With the recent $25 billion settlement among the federal government, various state attorneys general and the nation's five largest mortgage servicers, many homeowners are poised to receive significant financial relief through loan modifications and loan refinance programs.  As one of the nation's largest component servicers and providers of mortgage origination services, Urban Lending Solutions (ULS) is uniquely positioned to assist banks, mortgage servicers and government agencies.  In addition, as the 205th fastest growing company in the United States, as ranked by Inc. 500 magazine, and the 28th largest minority business enterprise (MBE) in the United States, ULS strives to help our nation by expanding and providing meaningful, long-term employment, as well as fostering a more diverse workforce.

Since our founding in 2002, ULS has maintained a strong entrepreneurial spirit, which has allowed us to remain nimble during challenging economic times and able to quickly react to clients' needs.  However, with over 800 employees based in our offices in Pittsburgh, PA and Broomfield, CO, our infrastructure provides world-class capacity to meet the largest of client needs.  In addition, our proprietary technology provides scalability that has helped ULS gain a reputation for developing quality solutions to solve complex problems.  Currently, ULS can support any of the following:

• Print and ship capacity of 1.5 million documents per day
  
  
 
• Ability to receive, scan and index up to 120,000 documents per day
  
  
 
• Licensed debt collector compliant call center services
  
  
 
• Call center capacity of nearly 1 million calls per month
  
  
 
• Multi-lingual call center staff
  
  
 
• Ability to process and underwrite up to 6,000 loan modifications per day
  
  
 
• Ability to process and underwrite up to 2,500 loan originations per month
  
  
 
• Redundant data centers to provide safe and secure storage of all client data
  
  

 Over the past four years, ULS has grown to be the nation's largest provider of loan modification services, processing nearly four million loan modifications.  ULS' proprietary decisioning model determines the best modification execution for any given loan, and we have experience with all forms of programs, including, but not limited to, HAMP, FHA/VA, capitalization, and principal forgiveness. Our
         

• Letter campaigns and modification solicitations      
  
  
     
• Quality control of modification application documents      
  
  
     
• Obtain credit report and valuation analysis      
  
  
     
• NPV test      
  
  
     
• Financial interviews with borrowers      
  
  
     
• Resolution of second lien issues      
  
  
     
• Modification underwriting      
  
  
     
• Trial payment set-up and monitoring      
  
  
     
• Document preparation and delivery      
  
  
     
• Electronic signing services      
  
  
     
• Recording and endorsement services