Client Bulletin Publish Date: August, 24 2026
Intelligence Delivered: Issue Trends Signal Ongoing Operational Excellence
In 2025, we established an ambitious 85% effectiveness across our high and very high-risk controls. Through the collective efforts of teams across the company, we exceeded that target and today maintain control effectiveness above 90%.
Clients and their homeowners depend on us to safeguard their information, deliver consistent service and manage risk. It’s not simply about compliance obligations. Over the past several years, we have maintained a deliberate focus on strengthening processes, enhancing controls and continuously improving how we serve our clients. We are committed to making it easier for clients to achieve their goals through a simple, frictionless experience.
See our latest blog to find out more.
Introducing Xpanse: Transforming Loan Boarding with AI-Powered Efficiency
We are excited to announce that we have introduced Xpanse, an AI-powered solution that automates document-to-data validation across loan boarding. For our clients and homeowners, it supports a smoother boarding experience with fewer delays and a stronger foundation from the start.
With Xpanse, we have greater visibility into critical missing documents when boarding loans. This leads to a faster and more accurate process.
In just the first few weeks of using Xpanse, we have seen the following:
• 98.3% of documents have been successfully classified.
• 97.8% of fields have been extracted.
• We have an internal quality pass rate above 98%.
These results are a strong early indicator of what’s possible when we combine operational expertise with smart technology.
How it Works
The process begins with automated document intake where end-to-end OCR technology captures and processes loan documents efficiently. Generative AI then validates the data by classifying and extracting information from both structured and unstructured documents, with results checked against 416 validation rules to ensure accuracy and compliance.
To further enhance quality and reliability, a human-in-the-loop review process is integrated into the workflow, allowing experts to resolve exceptions and safeguard the integrity of the data.
This is not about adopting technology for its own sake. It’s about investing in capabilities that help us respond to client needs more efficiently and strengthen our trusted partnerships.
Building Trust, Delivering Results: Meet Our Client Managers
Exceptional client management is built on trust, proactive communication and a deep understanding of our partners’ business objectives. By anticipating needs and delivering consistent value, our client managers are here to help you achieve your goals while strengthening relationships.
In our mid-year client pulse survey, our client managers again received high marks. Your feedback underscores the strength of the relationships we have built with you and the value of the partnership we deliver together.
Meet Our Client Managers
Many of you may already know Stephen Andree and Jennifer Wilson, who have long been valuable members of the client management team. Earlier this year, both were promoted to director roles, reflecting their dedication, expertise and impact. In an interview with Stephen and Jennifer, we learned more about their client-first approach.
For Stephen, good client service starts with responsiveness and availability. His clients know how to reach him, and he will always find time to jump on a call as needed. While Stephen may not always know the answers immediately, he is always determined to find the best path forward.
Jennifer concurs with Stephen, noting that to understand clients’ needs, she takes ownership of their requests and remains accountable for delivering the best solutions.
Building trust with our clients is at the heart of everything our team does. Trust is earned through transparency, reliability and a shared commitment to success.
“We need to prove to our clients every day that we are working toward a common goal. I’m honest with our clients about what we’re doing on their behalf, why we’re doing it and what outcomes we’re working to achieve,” said Stephen.
That commitment to partnership is shared across the client management team, whose focus remains on delivering the best possible outcomes for clients and their homeowners.
When asked what the strongest client relationships have in common, Jennifer pointed to a foundation of collaboration and continuous improvement.
“The most successful relationships are built on true partnership and a shared commitment to finding better ways to create exceptional experiences for our clients and their homeowners,” she said.
Stephen and Jennifer exemplify the dedication and partnership mindset that define our client management team. Whether it’s responding quickly to a challenge, fostering transparency or driving continuous improvement, they are committed to helping clients succeed.
California AB 130: What It Means for Loan Servicing
Industry efforts to obtain a preliminary injunction against California AB 130 were unsuccessful. The court dismissed the industry’s constitutional challenge.
Additionally, the industry has been exploring potential legislative remedies. Several drafts of proposed legislation have been circulated, including provisions that would establish lien priority based on the first legal date rather than the loan origination date. If this legislative path is not expedited, any enacted changes would not take effect until January 1, 2027.
Given the current uncertainty, Cenlar has elected to execute the required certification whenever possible for loans that the company began subservicing within 30 days of origination. For the remaining loans, where execution of the certification is not feasible, a judicial foreclosure may be necessary, as there is currently no definitive timeline for a legislative solution.
If you have any questions, please contact your client management team.
Labor Day Observance
Cenlar will be closed Monday, Sept. 7, 2026, in observance of Labor Day. Any files received on Monday, Sept. 7 will be processed the night of Tuesday, Sept. 8. Output will be available the morning of Wednesday, Sept. 9.
CCM Dropdown Matrix Updates and Director Loan History Export Guidance
We are pleased to announce recent enhancements designed to improve request routing, streamline processing and provide greater self-service access to loan information.
CCM Dropdown Matrix Updates
To improve ticket routing and processing efficiency, several new CCM dropdown options have been added to better align requests with the appropriate servicing teams.
New Demographic Update Options
Under General Servicing > Loan Maintenance > Loan Level Action, the following request types are now available:
• Email Address Updates
• Mailing Address Updates
• Phone Number Updates
New Data Field Correction Option
A new option has also been added under the following:
New Loans > Data Fields Corrections > NOTE Document Related Fields > Rate Discount
This enhancement provides a dedicated path for submitting rate discount-related corrections associated with NOTE document fields.
Director Loan History Export Guidance
Clients can now easily export loan payment history information directly from Director for reporting, analysis, and record retention purposes. Loan Payment History can be exported in either Excel (CSV) or PDF format, providing greater flexibility when reviewing or sharing loan activity. Detailed step-by-step instructions are available within the Director Loan History Export Guide.
We encourage all users to take advantage of these enhancements and self-service capabilities to improve efficiency and reduce turnaround times.
If you have any questions regarding these updates, please contact your client management team.