SettlementOne Credit Reporting & Data Solutions
Over the past 25 years, SettlementOne Data has built one of the strongest and most experienced management teams in the industry, which has enabled us to become a leader in the mortgage services industry. Specializing in credit, data, and verifications, SettlementOne has become one of the fastest-growing credit-reporting agencies in the country because of its focus on minimizing risk for financial institutions while finding creative processes and products to improve service.
A Culture of People First
We are built on a foundation of “People First.” We understand that it’s not just about another loan application; it’s about someone’s home. Our team excels in taking the lender’s perspective. We pride ourselves on being experts in our field, responsive to your needs, accountable for every detail, and friendly in our approach, making your experience with us both professional and personal.
Best-in-Class Platforms, Products, and Services
Our deep partnerships with leading providers ensure that we’re at the forefront of industry advancements. We’re staunchly provider-agnostic, which means we’re committed to offering you the best-in-class platforms, products, and services, regardless of the source. Your success is our priority, and we’re dedicated to delivering the highest-quality solutions to meet your needs.
Innovative Pricing Models and Tools
Our credit, hybrid, and closed loan bundles are designed to maximize your cost recovery and minimize out-of-pocket expense. We tailor each bundle to meet our client’s specific needs. We also provide a user-friendly tool that gives you a real-time view of your credit, data, and verification costs per loan. We take a flexible, client-centric approach that reflects our commitment to you.
News &
Announcements
Credit Score Modernization Is Happening – Implementation Is Going to Take Longer
On April 22, FHFA announced an interim phase in which approved lenders may choose either Classic FICO or VantageScore 4.0 for loans sold to the Enterprises. Freddie Mac also confirmed that approved sellers can use VantageScore 4.0 through a limited rollout, while others continue using Classic FICO.
We’re with you throughout the mortgage life-cycle.
We offer an extensive suite of customized products and services which are tightly integrated with leading Point-of-Sale, Loan Origination, and Post-Close/QC systems, and tailored to your unique requirements and workflow.
Keep Every Loan Moving Forward
SettlementOne empowers lenders with trusted credit and verification solutions that simplify workflows and reduce borrower risk so you can focus on closing with confidence.