NMLS #2269497

Servicing is not one process…it is actually two. 
Performing servicing is about scale and consistency. 
Default servicing is about risk, regulation, and recovery. 

Most institutions treat both as one unit — and that’s where things break. 

At UCLS, we separate the two so your internal team can focus on what it was built to do, while we manage the high-risk, high-scrutiny side of servicing. 

We are not a vendor…we are the partner you wish you had before your last audit. 

You will not find another UCLS, because no one else has developed default servicing through our innovative approach.

What We Do 
UCLS delivers component-based default servicing tailored to your portfolio, compliance environment, and operational reality. We provide: 
•	Loss Mitigation — Strategic borrower workout solutions that prioritize compliance
•	Foreclosure Oversight — Compliance-driven process management 
•	Post-Default Collections — Protecting assets and recovering value 
•	Regulatory Support — State-specific guidance and audit readiness 
•	Operational Consulting — Process reviews, risk assessments, and training 

Who We Serve 
•	Credit Unions (200–5,000 loans) without dedicated default teams 
•	Regional Banks looking for targeted compliance and recovery support 
•	Mortgage Servicers who need flexible, scalable default solutions 

Why UCLS is Different 
•	No Direct Competitor — We combine human expertise, component flexibility, and tailored servicing in a way no one else does 
•	Audit-Proofed Processes — Built to stand up to regulatory scrutiny across jurisdictions 
•	Low-Volume Ready — Ideal for institutions that don’t have the bandwidth for a full in-house default team 
•	Nationwide Reach — Compliance expertise across all 50 states 

📞 Don’t wait for an audit to find the gaps — let’s close them now 
 www.ucls.com | (860) 609-8283 

UCLS | Universal Component Lender Services

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UCLS | Universal Component Lender Services

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