September 10, 2025

Fueling Growth with Automation, Insights, and Engagement

This month’s release introduces a range of enhancements designed to streamline campaign planning, provide more visibility for managers, and improve personalization across channels. Each update is built to help your teams move faster and with greater precision as you work to win customers for life.

Looking Ahead

We’re laying the foundation for smarter, scalable growth heading into Q4 and beyond. Engage SMS will expand with call forwarding and enhanced usage reporting, while Customer Intelligence becomes even more powerful with a simplified setup to add Credit Improvement Alerts as well as the much-anticipated Multi-Bureau Credit Monitoring. Our AI Sales Assistant is proving value with Direct-To-Consumer and will soon be able to support retail lending use cases like periodic mortgage reviews and Customer Intelligence Rate Alerts. Lead Management remains in active development with the help of direct client feedback to ensure it meets the needs of your originators. Finally, our Fusion integration for Encompass remains on track for November, and we will begin the transition for our clients currently using the Encompass SDK.

A Value Multiplier for Your Ecosystem

Enrichment Values in Outbound Data Connector (ODC) Now Available

Use your enrichment data beyond Total Expert. This update expands your ability to enrich outbound payloads with actionable insights like:

• Estimated equity
• Customer rate and rate quotes

When enrichment data can be pushed to another system, like giving our AI Sales Assistant a better understanding of the contact’s refinance opportunity and last quoted rate, messaging and conversations have more context, which can deepen engagement and increase conversions.

📌 Note: Please consult your Total Expert representative before implementing this feature to ensure external system compatibility.

See last month's Release notes regarding the Push Loan Journey Action for ODC: 2025 Summer Release Notes

Engage SMS, In Your Inbox

Email Notifications for SMS Conversations – Coming Soon

Never miss a message. Engage SMS alerts will mirror to your email inbox, giving you a backup alert system that’s especially useful to for staying connected to your customers.

• Works alongside in-app and push notifications for full coverage
• Includes message preview + secure link to full thread
• Notifications sent from “messages@totalexpert.net”

📌 Note: Contact your CSM to have this feature turned on.

Improved Controls for Marketing Administrators

Scheduled Audience Generation in Campaign Builder – Coming Soon

Admins will have the flexibility to schedule when audiences are generated for Campaign Builder initiatives. Whether they prefer to generate audiences manually ahead of time or schedule automated audience builds prior to sending, this update enhances campaign precision and simplifies planning.

Highlights:

• Option to generate audience at the time of clicking “Run” or automatically updating the list prior to initial send

📌 Note: Over the past four months, improvements have been made to email performance, such as pre-processing emails for scheduled sends and modifications to how our platform handles journey-driven emails, resulting in a 90% reduction in send time. 

> Learn more about Campaign Builder Audience Generation

Fueling Relationship-Centered Marketing

Expert Content

This release adds more journeys, alerts, and seasonal content to help financial professionals engage across the entire customer lifecycle.

• General Savings Education journey:Customers can leverage this journey to engage with customers and prospects alike, educating about the benefits of saving and strategies to do so at any income level.
  > Strategy Guide
• Customer Intelligence Rate Alert and Customer Intelligence Credit Inquiry:Early Pay-Off (EPO) paths with enhanced user notification using enrichment data.
  > Rate Alert Strategy Guide
  > Credit Inquiry Strategy Guide
• Bank & Credit Union Corporate Email Signatures: Four new email signatures are available in the email content block gallery for banking and credit union customers. They are corporate-branded and intended to leverage profile information for a holding account user.
  > Strategy Guide
• Holiday emails: Formal and informal holiday emails based on existing social media posts have been published to the email gallery.
• Pre-qualified journey updates: Updated with more consistent messaging around pre-qualification and encourage potential borrowers to get pre-approved.
  > Strategy Guide

Small Wins. Big Impact.

Sometimes the smallest enhancements make the biggest difference. This release brings targeted updates across four key areas that simplify workflows, strengthen oversight, and accelerate daily productivity.

Sales Manager Dashboard

Expanded dashboards convert activity into action. Managers get one place to see momentum, remove roadblocks, and direct effort where it drives units and funded volume. Updates include:

• Current Pipeline funnel + user level details: See Created → Applications → Locked → Funded at a glance, pinpoint bottlenecks by user, and forecast with greater confidence.
• Top & Bottom Users by Funded Loans: Side by side charts surface leaders for fast recognition and help identify opportunities for remediation.
• Referral Partner performance visuals & richer agent grids: Quickly rank buyers’ and sellers’ Agents by loan units and funded volume, then sort or drill to target the partners who actually move production.
• User Activity task widgets: Top creators, task mix (Manual/Journey/Focused View), and completion rates spotlight workload, automation impact, and coaching opportunities.
• Customer Intelligence indicators: Contacts with Alerts, Application Volume, and Funded Volume help identify how the insights are converting into outcomes.
• Customer Intelligence Conversion Metrics UX pass: Normalized “last month” views, location filtering, repaired indicators, and clarifying tooltips build trust in KPIs and make comparisons easier.

Rate Enhancements

Cleaner outputs, fewer pricing exceptions, and a smoother quote to lock experience for loan officers and borrowers:

• Polly APR saved to three decimals: Ensures the Polly integration limits APR values to three decimals, so emails and flyers display clean, consistent rates instead of unintended 14-decimal figures.
• Prepayment Penalty Term in Rate Quote: Captures the required term and passes it to pricing engines (Optimal Blue/Polly) correctly, reducing rework and lock errors.

Mobile App

Updates to our mobile messaging app that align with the most recent requirements from Apple and Google to ensure compatibility with new or updated operating systems and APIs while maintaining stability and improving app performance. 

Content Marketing

Usability upgrades that protect the brand and help speed up publishing:

• Native Zoom Controls in Template Editor: Built-in zoom slider (50%–800%), fit to viewport toggle, and alignment fix replace legacy tools, giving content creators precise control when previewing assets.
• PDF Generator Increased DPI to 300: All PDFs now render at higher resolution for sharper, more professional outputs without impacting formatting.
• Improved search across content management pages: Improved ranking surfaces the most relevant templates first as a “Best Match" when searching in Print/Social "Create New," "Saved Pages," and "Manage Templates." These updates bring consistency across content workflows, making it faster and easier to find the right templates and assets.
• Expanded Email Builder “Link To” options: Add sender and co-marketing URLs (site, X, YouTube, LinkedIn, Instagram, etc.) without manual tags.
• Emoji support in social captions: Accurate counting, storage, preview, and publishing across Meta, LinkedIn, and X for on-brand expressiveness.
• Social Media Report team filter cap increased to 50: Large orgs can now see all relevant teams.
• Lock Branding Snippets when Brand Lite is enabled: Enforces a single source of truth and prevents conflicting edits outside the Branding Configuration Tool.

Platform Improvements

Easier to understand your org's use of unique fields.

• Custom field indicator in lists: A subtle blue dot marks custom columns in Pipeline and Lead List so users instantly understand what’s standard vs. org specific.
  
  

> Learn more about Custom Fields

Wrap-Up

From momentum-building automation to deeper insights and richer engagement, this release sets the stage for continued growth and efficiency across your business.

Plus, we hope to see you at our annual user conference, Accelerate, in November, where innovation takes center stage. Join peers, partners, and the Total Expert team to explore the latest strategies, tools, and success stories shaping the future of lending and financial services.

Thank you for being part of the Total Expert community. We’re excited to continue building what’s next together.