Guest: Sean Higgins

Sean and Mark hit up a variety of topics to talk about the state of the mortgage industry today and how lenders can keep up with all the necessary compliance. Also, why have credit unions gotten so complicated? Mark and Sean take a deep dive into credit reporting and where it was, and where it is going.


  • [01:44] Sean describes his role at United One, the areas of service United One provides, and the current state of the mortgage market. 
  • [12:05] How are appraisers dealing with values in the marketplace, how does an automated valuation tool come into play, and why is it difficult to become an appraiser?
  • [21:39] How the credit report has changed over the years. 
  • [26:02] Explaining the difference between Credit Karma and other reporting agencies and Sean’s opinion of a non-traditional credit scoring system. 
  • [30:54] Sean explains credit leads versus retention triggers. 
  • [38:25] New changes coming in the appraisal regulation process. 


  • It is a tough market for lenders in the residential sales market. The problem is they need more inventory, and buyers need to be able to find an affordable house and win the bid. 
  • Because home sales are scarce, lenders must work hard, align themselves with the right partners and real estate agents and continue growing their base. 
  • Many people may not sell their homes for a long time because of the low-interest rate they have.


Mark Ritter – Website

United One – Website

Sean’s Phone Number: 570-706-2830
Seans Email:


Sean Higgins is the longtime executive of United One Resources in Wilkes-Barre, PA and the current Executive Vice President of the organization. For over 100 years, United One has supported the lending and real estate communities with a variety of solutions and services, including credit reports, appraisal management services, property reports, flood zone determinations, fraud reports, tax monitoring, title insurance and settlement services. United One provides a competitive advantage for lenders to move quickly from approval to close with confidence.

Mark Ritter is the CEO of MBFS and an expert in credit unions and business lending. His primary role at MBFS is overseeing the strategy of helping credit unions assist members with business needs and consulting with credit unions on planning the delivery of services to their membership.