<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Service First Information Solutions (DBA Service 1st)]]></title><description><![CDATA[Our team is focused on efficient design engineering and transparency to keep your loan manufacturing and verification processes flowing seamlessly.]]></description><link>https://www.srv1st.com/blog</link><generator>RSS for Node</generator><lastBuildDate>Fri, 01 May 2026 14:50:42 GMT</lastBuildDate><atom:link href="https://www.srv1st.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Key takeaways from ICE Experience]]></title><description><![CDATA[The ICE Experience 2026 conference in Las Vegas brought together more than 4,000 mortgage professionals for several days of conversation, collaboration and forward-looking strategy]]></description><link>https://www.srv1st.com/single-post/key-takeaways-from-ice-experience</link><guid isPermaLink="false">69f4ae68b7104c93b99ccb42</guid><category><![CDATA[Mortgage Industry Advocacy]]></category><category><![CDATA[Credit Reporting]]></category><category><![CDATA[Loan Verifications]]></category><pubDate>Fri, 01 May 2026 13:59:23 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/96697a_a3db474c3ea34b21a797471bfd17f310~mv2.jpg/v1/fit/w_1000,h_600,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jeff Gentry</dc:creator></item><item><title><![CDATA[A tactical guide to managing borrower credit costs in 2026]]></title><description><![CDATA[Rising credit report costs can add hundreds of thousands of dollars in annual expense for mid-sized lenders, depending on volume and fallout rates.]]></description><link>https://www.srv1st.com/single-post/a-tactical-guide-to-managing-borrower-credit-costs-in-2026</link><guid isPermaLink="false">69d6635a89f9e676eca1015c</guid><category><![CDATA[Credit Reporting]]></category><pubDate>Wed, 08 Apr 2026 14:25:34 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/96697a_35d4cae9277c49bb85d8563b416c13f7~mv2.jpg/v1/fit/w_1000,h_667,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jeff Gentry</dc:creator></item><item><title><![CDATA[Rethinking borrower credit costs in today’s lending environment]]></title><description><![CDATA[At recent conferences, one theme keeps surfacing in conversations with lenders: borrower credit pricing is becoming increasingly difficult to manage. In hallway discussions, breakout sessions and one-on-one meetings, credit costs were discussed as frequently as rates and volume. Margins have remained tight throughout 2025 and into the first quarter of 2026. Competition is intense and the cost of pulling borrower credit continues to climb.  Not long ago, wholesale FICO pricing was measured in...]]></description><link>https://www.srv1st.com/single-post/rethinking-borrower-credit-costs-in-today-s-lending-environment</link><guid isPermaLink="false">69a1e92c9d34acb7c434db89</guid><category><![CDATA[Credit Reporting]]></category><pubDate>Fri, 27 Feb 2026 19:03:10 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/96697a_17e2a50b8c4c467fb5e68ff0a70aa539~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jeff Gentry</dc:creator></item><item><title><![CDATA[Navigating Credit Reporting Price Hikes with Service 1st: Why Your Choice of Credit Partner Matters More Than Ever]]></title><description><![CDATA[In a market where margins are already thin and every basis point counts, credit reporting hikes can feel like a direct hit to your bottom line. While you cannot control the baseline pricing, you can control how you manage those costs. Though these price increases happen every year, you still have choice in your credit partner. In this article, we’ll break down the details how to navigate credit reporting pricing hikes by: Determining the prospective leads that will close, without spending...]]></description><link>https://www.srv1st.com/single-post/navigating-credit-reporting-price-hikes-with-service-1st-why-your-choice-of-credit-partner-matters</link><guid isPermaLink="false">698ce7c95ce248ef4489ae84</guid><category><![CDATA[Credit Reporting]]></category><pubDate>Wed, 11 Feb 2026 20:40:33 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/96697a_8fac002121ba4cb6b3e405c915effc2a~mv2.jpg/v1/fit/w_512,h_341,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>sschaeffer3</dc:creator></item><item><title><![CDATA[Solving the Manual Employment Verification Headache with Cascade Technology]]></title><description><![CDATA[Using cascade technology to do employment verifications for mortgage applications can save time, money, and heartache. Check out how!]]></description><link>https://www.srv1st.com/single-post/solving-the-manual-employment-verification-headache-with-cascade-technology</link><guid isPermaLink="false">6970fe153b2ea1c58ccc307d</guid><category><![CDATA[Verification of Employment]]></category><category><![CDATA[Loan Verifications]]></category><pubDate>Wed, 21 Jan 2026 16:31:08 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/96697a_536c1150f7b9457c97d6cb260212e03a~mv2.jpg/v1/fit/w_1000,h_568,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Miles IT</dc:creator></item><item><title><![CDATA[Off to Salt Lake City for the NCRA Annual Conference – Elevate 25’]]></title><description><![CDATA[Wait – Salt Lake City? Yep, I’m off to Salt Lake! For reseller consumer reporting agencies , the upcoming NCRA Annual Conference   marks the final major event of the conference season. Honestly, it’s a welcome change of pace. Just as professionals in the mortgage industry  attend events tailored to their sector, with vendors showcasing mortgage-specific tools and updates, this conference brings the same focus to credit resellers .  NCS is honored to be a sponsor of this year’s meeting. The...]]></description><link>https://www.srv1st.com/single-post/off-to-salt-lake-city-for-the-ncra-annual-conference</link><guid isPermaLink="false">691602ac98ab608cbd147a7f</guid><pubDate>Thu, 13 Nov 2025 16:16:29 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/96697a_8f876fba2c6b478aa10838a1f22f87d4~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Curtis Knuth</dc:creator></item><item><title><![CDATA[How Outsourcing Verifications Simplifies Mortgage Processing]]></title><description><![CDATA[In this article, you will learn: The difference between fixed and variable monthly costs for mortgage verification services and why it...]]></description><link>https://www.srv1st.com/single-post/how-outsourcing-verifications-simplifies-mortgage-processing</link><guid isPermaLink="false">68e7d784850e22d5f7c220c7</guid><category><![CDATA[Loan Verifications]]></category><pubDate>Thu, 09 Oct 2025 15:51:09 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/96697a_056c0bce4232461992e243537b11a4cb~mv2.jpg/v1/fit/w_1000,h_680,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>sschaeffer3</dc:creator></item><item><title><![CDATA[Strategies to Reduce Loan Origination Costs]]></title><description><![CDATA[As loan origination costs continue to rise  in mortgage lending and other sectors, lenders face significant challenges. They must deliver...]]></description><link>https://www.srv1st.com/single-post/lender-strategies-for-saving-money-and-improving-the-borrower-experience</link><guid isPermaLink="false">68cd66f7e4f4a67f90e1c661</guid><category><![CDATA[Credit & Verification]]></category><pubDate>Fri, 19 Sep 2025 14:24:11 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/96697a_4df6bd2833ae4efdb6023f66121bceba~mv2.jpg/v1/fit/w_1000,h_546,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>sschaeffer3</dc:creator></item><item><title><![CDATA[Comparing Classic FICO and VantageScore 4.0 in Mortgage Origination ]]></title><description><![CDATA[For decades, the Classic FICO model was the primary credit scoring system lenders used to underwrite mortgages and determine the...]]></description><link>https://www.srv1st.com/single-post/comparing-classic-fico-and-vantagescore-4-0-in-mortgage-origination</link><guid isPermaLink="false">68c1ae4d29ab8110bd64998f</guid><category><![CDATA[Credit Reporting]]></category><pubDate>Wed, 10 Sep 2025 17:09:10 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/96697a_5eb7f8b253d24fbf915d216d14c7dc8d~mv2.jpg/v1/fit/w_1000,h_667,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>sschaeffer3</dc:creator></item><item><title><![CDATA[Simplify Your Process. Accelerate Your Results.]]></title><description><![CDATA[At Service 1st, we understand the complexities and demands of the lending industry. That's why we've positioned ourselves as your...]]></description><link>https://www.srv1st.com/single-post/simplify-your-process-accelerate-your-results</link><guid isPermaLink="false">67f53513aaf502ad8a9310b1</guid><pubDate>Tue, 08 Apr 2025 14:48:10 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a6ef35_eadaf3edf0014456bb842882a42b9e27~mv2.png/v1/fit/w_1000,h_219,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>sschaeffer3</dc:creator></item><item><title><![CDATA[How to Provide Proof of Income When You're Self-Employed]]></title><description><![CDATA[Being self-employed offers a unique lifestyle and greater flexibility in work. However, it also brings challenges, especially when it...]]></description><link>https://www.srv1st.com/single-post/how-to-provide-proof-of-income-when-you-re-self-employed</link><guid isPermaLink="false">67e5add989f652c76e8cefcc</guid><pubDate>Thu, 27 Mar 2025 20:05:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a6ef35_2eca5f9b621845c89cf2d05572345e88~mv2.png/v1/fit/w_1000,h_768,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>sschaeffer3</dc:creator></item><item><title><![CDATA[Know the Differences between the web and desktop integrations of Encompass.]]></title><description><![CDATA[With Encompass Partner Connect, ICE Mortgage Technology has replaced the outdated SDK framework with a modern, API-driven cloud platform.]]></description><link>https://www.srv1st.com/single-post/know-the-differences-between-encompass-integrations</link><guid isPermaLink="false">67cf53b9d497fa6e54c6f1cb</guid><category><![CDATA[Encompass]]></category><category><![CDATA[ASO]]></category><pubDate>Tue, 18 Mar 2025 04:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a6ef35_7d15dae71bff4f7d8bd3ab9734e0c3b5~mv2.jpg/v1/fit/w_600,h_337,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>sschaeffer3</dc:creator></item><item><title><![CDATA[How Lenders Can Streamline Income Verification for Self-Employed Borrowers]]></title><description><![CDATA[Read on as Service 1st shared insights with MBA Newslink on the evolving challenges lenders face when qualifying borrowers with gig income.]]></description><link>https://www.srv1st.com/single-post/how-lenders-can-streamline-income-verification-for-self-employed-borrowers</link><guid isPermaLink="false">67d32aaad1228a36c72c9188</guid><category><![CDATA[Mortgage News]]></category><category><![CDATA[income verification]]></category><pubDate>Tue, 11 Mar 2025 19:36:32 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/96697a_8ab6b512eeac46f6a2ca1bea9d418a5e~mv2.webp/v1/fit/w_726,h_416,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>sschaeffer3</dc:creator></item><item><title><![CDATA[What Lenders Need to Know: FAQs on Credit Reporting]]></title><description><![CDATA[Top credit report questions from lenders answered by industry expert, Jeff Gentry @Service 1st.]]></description><link>https://www.srv1st.com/single-post/faq-on-credit-reporting</link><guid isPermaLink="false">67cf40116e313c4d425e8430</guid><pubDate>Thu, 06 Mar 2025 21:01:33 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a6ef35_4d9d4a0ff0d8442783877feb4d4a985f~mv2.jpg/v1/fit/w_350,h_233,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>sschaeffer3</dc:creator></item><item><title><![CDATA[Service 1st Strengthens Leadership to Advance Lending Verification and Compliance]]></title><description><![CDATA[Service 1st has expanded our leadership team with four senior hires specializing in mortgage operations, sales, and technology. ]]></description><link>https://www.srv1st.com/single-post/s1-new-leadership-to-advance-lending-verification-and-compliance</link><guid isPermaLink="false">67cf4da69ada70fa657a8544</guid><pubDate>Wed, 26 Feb 2025 21:43:48 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a6ef35_de07e2c234554ddb9e1c20a6addb213a~mv2.jpg/v1/fit/w_850,h_281,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>sschaeffer3</dc:creator></item><item><title><![CDATA[Mastering Verification Cascades: Insights from 2024's Top 8 Mortgage Innovations]]></title><description><![CDATA[Data verification cascades are changing the game with smarter workflows, seamless integrations, and better borrower experiences.]]></description><link>https://www.srv1st.com/single-post/what-makes-a-great-verification-cascade</link><guid isPermaLink="false">67866883ba878606feb3f7b6</guid><pubDate>Tue, 11 Feb 2025 01:29:26 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a6ef35_bbde9b835ce7422b905ead03c0715f6c~mv2.jpg/v1/fit/w_300,h_240,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>sschaeffer3</dc:creator></item><item><title><![CDATA[Wrapping Up Meetings]]></title><description><![CDATA[November 1, 2024 Just like everyone, we had a great MBA Conference! But just so you know, that’s one of only two over-inflated marketing statements we’re making here.  The rest is actually helpful.  So enjoy... Introducing the 8821 Pilot At MBA Annual 2024, NCS launched our 8821 pilot. The pilot provides IRS transcript data through the 8821 process, also known as tax information authorization. This process combines IRS and NCS proprietary solutions to provide accurate 8821 data. Our goal is...]]></description><link>https://www.srv1st.com/single-post/wrapping-up-meetings</link><guid isPermaLink="false">67250b3c036590cae370945e</guid><pubDate>Fri, 01 Nov 2024 18:05:06 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a6ef35_fae5e8354ca04aa6940f67257bb5d28f~mv2.jpg/v1/fit/w_900,h_444,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>sschaeffer3</dc:creator></item><item><title><![CDATA[Leaving the Mountains Behind]]></title><description><![CDATA[October 30, 2024 | NCS/S1 Denver is abuzz as attendees of the Mortgage Bankers Association’s Annual Conference  fly out of Denver...]]></description><link>https://www.srv1st.com/single-post/leaving-the-mountains-behind</link><guid isPermaLink="false">672271f844bc568480dc2e9f</guid><pubDate>Wed, 30 Oct 2024 18:01:46 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a6ef35_2d931b3c9cff4cf4a284b30261bd75cc~mv2.png/v1/fit/w_860,h_512,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>sschaeffer3</dc:creator></item><item><title><![CDATA[Frictionless processes for lenders. ]]></title><description><![CDATA[Leveraging internal human resources alongside automated solutions for frictionless processes.  Lenders want  to save costs and reduce...]]></description><link>https://www.srv1st.com/single-post/frictionless-processes-for-lenders-1</link><guid isPermaLink="false">64ab3f36c6d160e1391d8686</guid><pubDate>Sun, 09 Jul 2023 23:43:44 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a6ef35_0860580caf3e4a178c1516e0ce51d1ac~mv2.png/v1/fit/w_900,h_249,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>sschaeffer3</dc:creator></item><item><title><![CDATA[What’s available to my company for prescreened marketing lead list?]]></title><description><![CDATA[Service 1st has partnered with Experian to provide our clients class leading lead generation solutions.  Originators can select specific...]]></description><link>https://www.srv1st.com/single-post/what-is-a-firm-offer-of-credit</link><guid isPermaLink="false">647113c2224d61b7657028f5</guid><pubDate>Fri, 26 May 2023 20:35:41 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a6ef35_330de785072642ad96dea4a83b94fe95~mv2.jpg/v1/fit/w_850,h_567,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>sschaeffer3</dc:creator></item></channel></rss>