprint, timestamps. The evidence package examiners and auditors expect for lending compliance.

ESIGN / UETA compliance built in

Loan documents signed electronically hold up under federal and state e-signature law for the document categories these laws cover. Consent disclosure, identity capture, and intent-to-sign tracking happen automatically — the legal foundation is solid.

Pay-as-you-go pricing for any volume

Subscription tiers cover capabilities (templates, multi-signer, audit trail, white-labeling); volume scales with envelope count. A small brokerage and a regional lender each pay for what they send. Adding a loan officer doesn't trigger a tier upgrade.

What it looks like in practice

A few ways teams use this.

Initial disclosures within 3 days of application

Borrower applies for a mortgage Monday morning. Initial disclosure packet sent from a template Monday afternoon. Borrower signs from their kitchen Monday night. Tuesday morning the loan file has signed initial disclosures — well inside the regulatory window. The handoff that used to risk regulatory deadlines is now well-buffered.

Co-borrower signing remotely

A loan has two borrowers in different cities. Sequential routing: primary borrower signs first in their city, co-borrower receives the link after primary completes, signs in their city, package returns to the loan officer countersigned. The geography that used to mean overnight mail or two separate trips becomes a non-issue.

Last-minute closing amendment

Day before closing, title company surfaces an amendment that needs borrower acknowledgement. Loan officer sends the amendment via CT Signature; borrower signs on their phone in the parking lot of their lunch meeting. The closing happens on schedule instead of being pushed.

Frequently asked

Common lending questions.

Are electronic signatures legally binding for mortgage and loan documents?

Yes, for the categories of lending documents covered by ESIGN and UETA — loan applications, initial disclosures, modifications, payoff statements, etc. Some specific document types (notarized closing documents, certain title-related documents) have state-specific requirements that may require traditional ink-and-notary; CT Signature handles the document categories where electronic signature is permitted, and most document categories are. Consult state-specific guidance for closing-table requirements.

Does CT Signature support remote online notarization (RON)?

RON is on the roadmap based on customer demand. The current platform handles non-notarized lending documents (initial disclosures, applications, modifications, etc.) which is the volume of e-signature most lending operations need. RON capability for closing documents is a separate workflow being evaluated.

Can borrowers sign on their phone without creating an account?

Yes. Borrowers receive a secure email link, click to open the document, sign on whatever device they have. No download, no account, no portal password to remember. The signed PDF and audit trail return to the loan officer automatically.

How does the platform handle the high document count in lending?

Loan packets often have 30-50 pages across multiple documents. CT Signature handles multi-document packets — the borrower signs in one continuous session that covers the full packet. Templates handle the document assembly so sending the packet is fast even with many documents.

What about state-specific lending document requirements?

Per-template configuration handles state-specific document variations — different state-specific disclosures attached to the standard packet based on borrower's state. The template approach scales to handle state-specific requirements without rebuilding from scratch for each state.

How does pricing work for a small brokerage?

Subscription tiers plus pay-as-you-go pricing. A 5-officer brokerage pays for the envelopes they send, not per-seat tolls. Self-serve onboarding means there's no enterprise sales call required to get started. Most small brokerages are sending their first loan packet within hours of signing up.

Close loans without chasing signatures.

Get on the early-access list and we'll set up your team with your standard initial disclosure packet pre-loaded as a template.

Request early access Back to CT Signature