Scale your business faster, reduce compliance risk, and minimize cost by leveraging our comprehensive
outsourced solutions

Title and Settlement Services

Our centralized title and settlement department works with you to review the title search and prepare the documents.

Document Fulfillment Solutions

Cost effective solutions for variable digital printing and shipping your sensitive documents.

Document Imaging and Indexing

Convert, scan, image paper (both small and large) media into digital formats for effective management, resulting in greater efficiencies.

Appraisal Management Services

Full suite of valuation solutions with expertise in retail, wholesale, consumer, FHA, REO, loss mitigation, residential and commercial services.

About US

Diversity. Integrity. Authenticity. High Performance. Accountability. Agility. Teamwork.
One of the Fastest Growing, Minority Owned Companies in America

Urban Settlement Services, LLC (d/b/a Urban Lending Solutions) (“ULS”), founded by Charles and Elisa Sanders in 2002, and its subsidiaries provide a wide variety of outsourced services to its clients including mortgage fulfillment services, home retention solutions, appraisals and valuation services, title and settlement services, document fulfillment, call center and collection services.

Based in Pittsburgh, PA, with additional offices in Broomfield and Highlands Ranch, CO, Troy, MI, and Westlake Village, CA, ULS creates long-term partnerships by thoroughly understanding clients’ needs. ULS also invests time and capital to assess and train each staff member, so employees have extensive knowledge of regulations that impact the mortgage industry. ULS’ clients include lending institutions, credit unions and mortgage servicers. ULS also offers document fulfillment to the following sectors: 1) healthcare, 2) government, 3) utilities, 4) higher education, and 5) oil and gas.

  • Top Job Creators

    •ULS is listed No. 8 in Inc. Hire Power Awards as one of the Top Job Creators of 2013. Additionally, ULS received a ranking of No. 2 in the real estate industry and No. 1 in Pennsylvania companies.

  • One of the Top Real Estate Companies

    •In 2013, ULS was listed No. 45 in the Top 100 real estate companies and No. 38 in the Top 100 Pennsylvania companies by Inc. magazine.


    •ULS is listed No. 1 in revenue growth in Black Enterprise Magazine's Top 100 list and No. 19 as one of the fastest-growing minority-owned companies in America.

  • One of the Fastest Growing Companies

    •From 2010 to 2013, Inc. 500/5000 recognized ULS' achievements in its list as one of fastest-growing private companies in the United States.

Our Company

ULS’ family of companies are uniquely positioned to offer a variety of solutions:

Urban Fulfillment Services (UFS) provides mortgage processing, underwriting, and closing services,
home retention solutions, and loss mitigation support.

Urban Lending Solutions Appraisals, LLC (ULSA) provides independent and accurate valuations of collateral.

Urban Settlement Services, LLC (d/b/a Urban Lending Solutions) provides title and settlement services,
and document fulfillment.

Walled Lake Credit Bureau LLC, a licensed collection agency, provides FDCPA compliant call center services.

Our Success

As a privately owned company, ULS is unique in its ability to quickly adapt to industry changes and requirements, which provides ULS with a competitive edge in the marketplace. ULS has industry-experienced teams dedicated to providing end-to-end outsourced business processing solutions. ULS offers the ability for clients to utilize portions of its outsourced business solutions as an à la carte offering. This allows companies to leverage their existing platform to improve their process where bottlenecks or issues occur.

Our Difference

ULS is a certified Minority Business Enterprise (MBE) that has also achieved Corporate Plus® status. This is an unprecedented membership program of the National Minority Supplier Development Council designed specifically for MBEs that have a proven capacity to handle national contracts for major corporations. ULS has developed a strong reputation for quality business solutions as a Tier 1 vendor (prime corporation supplier) for many national banks. ULS’ Minority Business Enterprise status currently provides value added services to some of the largest banks in the United States, helping to meet the banks’ supplier diversity goals as well as boost their delivery performance in today’s ever-changing economic and regulatory climate.

Our Values

The co-founders of ULS help fund and support global charities and youth programs. These charitable contributions are an extension of the ULS Core Values of diversity, integrity, authenticity, high performance, accountability, agility, and teamwork. ULS’ support of community-level and world-wide charitable organizations helps foster these same values in the youth they serve, while also benefiting ULS customers’ local communities on a measurable scale.


Meet our highly acclaimed experts!
Charles “Chuck” Sanders is CEO of Urban Lending Solutions.
Chuck founded Urban Lending Solutions in 2002. In the years following, Chuck built the company into a highly respected provider of outsourced fulfillment and settlement services to the mortgage origination and servicing industry.
Mike Forgas
Mike Forgas is President of Urban Lending Solutions.
Mike oversees the company operations, including expansion within the lines of business and diversifying client base.

Latest news

Contact Us Now!

Your business is very important!