Mortgage-Only Credit Reports

Access credit reports specifically designed for mortgage underwriting, with enhanced data points and industry-specific insights.

Purpose-Built Credit Reports for Mortgage Professionals

Not all credit reports are created equal. SettlementOne’s Mortgage-Only Credit Reports are specifically engineered for home lending, providing enhanced data elements and insights that general-purpose credit reports miss. This specialized approach helps you make better lending decisions while streamlining the underwriting process.

Our mortgage-only reports include exclusive data points like mortgage payment history patterns, property-related inquiries, and specialized risk indicators developed specifically for home lending. This targeted information helps underwriters quickly identify qualified borrowers while flagging potential risks unique to mortgage transactions.

Key Features

Mortgage Payment History: Detailed analysis of previous mortgage performance
Property Inquiry Analysis: Identification of recent real estate-related credit activity
Enhanced Risk Indicators: Mortgage-specific flags for common loan performance issues
Trended Data: Historical views of credit behavior over time
Residual Income Calculations: Built-in tools for VA loan requirements
First Mortgage Indicators: Clear identification of existing property liens

How It Works

When you request a mortgage-only report, our system pulls standard credit data and enhances it with mortgage-specific analytics. This includes analyzing payment patterns on previous mortgages, identifying recent property-related inquiries that might indicate other pending transactions, and calculating specialized risk scores based on mortgage performance data. The result is a credit report that speaks directly to mortgage underwriting needs.

Use Cases

Complex Borrower Scenarios:

When borrowers have multiple properties or complicated mortgage histories, our enhanced data provides crucial context for decisions.

VA Loan Processing:

Built-in residual income calculations and specialized military lending insights streamline VA underwriting.

Investment Property Analysis:

Identify patterns in rental property ownership and payment performance across multiple mortgages.

Why SettlementOne

Our mortgage-only reports represent 25+ years of industry expertise distilled into a specialized credit product. By focusing exclusively on mortgage-relevant data and insights, we help lenders cut through the noise to make faster, more accurate decisions. Combined with our seamless integration capabilities and responsive support, it’s credit reporting truly built for mortgage professionals.

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.

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