Tech-driven solutions and customer service supported, S1 is ready to support your business decisions.


Free up monthly processors' time to focus on more loan volume .

Delegate time-consuming ancillary tasks to us! Only pay for what you need . No setup  fees. No minimums.


Onshore fulfilment of services

with unparalleled customer service.

Our experts review areas that could improve credit scores, maintain compliance and get your loans closed faster.


Combined years of experience in credit reporting & verification services.

We continue to build on our standing reputation as a production and risk mitigation partner for clients.

We know that mitigating the risk of a consumer’s ability to pay their loan is imperative in today’s economy. SERVICE 1st provides cost-effective solutions for loan origination such as merged credit reporting, lead generation tools, prequalification solutions, verifications, and flood determination reports.

* Contact us for product pricing and bundled savings.

+ Credit Reports

+ SMART SELECT CASCADING CREDIT REPORTS Interested in reducing costs associated with application fallout? Consider enabling Service 1st’s SmartSelect feature. SmartSelect reduces unnecessary costs by cascading credit files through a rules engine you configure. As each report is retrieved, it is reviewed. If an attribute or score fails to meet a configured standard, such as a bankruptcy or frozen credit file, the consumer’s credit report halts further upgrades from progressing. SmartSelect will reduce overall credit reporting fees by eliminating unqualified borrowers up front. LEARN MORE + SINGLE IN-FILE Determine your prospect’s creditworthiness from a single bureau soft pull prior to their loan application. Start off with a single bureau report and, only if the credit data meets your pre-loan criteria to qualify an applicant, then upgrade to a tri-merge report. Save time, resources, and money by establishing a borrower’s creditworthiness in the beginning of the loan cycle. + TRI-MERGED S1's Intelligent Tri-Merge Credit Report engine provides nearly endless combinations, attributes and decisioning capabilities. Leverage templates or create your own format and merge optional FICO, OFAC, Fraud, and ID. Request 1, 2, or all 3 bureaus.


Providing corporate information on all types of verified businesses registered by the Secretary of State. Qualified income data sources including BBB report, state licenses, referenced credit history, and company net worth. Turnaround time averages 5 business days.

+ QC Meet regulatory requirements with this soft inquiry credit report designed for loan servicers and QC companies.

+ Prequalification Services

+ SOFT QUAL INFILE Soft Qual Infile: Determine your prospect’s creditworthiness from a single bureau soft pull prior to their loan application. Prequalify your loan prospect the smart way to determine whether they meet your pre-loan criteria.

  • Save significant time, valuable resources and upfront costs.
  • Strengthen approval rating
  • Avoid massaging a prospective applicant for weeks
  • Stay ahead of the competition by pre-qualifying your best leads
  • Increase your overall pull through rate
  • Focus on deals that make sense.
  • Significantly lowers the upfront costs in qualifying borrowers

+ CreditXpert Product Suite

Quickly assess score enhancement possibilities and forecast/simulate the scoring effects of positive and negative actions a consumer can take upon their credit file. LEARN MORE ▶ + RAPID RESCORE: Correct the information on a credit file within 3 business days, or as a rush within 24 hours at the bureau level. This tool allows your borrowers to possibly obtain higher scores allowing them to qualify for better rates.

+ Lead Generation Solutions


Lead generation for mortgage originators via Experian data based on credit and demographic criteria. You can upload your own list to screen or review target prospect list before purchase. Criteria include homeownership, credit score, balance of mortgage, zip codes.


A tool only offered by Experian that identifies who will be in the market for HELOC or mortgage in next 120 days. It offers credit protection packages that include FICO score-monitoring, credit report-monitoring and AIG Identity Theft Insurance. You can never be too cautious when it comes to credit protection, but S1 will ensure your customers’ information is safeguarded behind a reliable wall of credit protection.


+ Courthouse Abstracting

Accurately interpreted data in courthouse abstracting. Include:

  • multiple/current owner search
  • county liens & Judgments (NJ)
  • mortgage & Foreclosure search
  • deed investigating
  • tax status
  • document retrieval

+ Flood & Property Valuations (AVM)


  • Get access to the nation’s largest, investor approved, flood provider with results delivered in seconds. Both Commercial and Residential.
  • Property Appraisal process using multiple AVM (Automated Valuation Models). In just seconds, our automated valuation model (AVM) solution determine the value of a specific property using validated data sources to evaluate real estate and property information, recent sales, price trends, and tax assessments. It’s that simple, saving you significant time and costs compared to traditional property appraisal processes.

+ Portfolio Review

Service 1st can evaluate existing portfolios or portfolios being evaluated for purchase to check for discrepancies. The information will help determine the actual health and accuracy of the loan pool.


Join us at one of these mortgage industry digital conferences in 2021!