a subsidiary of ProTitleUSA
Universal State Servicing Audit Automation

Our Universal State Servicing Audit Automation solution streamlines the audit process across all jurisdictions and servicers.

We securely ingest loan files from each servicer, automatically identify and classify all documents required under the applicable state audit request list, and extract key dates and workflow indicators. The system then verifies compliance against required timelines and regulatory standards.


The output is a fully auditor-ready package that includes:

  • A bookmarked PDF containing only the required documents
  • A loan-level Excel report with detailed compliance checks
  • An exception summary highlighting any missing or non-compliant items

This solution is designed to operate seamlessly across all states and accommodate variations in servicer documentation, significantly reducing manual effort, audit preparation time, and risk of error.

Optional SES Add-On (CA, KS, NH) For states utilizing the State Examination System (SES), we offer an optional module that enhances the Universal Audit Automation solution with SES-specific alignment.

This add-on includes:
  • Mapping to SES request lists
  • Standardisation to SES document categories
  • Delivery of SES-aligned reporting formats

State-Specific Coverage Includes:
  • California – Homeowner Bill of Rights (HBOR) (Civil Code §§ 2923 & 2924) Coverage includes borrower outreach requirements, Single Point of Contact (SPOC) disclosures, loss mitigation processes, dual tracking restrictions, and foreclosure notice validation.
  • Kansas & New Hampshire Coverage includes state-specific requirements for loss mitigation, borrower communications, and recorded documentation.

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