I don’t know, but I think the concerns about your credit file getting pulled many times are slightly overblown.

I remember in the course of 1.5 years, I did 3 refinances, 1 HELOC, 1 credit card application, and 1 possible new car purchase (that I ended up cancelling and bought a house instead)…The refinance loans had both a credit file pull at the beginning of the loan application and right before close of escrow (twice). One of those refinances also and to be redone because the lender stopped writing loans.. I think my credit went from 820ish to about 790-800ish, and it didn’t make a difference on the loan rate I got.

The annoying part was I had to pay $30 each time I unlocked my credit file.