SharperLending Company and History

SharperLending LLC is the leading provider of financial services technology for the mortgage industry. SharperLending offers five secure, web-based technology platforms to lenders and strategic partners that increase efficiency, mitigate risk, and offer affordability: Appraisal Firewall, EPN settlement services platform, TVP income verification systems, XpertOnline credit reporting technology, and ReadyQual consumer prequalification and lead generation software.

Our company started in 1989 providing secure mortgage credit reporting software to credit bureaus. Since then, our operation has grown to provide a full suite of enterprise software solutions across a variety of markets to lenders, credit bureaus, and other strategic partners. Become a part of a better financial world. Be our partner in technology.

Dave Black, CEO & Founder

Dave Black is a pioneer in the financial technology and services industry. In the mid 1980's Mr. Black developed financial information systems for several industries and municipalities, including the credit reporting industry, automating mortgage credit reporting for a number of repository bureau affiliates. A visionary in the credit reporting business, Mr. Black helped evolve the industry from earlier DOS days to the current secure online SaaS world.

In the late 1990s, Mr. Black turned to other mortgage services to utilize SaaS to streamline processes. He spearheaded the popularity of secure, cloud-based computing for the financial services industry with the bundled services platform concept, the Appraisal Management Software (AMS) concept in Appraisal Firewall in 2007, the automation of consumer tax return verifications (4506-T forms), and instant, paperless consumer lending pre-qualifications.

Dave is a tireless worker and thinker, constantly researching new concepts and styles of implementation for SharperLending LLC, the company behind Appraisal Firewall. He enjoys time with family, traveling both on his Harley Davidson and internationally, and the Costa Rica coastline.



David Chiappe, President

David Chiappe is the President of SharperLending LLC and its divisions, including the SharperLending Mortgage Services Division, the mortgage services and Appraisal Firewall platforms; SharperLending Credit Division, technology for the credit reporting industry; and SharperLending Solutions, the loan origination product packaging division.  David is responsible for the day to day operation of the company as well as the long term objectives and resource planning.

David originally came to SharperLending as our Director of Business Development and as part of our national expansion effort.  He leverages his diverse background and Juris Doctorate to help make SharperLending's continual expansion a success.

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SharperLending LLC is the leading provider of financial services technology for the mortgage industry. SharperLending offers five secure, web-based technology platforms to lenders and strategic partners that increase efficiency, mitigate risk, and offer affordability: Appraisal Firewall, EPN settlement services platform, TVP income verification systems, XpertOnline credit reporting technology, and ReadyQual consumer prequalification and lead generation software.

Our company started in 1989 providing secure mortgage credit reporting software to credit bureaus. Since then, our operation has grown to provide a full suite of enterprise software solutions across a variety of markets to lenders, credit bureaus, and other strategic partners. Become a part of a better financial world. Be our partner in technology.


Dave Black, CEO & Founder

Dave Black is a pioneer in the financial technology and services industry. In the mid 1980's Mr. Black developed financial information systems for several industries and municipalities, including the credit reporting industry, automating mortgage credit reporting for a number of repository bureau affiliates. A visionary in the credit reporting business, Mr. Black helped evolve the industry from earlier DOS days to the current secure online SaaS world.

In the late 1990s, Mr. Black turned to other mortgage services to utilize SaaS to streamline processes. He spearheaded the popularity of secure, cloud-based computing for the financial services industry with the bundled services platform concept, the Appraisal Management Software (AMS) concept in Appraisal Firewall in 2007, the automation of consumer tax return verifications (4506-T forms), and instant, paperless consumer lending pre-qualifications.

Dave is a tireless worker and thinker, constantly researching new concepts and styles of implementation for SharperLending LLC, the company behind Appraisal Firewall. He enjoys time with family, traveling both on his Harley Davidson and internationally, and the Costa Rica coastline.


David Chiappe, President

David Chiappe is the President of SharperLending and its sister companies, including Appraisal Firewall. David is responsible for the day to day operations of the company as well as the long term objectives and resource planning.

David originally came to ShaperLending as our Director of Business Development and as part of our national expansion effort. He leverages his diverse background and Juris Doctorate to help make SharperLending's continual expansion a success.

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Tiffany Saraceno

Senior VP Sales


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Brock Rogers

Development Manager


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Danielle Walker

VP Product Development


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Bryan Sawyer

Senior Project Manager


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Caleb Reed

Creative Director


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Laura Henderson Burger

Customer Service Manager


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Matt Brannon

Communications Manager