About Us

About Us

About Us

United One provides information, insights and experiences necessary for lenders to move quickly through the approval process and to close with confidence. We strive to be the definitive source for every lending decision.

Customer service is personal to the team at United One. Our staff stays with you through the entire loan-to-close cycle. No impersonal call centers, but genuine and caring people who work hard to earn your business every day.

United One continues to set the standard for ease of doing business. Our investments in process innovation and technology leadership position us to deliver the right information, in the right way, at the right time so you can make the best possible lending decision.

Our value proposition is clear and compelling. We deliver the most accurate information faster than anyone in the market.


Chairman's Letter

We’ve changed our name to United One because it signifies to all of us—our employees, our customers, and our partners—that we are united in working toward a singular goal—being the definitive source in the marketplace for all lending decisions. Henry Ford once said, “If everyone is moving forward together, then success takes care of itself.” I love this quote because it so simply sums up what we need to strive for in our business every single day.

Our business strategy is focused on creating strong and lasting relationships with our customers based on a solid understanding of your needs to make you and your business successful.

We continue to transition our company from a transactional product seller to a customer-focused solutions provider. We have been told through intensive customer interviews that our lending solutions are more reliable, comprehensive, and definitive than any other in the market. This is important to us because it allows you to make accurate and timely lending decisions.

And we deliver our solutions in a way that’s personal. We never underestimate how valuable this is to you. Our customers have told us over and over that they love doing business with us because we make things easy for them over the entire credit approval to settlement service cycle.

As we look at the road ahead, our focus will be on coming together even more tightly. Our success is closely tied to the success of our customers and our employees. Achieving our goals will only be possible if we deliver exceptional customer service, process innovation, and technology leadership.

You will see in the coming months and years that we are committed to living the essence of our name change. United One will be the best provider in the marketplace by providing unmatched value in terms of information, insights and experiences that you need to lend with confidence. And finally, we do this with a sense of pride because our work results in a family realizing their dreams or a business getting funds to fuel growth.

One Company. One Vision of the Future. United One.

Sincerely yours,

Louis J. Cesare

Louis J. Cesare
Chairman & CEO

Meet The Team

Louis J. Cesare

Louis J. Cesare

Chairman and Chief Executive Officer

Sean Higgins

Executive Vice President

Lori Brady

Chief Financial Officer

Miriam D'Elia

Operations Manager

Company Background

United One traces its roots back to 1918 as a non-profit, merchant-owned credit reporting company in Wilkes-Barre, Pennsylvania. Focusing on personal customer service to local credit grantors and financial institutions, the company slowly grew for the next sixty years. Known as the Credit Bureau of the Wyoming Valley and then United Credit Bureau Services, in 1974 the company became affiliated with Experian Information Services (then TRW) as consumer credit reporting became automated with the use of computer technology.

Gradually, the company began to add to its menu of solutions as the needs of its customers grew. By adding mortgage credit reports, courthouse record services and flood zone determinations to its product offerings in the late 1980s, the company began to focus more on real estate transactions.

Under the leadership of current Chairman and CEO, Louis J. Cesare, the company began an unprecedented period of growth by providing flawless risk management information services and personal customer service to our customers. With the addition of title insurance and settlement services in 1994, the company began providing commercial and residential title insurance for both purchase and refinance transactions to lenders across the state.

In 1997, Chairman and CEO Louis J. Cesare formed a group of investors and purchased United Credit Bureau Services, forming United One. Since the purchase, United One continued its long history of unprecedented growth through flawless risk management information services and personal customer service.

As we look beyond 2014, we see great opportunity to help our customers in unprecedented ways. Our vision of becoming the definitive source for every lending decision will push us deeper into our customers operations. We will help customers overcome property valuation and rate risks, manage regulatory changes, and respond quickly to emerging growth opportunities with confidence.

Headquartered in Wilkes-Barre, Pennsylvania, United One currently does business throughout the country and has title insurance licenses in Maryland, Massachusetts, New Jersey, New York, Pennsylvania, and Virginia.

Our experienced sales and operations staff, sound business processes and high level of personal customer service will help you grow your business by closing your real estate and mortgage transactions quickly and efficiently.

Our Mission

The success of our company is tightly connected to the success of our customers and our employees. We excel at personal customer service, process innovation, and technology leadership to improve and accelerate our customers’ lending decisions.

Our Vision

The definitive source for every lending decision.

Our Values

Accountability and Responsibility

Take ownership of actions to move beyond emotions and to prepare self and team to take on the next challenge.


Focus on what we do well as to engage customers and employees from a position of shared outcomes and shared success. Confidence increases our ability to lead.

Goal Oriented

Set and achieve ambitious and clearly measurable goals to create a culture of energy and momentum towards doing what we say we will do. If we fall short of these goals, we are willing to change the way we do things in order to achieve excellence for our customers and our employees.


Seek opportunities to introduce new ideas, new practices and new services. Innovation extends beyond technology to a mindset of continuous improvement and leadership.


Act honestly and honorably when dealing with customers and each other. At United One, our actions consistently match our words.


Our demanding environment will test our character under pressure. We demonstrate calmness and self-control in the face of adversity.

Positive Attitude and Contribution

Set our minds to look for the best in each situation. A positive attitude and contribution shape conversations, actions, and culture around an exciting and profitable future.


Be prompt and courteous when identifying, assessing and solving needs of our customers and our employees. Excelling at personal customer service will require efficiency of decision making and actions.


We will be candid and forthright with our customers and each other. We must openly, tactfully and authentically share information, provide guidance, and deliver feedback – even when the message is not positive news.

Value Proposition

Our value proposition is clear and compelling. We deliver the most accurate information faster than anyone in the market. We continually invest in key assets and processes that result in unmatched value for our customers.

  1. We have the confidence to stand by our customers’ side when making lending decisions. Our customers trust our lending solutions to protect their assets from future loss. They view our lending solutions as more reliable, comprehensive and definitive than any others in the market – so much so that customers often come back to us after trying another provider.

  2. Our customers are overwhelmed by an increase in lending volume, which impacts what they do, and an increase in regulations, which impacts how they do it. We accelerate the time to decision cycle to help customers get the answers they need when they need it to make the most accurate and timely lending decision.

  3. Customer service is personal to the people at United One – unlike the large impersonal production houses where customer service equates to nameless, faceless, scripted call centers responses. Our team members care deeply about our customers and genuinely feel that the success of our customers’ business equates to success of United One’s business.

  4. Our customers state that they love how easy it is to do business with United One. This feeling is not grounded in a weak position of accommodation, but in a strong position of investing in technology, developing people and processes that are responsive to customer needs, and aligning our team to meet the growth needs of the customer.