Encompass Consumer Connect Services Dependencies Field Guide

When a borrower enters data into a loan and submits the loan in Encompass Consumer Connect, the data from that loan is copied to a corresponding file in Encompass. Each field in the Consumer Connect 1003 maps directly to a field on the 1003 in Encompass. Some of these fields are required to run the Verification, Order Credit, EPPS, Underwriting, Velocify and other services.

Required Fields for Services

When a service is enabled in the loan application workflow, Encompass Consumer Connect automatically updates the loan application to display the fields that are passed to the service provider. Fields that are passed to the service provider can be identified in the loan application editor by a Show status of Services On (). These fields cannot be hidden in the application.

When a passed field is required by the service provider, the Required check box is selected and dimmed automatically. If the passed field is optional, the Required check box is editable and can be cleared by the lender if needed.

This page contains the fields that are required for services. Click on a service to view the required fields.

Closed Asset Verification Service

ClosedAsset Verification Service: Finicity

The following fields are automatically set to Show in the loan application when the Asset Verification Service is enabled with Finicity as the provider. It also shows the fields that are required by Finicity to run the service.

VOA: Finicity

Consumer Connect Field Name

 Encompass Field Name / ID Required?
Borrower Information    
First Name Borrower First Name / 4000 Yes
Last Name Borrower Last Name / 4002 Yes
Email (Borrower) Borrower Email / 1240 No*
Date of Birth Date of Birth / 1402 No
Social Security Number Social Security Number / 65 No
Home Phone Home Phone / 66 No

Address 1

Street Address / BR0126 No
Unit Type Unit Type / BR0125 No
Unit # Unit # / BR0127 No
City City / BR0106 No
State State / BR0107 No
Zip Code Zip / BR0108 No
Select Type of Asset Depository Account 1 Type / DD0008 No
Co-Borrower Information    
First Name Co-Borrower First Name / 4004 Yes
Last Name Co-Borrower Last Name / 4006 Yes
My co-borrower's email address is: Co-Borrower Email / 1268 No*
My co-borrower's date of birth is: Date of Birth / 1403 No
My co-borrower's social security number is: Social Security Number / 97 No
Home Phone Home Phone / 66 No

Address 1

Street Address / CR0126 No
Unit Type Unit Type / CR0125 No
Unit # Unit # / CR0127 No
City City / CR0106 No
State State / CR0107 No
Zip Code Zip / CR0108 No

*This field is optional, however, the Required check box is selected automatically. The lender can make the field optional by clearing the check box.

ClosedAsset Verification Service: FormFree

The following fields are automatically set to Show in the loan application when the Asset Verification Service is enabled with FormFree as the provider:

VOA: FormFree

Consumer Connect Field Name

 Encompass Field Name / ID Required?
Borrower Information    
First Name Borrower First Name / 4000 Yes
Last Name Borrower Last Name / 4002 Yes
Email Borrower Email / 1240 No*
Select Type of Asset Depository Account 1 Type / DD0008 No

*This field is optional, however, the Required check box is selected automatically. The lender can make the field optional by clearing the check box.

Closed Automated Underwriting Service

Important! When the Underwriting service is enabled, Encompass Consumer Connect does not automatically update the Loan App Settings or check to ensure the required fields are displayed in the application. For this service to run successfully, administrators must make sure all dependent fields for Underwriting listed on this page are enabled in the application.

AUS

Consumer Connect Field Name

 Encompass Field ID Notes
Borrower Information    
First Name Borrower First Name / 4000  
Last Name Borrower Last Name / 4002  
Social Security Social Security Number / 65  

Address 1

Street Address / BR0126  
City City / BR0106  
State State / BR0107  
Zip Code Zip / BR0108  
Co-Borrower Information    
First Name Co-Borrower First Name / 4004  
Last Name Co-Borrower Last Name / 4006  
Social Security Social Security Number / 97  
Address 1 Street Address / CR0126  
City City / CR0106  
State State / CR0107  
Zip Code Zip / CR0108  

Estimated Credit Score

OR

Credit Score from Report

   
Loan Details    
Estimated Purchase Price Purchase Price / 136  
Requested Loan Amount Loan Amount / 1109  
City (Subject Property) City / 12  
State (Subject Property) State / 14  
Zip Code (Subject Property) Zip / 15  
Property Type Property Type / 1041, 1553  
Total Borrower Income Borrower Total / BE0112  
Estimated Property Value Estimated Value / 1821  
Down Payment Amount Down Payment / 1335

If Loan Type is FHA and Source of Down Payment is Gift Funds

or

If Loan Type is VA and Loan Purpose is Purchase

Source of Down Payment Source of Down Payment, Source/EIN
/ 34, 3009

If Loan Type is FHA and Source of Down Payment is Gift Funds

or

If Loan Type is VA and Loan Purpose is Purchase

Explanation of Gift Explanation of Down Payment / 191

If Loan Type is FHA and Source of Down Payment is Gift Funds

or

If Loan Type is VA and Loan Purpose is Purchase

Estate will be held in... Estate will be held in / 1066  
Number of Units Number of Units / 16  
Borrower Declarations    
b. Have you been declared bankrupt within the past 7 years? b. Have you been declared bankrupt in the past 7 years? / 265  
c. Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years? c. Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years? / 170  
j. Are you a U.S. citizen? j. Are you a U.S. citizen? / 965  
l. Do you intend to occupy the property as your primary residence? l. Do you intend to occupy the property as your primary residence? / 418  
Co-Borrower Declarations    
b. Have you been declared bankrupt within the past 7 years? b. Have you been declared bankrupt in the past 7 years? / 266  
c. Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years? c. Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years? / 176  
j. Are you a U.S. citizen? j. Are you a U.S. citizen? / 985  
l. Do you intend to occupy the property as your primary residence? l. Do you intend to occupy the property as your primary residence? / 1343  

Closed Employment and Income Verification Service

The following fields are required to run the Income Verification Service:

VOE

Consumer Connect Field Name

 Encompass Field Name / ID
Borrower Information  
First Name Borrower First Name / 4000
Last Name Borrower Last Name / 4002
Email Borrower Email / 1240
Date of Birth Date of Birth / 1402
Social Security Number Social Security Number / 65
Co-Borrower Information  
First Name Co-Borrower First Name / 4004
Last Name Co-Borrower Last Name / 4006
Social Security Number Social Security Number / 97

Closed Encompass Product and Pricing (EPPS) Service

Considerations:

If... Then...
Credit is ordered and successful

The credit score in Encompass is used for qualifying.

IF credit is ordered for both borrower and co-borrower, the median score from both Borrower and Co-borrower is sent to EPPS. However, the lowest of the 2 scores is used to qualify.
Credit is ordered but failed The borrower can enter an estimated credit score.

EPPS

The following table lists the fields that are automatically set to Show in the loan application when the Product and Pricing Service is enabled with EPPS as the provider. It also shows the fields that are required by EPPS to run the service.

Consumer Connect Field Name

 Encompass Field ID Required?

Estimated Credit Score

OR

Credit Score from Report

 
Loan Details  
Loan Purpose Loan Purpose / 19  
Estimated Purchase Price Purchase Price / 136  
Estimated Value Estimated Value / 1821  
Requested Loan Amount Loan Amount / 1109  
Your Loan Amount Loan Amount / 1109  
Property Details  
City City / 12  
State State / 14  
Zip Code Zip / 15  
Property Type Property Type / 1041, 1553  
Property Use Property Will Be / 1811  
Construction Details  
Estimated Value at Completion of Construction Estimated Value / 1821  
Employment and Income  
Employer Name Employer Name / BE0102  
Borrower Gross Monthly Income  
Foreign Income Foreign Income / BE0175  
Total Borrower Income Borrower Total / BE0112  

*This field is optional, however, the Required check box is selected automatically. The lender can make the field optional by clearing the check box.

ClosedHomeowners Insurance Service Dependencies Field Guide

In order for the Homeowners Insurance Service to run successfully, the following fields must be populated in the loan file. Some of these fields are required for Encompass to trigger the Ready for Homeowners Insurance Request Triggering Event workflow rule, and some fields are required for Consumer Connect to create the borrower task.

Refer to the Homeowners Insurance Service setup and user guide for detailed information about setting up and using this service, along with borrower workflows that walk you through the homeowners insurance shopping experience in Encompass Consumer Connect.

Field Name Encompass Field ID Required for…
Intent to Proceed 3164 Workflow rule triggering event. This field must be set and checked.
Subject Property Street Address 11

Consumer Connect borrower task creation

And

Workflow rule triggering event. This field must be populated with an address. If it is TBD, the workflow rule will not trigger.

Subject Property City 12 Consumer Connect borrower task creation.
Subject Property State 14 Consumer Connect borrower task creation.
Subject Property Zip Code 15 Consumer Connect borrower task creation.
Subject Property Type 1041, 1553

Consumer Connect borrower task creation.

Only Single Family Homes are supported with this integration. The Subject Property Type must be one of the following:

  • Attached

  • Detached

  • PUD

In addition, the Number of Units must be null or 1.

Borrower First Name 4000 Workflow rule triggering event.
Borrower Last Name 4002 Workflow rule triggering event.

One of the following:

- Borrower Cell Phone

- Borrower Home Phone

- Borrower Work Phone

 

1490

66

4533

Workflow rule triggering event. To trigger the workflow rule, one of these fields must be populated.
Borrower Home Email 1240 Workflow rule triggering event.
Consumer Connect Site ID   Workflow rule triggering event. This field is populated when the Consumer Connect site or borrower widget is created.

Closed Order Credit Service

The following fields are required to order credit:

Consumer Connect Field Name Encompass Field Name / ID
Borrower Information  
First Name Borrower First Name / 4000
Last Name Borrower Last Name / 4002
Social Security Number Social Security Number / 65

Address 1

Street Address / BR0126
City City / BR0106
State State / BR0107
Zip Code Zip / BR0108
Co-Borrower Information  
First Name Co-Borrower First Name / 4004
Last Name Co-Borrower Last Name / 4006
Social Security Number Social Security Number / 97
Address 1 Street Address / CR0126
City City / CR0106
State State / CR0107
Zip Code Zip / CR0108

The above fields cannot be edited after the credit report is successfully ordered.

When a credit report is returned, the following fields are mapped to Encompass:

Credit Field Name Encompass Field ID
Credit Reference # Credit Reference # / 300
Borrower Information  
Authorized Credit Report 4073
Date Authorized 4074
Authorization Method 4075
Experian/FICO 67
Transunion/Emirica 1450
Equifax/Beacon 1414
Minimum Required FICO 1484
Co-Borrower Information  
Authorized Credit Report 4076
Date Authorized 4077
Authorization Method 4078
Experian/FICO 60
Transunion/Emirica 1452
Equifax/Beacon 1415
Minimim Required FICO 1502

Closed Payment Service

There are no field dependencies for this service.

ClosedVelocify Service

When the Velocify service is enabled, Encompass Consumer Connect automatically updates the Loan App Settings to display the fields that are required to run the service successfully. When enabled, the Show check box for each required field is replaced with the Services On icon on the Loan App Settings page. These fields cannot be hidden in the application.

The following fields are required to order credit:

Consumer Connect Field Name Encompass Field Name / ID
Borrower Information  
First Name Borrower First Name / 4000
Last Name Borrower Last Name / 4002

One form of contact information, such as:

  • My cell phone is:
  • My home phone number is:
  • My email address is:
  • Address (Address Line 1, City, State, and Zip Code)

One form of contact information, such as:

  • Cell Phone / 1490
  • Home Phone / 66
  • Borrower Email / 1240
  • Address / BR0126, BR0106, BR0107, BR0108
Co-Borrower Information  
First Name Co-Borrower First Name / 4004
Last Name Co-Borrower Last Name / 4006

One form of contact information, such as:

  • What is the co-borrower's cell phone number?
  • What is the co-borrower's home phone number?
  • My co-borrower's email address is:
  • Address (Address Line 1, City, State, and Zip Code)

One form of contact information, such as:

  • Cell Phone / 1480
  • Home Phone / 98
  • Borrower Email / 1268
  • Address /CR0126, CR0106, CR0107, CR0108

Velocify Lead Manager: Encompass Consumer Connect and Encompass (Web Version) Field Mapping

The following table lists the fields that are passed from incomplete loan applications to Velocify Lead Manager. These fields are also passed from Velocify Lead Manager and the web version of Encompass to pre-populate a new loan application in Encompass Consumer Connect.

Consumer Connect Field Name Encompass Field ID Velocify Field
Total Borrower income 910 Base Income
Client IP Address Client IP Address
What is the contract closing date? 4114 Close Date
Estimated Borrower Credit Score Credit Score
Estimated Co-Borrower Credit Score Credit Score (Co-Borrower)
Date of Birth 1402 Date of Birth
Date of Birth (Co-Borrower) 1403 Date of Birth (Co-Borrower)
Down Payment Amount 1335 Down Payment Amount
Email 1240 Email
Email (Co-Borrower) 1268 Email (Co-Borrower)
Employer Name BE0102 Employer Name
Home Phone 66 Evening Phone
Home Phone (Co-Borrower) 98 Evening Phone (Co-Borrower)
Estimated Value 1821 Existing Home Value
Loan Amount 1109 First Loan Amount
First Name 4000 First Name
First Name (Co-Borrower) 4004 FirstName (Co-Borrower)
Property Usage 1811 Intended Property Use
Interest Rate 3 Interest Rate (%)
Last Name 4002 Last Name
Last Name (Co-Borrower) 4006 Last Name (Co-Borrower)
User Id Lead.Agent
Current Loan Amount 26, 3052 Loan Amount
Purpose of Loan 19 Loan Purpose
HDMA Purpose of Loan 19 HMDALoanPurpose
LTV Loan To Value (LTV)
Borrower Marital Status 52 Marital Status
Co-Borrower Marital Status 84 Marital Status (Co-Borrower)
Borrower Cell Phone 1490 Mobile Phone
What was the original price of the home? 25 Original Cost
Property Address 11 Property Address
HDMA Property Address 11 Property Address
Property City 12 Property City
HDMA Property City 12 Property City
Property State 14 Property State
HDMA Property State 14 Property State
Property Zip Code 15 Property Zip Code
HDMA Property Zip Code 15 Property Zip Code
Purchase Price 136 Purchase Price
Loan number Ref Id
Total Assets 732 Total Assets
Total Co-Borrower Income CE0112 Co-Borrower Total
Refinance Property Year Acquired 24 Year Acquired