GSE Integrations and Services 25.1 Major Release: Feature Enhancements

• Xpath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ORIGINATION_FUNDS/ORIGINATION_FUND

• Data Points & Field IDs:

  • FundsSourceType | URLARAL0133 (repeatable)

  • FundsSourceTypeOtherDescription | same field id as FundsSourceType (URLARAL0133)

• Logic: Send the value from Source of Funds field (field ID URLARAL0133) as shown below:

  

• XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/SUBJECT_PROPERTY/HAZARD_INSURANCES/HAZARD_INSURANCE

• Data Points/Logic:

  • HazardInsuranceEscrowedIndicator

  • If Hazard Insurance Monthly Amount field ID 230 is present (greater than zero) AND NEWHUD.X339 is checked, then send 'True' to Hazard InsuranceEscrowedIndicator.

  • If Hazard Insurance Monthly Amount field ID 230 is present (greater than zero) AND NEWHUD.X339 is NOT checked, then send 'False' to Hazard InsuranceEscrowedIndicator.

  • If Hazard Insurance Monthly Amount field ID 230 is not present, then do not send HazardInsuranceEscrowedIndicator.

  • HazardInsurancePolicyIdentifier

  • If Policy Number field ID VEND.X166 is present, then send that value to HazardInsurancePolicyIdentifier. Otherwise, do not export.

  • HazardInsuranceCoverageAmount

  • If Coverage Amount field ID VEND.X445 is present, then send that value to HazardInsuranceCoverageAmount. Otherwise, do not export.

• XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_OF_LOAN

• Data Point: NoteDate

• Logic: If 'Document Date' field ID L770 is present, export that date to NoteDate. Otherwise, do not export.

• iLAD Format: Date YYYY-MM-DD

• XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/BORROWER_DETAIL

• Data Point: BorrowerClassificationType

• Valid Enumerations:

  • Primary

  • Secondary

• Logic: Export 'Primary' if it's the Borrower of the first borrower pair, otherwise export 'Secondary' for all other borrowers. When borrower pairs are present, only the first borrower on the loan should be sent as 'Primary'. All other borrowers should be sent as 'Secondary'.

• XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ADDRESSES/ADDRESS

• Data Point: PostalCode

• Logic:

  • If 'Zip' field ID 621 for Appraiser is present, export the value to PostalCode. If not present, then do not export.

  • Format is String 9.

  • If field is entered with a '-' hyphen as shown below, we should remove hyphen to send numeric digits only. Field ID 621 will not allow more than 9 numeric digits. If the user enters less than 9 numeric digits, then that is the value we will export. Example: 95407-22 - we would send 9540722

  • PartyRoleType of Appraiser will only export when an Appraiser Name is present in field ID 617. This attribute will apply in the same manner as all other elements for appraiser. Therefore, the 'Zip' field ID 621 for Appraiser will only export when an Appraiser Name field ID 617 is present.

• XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/REFINANCE

• Data Point: CurrentFirstMortgageHolderType

• Logic:

  • If 'Owner of existing mortgage' field ID 991 shows Fannie Mae checked, then export 'FNM' to CurrentFirstMortgageHolderType.

  • If 'Owner of existing mortgage' field ID 991 shows Freddie Mac checked, then export 'FRE' to CurrentFirstMortgageHolderType.

  • If 'Owner of existing mortgage' field ID 991 shows Seller/Other checked, then export 'Other' to CurrentFirstMortgageHolderType.

  • If 'Owner of existing mortgage' field ID 991 has no values checked, then export 'Unknown' to CurrentFirstMortgageHolderType.

• iLAD Enumerations:

  • FNM

  • FRE

  • Other

  • Unknown

• XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/SERVICES/SERVICE/CREDIT/CREDIT_RESPONSE/CREDIT_RESPONSE_DETAIL

• Data Point: CreditReportFirstIssuedDate

• Logic:

  • If field ID 5040 contains a date, export this to CreditReportFirstIssuedDate. Otherwise, do not export.

  • Field ID 5040 is a borrower-pair level field, we will only export for primary pair.

• XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FEE_INFORMATION/FEES_SUMMARY/FEE_SUMMARY_DETAIL

• Data Points:

  • FeeSummaryTotalAmountFinancedAmount

  • FeeSummaryTotalFinanceChargeAmount

• Logic:

  • If 'Amount Financed' field ID 948 is present, export that value to FeeSummaryTotalAmountFinancedAmount. Otherwise, do not export.

  • If 'Finance Charge' field ID 1206 is present, export that value to FeeSummaryTotalFinanceChargeAmount. Otherwise, do not export.

• XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ESCROW/ESCROW_DISCLOSURES/ESCROW_DISCLOSURE

• Data Points:

  • EscrowAccountActivityCurrentBalanceAmount

  • EscrowAccountActivityPaymentDescriptionType

  • EscrowAccountActivityPaymentDescriptionTypeOtherDescription

• Logic:

  • if a value in field 656 exists, then send 'HazardInsurance' to EscrowAccountActivityPaymentDescriptionType AND send the value from field 656 to EscrowAccountActivityCurrentBalanceAmount

  • if a value in field 338 exists, then send 'MortgageInsurance' to EscrowAccountActivityPaymentDescriptionType AND send the value from field 338 to EscrowAccountActivityCurrentBalanceAmount

  • if a value in field 655 exists, then send 'CountyPropertyTax' to EscrowAccountActivityPaymentDescriptionType AND ** send the value from field 655 to * EscrowAccountActivityCurrentBalanceAmount{}{*}

  • if a value in field L269 exists, then send 'CityPropertyTax' to EscrowAccountActivityPaymentDescriptionType AND send the value from field L269 to EscrowAccountActivityCurrentBalanceAmount

  • if a value in field 657 exists, then send 'FloodInsurance' to EscrowAccountActivityPaymentDescriptionType AND send the value from field 657 to EscrowAccountActivityCurrentBalanceAmount

  • if a value in NEWHUD.X1708 exists, then send 'USDAAnnualFee' to EscrowAccountActivityPaymentDescriptionType AND send the value from field NEWHUD.X1708 to EscrowAccountActivityCurrentBalanceAmount

  • if field(s) 1628/660/661 starts with or has the word 'earthquake' in it AND a value exists in the corresponding borrower column (fields 1631/658/659) then send 'EarthquakeInsurance' to EscrowAccountActivityPaymentDescriptionType AND send the value from field(s) 1631/658/659 to EscrowAccountActivityCurrentBalanceAmount

  • if field(s) 1628/660/661 starts with or has the word 'assessment' in it AND a value exists in the corresponding borrower column (fields 1631/658/659) then send 'Assessment' to EscrowAccountActivityPaymentDescriptionType AND send the value from field(s) 1631/658/659 to EscrowAccountActivityCurrentBalanceAmount

  • if field(s) 1628/660/661 starts with or has the word 'school' in it AND a value exists in the corresponding borrower column (fields 1631/658/659) then send 'SchoolPropertyTax' to EscrowAccountActivityPaymentDescriptionType AND send the value from field(s) 1631/658/659 to EscrowAccountActivityCurrentBalanceAmount

  • if field(s) 1628/660/661 starts with or has the word 'town' in it AND a value exists in the corresponding borrower column (fields 1631/658/659) then send 'TownPropertyTax' to EscrowAccountActivityPaymentDescriptionType AND send the value from field(s) 1631/658/659 to ** EscrowAccountActivityCurrentBalanceAmount **

  • if field(s) 1628/660/661 starts with or has the word 'village' in it AND a value exists in the corresponding borrower column (fields 1631/658/659) then send 'VillagePropertyTax' to EscrowAccountActivityPaymentDescriptionType AND send the value from field(s) 1631/658/659 to ** EscrowAccountActivityCurrentBalanceAmount **

  • if field(s) 1628/660/661 starts with or has the word 'windstorm' in it AND a value exists in the corresponding borrower column (fields 1631/658/659) then send 'WindstormInsurance' to EscrowAccountActivityPaymentDescriptionType AND send the value from field(s) 1631/658/659 to ** EscrowAccountActivityCurrentBalanceAmount **

  • if field(s) 1628/660/661 start with or contain something other than the above AND a value exists in the corresponding borrower column (fields 1631/658/659) then send 'Other' to EscrowAccountActivityPaymentDescriptionType and then send the value from 1628/660/661 to EscrowAccountActivityPaymentDescriptionTypeOtherDescription AND send the value from field(s) 1631/658/659 to ** EscrowAccountActivityCurrentBalanceAmount **

• XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/DECLARATION/DECLARATION_DETAIL

• Data Point: LoanForeclosureOrJudgmentIndicator

• Logic:

  • Primary Borrower: If 'Have you been obligated on any loan resulted in foreclosure, transfer of title in lieu of foreclosure, or judgement?' field ID 1057 primary borrower is Y, then export 'true'; if N, then export 'false'; if null, then do not export. Export to PartyRoleType = "Borrower" AND BorrowerClassificationType = "Primary"

  • CoBorrower: If 'Have you been obligated on any loan resulted in foreclosure, transfer of title in lieu of foreclosure, or judgement?' field ID 1197 coborrower is Y, then export 'true'; if N, then export 'false'; if null, then do not export. Export to PartyRoleType = "Borrower" AND BorrowerClassificationType = "Secondary".

• XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/UNDERWRITING/AUTOMATED_UNDERWRITINGS/AUTOMATED_UNDERWRITING

• Data Point: AutomatedUnderwritingRecommendationDescription

• Format: String as Enumerated

• Logic:

  • If ULDD.FNM.AutoUWDec is present, export that value (with spaces removed) to AutomatedUnderwritingRecommendationDescription.

  • If ULDD.FNM.AutoUWDec is not present and ULDD.FRE.AutoUWDec is present, export that value (with spaces removed) to AutomatedUnderwritingRecommendationDescription.

  • If both ULDD.FNM.AutoUWDec and ULDD.FRE.AutoUWDec are present, export the value from ULDD.FNM.AutoUWDec to AutomatedUnderwritingRecommendationDescription

  • If there are no values in both ULDD.FNM.AutoUWDec and ULDD.FRE.AutoUWDec, the do not export AutomatedUnderwritingRecommendationDescription.

The tables below show the enumerations for each of these fields that can be present on a loan. As written in the logic above, if both are present, we will send Freddie Mac/Fannie Mae value.

• Freddie Mac Enumerations

  

• Fannie Mae Enumerations

  

• XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/SUBJECT_PROPERTY/PROPERTY_VALUATIONS/PROPERTY_VALUATION/PROPERTY_VALUATION_DETAIL

• Attributes & Field IDs:

  • PropertyValuationMethodType | ULDD.X29

  • PropertyValuationMethodTypeOtherDescription | ULDD.X190

• Logic for PropertyValuationMethodType:

  • if ULDD.X29 equals Automated Valuation Model, then send 'AutomatedValuationModel' to PropertyValuationMethodType

  • if ULDD.X29 equals Desktop Appraisal, then send 'DesktopAppraisal' to PropertyValuationMethodType

  • if ULDD.X29 equals Drive By, then send 'DriveBy' to PropertyValuationMethodType

  • If ULDD.X29 equals Full Appraisal, then send 'FullAppraisal' to PropertyValuationMethodType

  • if ULDD.X29 equals None, then send 'None' to PropertyValuationMethodType

  • if ULDD.X29 equals Prior Appraisal Used, then send 'PriorAppraisalUsed' to PropertyValuationMethodType

  • if ULDD.X29 equals Other, then send 'Other' to ** PropertyValuationMethodType

• Logic for PropertyValuationMethodTypeOtherDescription:

  • Send as shown below if ULDD.X29 equals Other, or else do not send.

    • if ULDD.X190 equals Desk Review, then send 'DeskReview' to PropertyValuationMethodTypeOtherDescription

    • if ULDD.X190 equals Field Review, then send 'FieldReview' to PropertyValuationMethodTypeOtherDescription

    • If ULDD.X190 equals Hybrid Appraisal, then send 'HybridAppraisal' to PropertyValuationMethodTypeOtherDescription

• XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_LEVEL_CREDIT/LOAN_LEVEL_CREDIT_DETAIL

• Data Point/Logic:

  • LoanLevelCreditScoreSelectionMethodType

    • If 'Loan Level Credit Score? Method' field ID ULDD.X102 is Average Then Average, then export AverageThenAverage to LoanLevelCreditScoreSelectionMethodType.

    • If 'Loan Level Credit Score? Method' field ID ULDD.X102 is Middle or Lower Then Average, then export MiddleOrLowerThenAverage to LoanLevelCreditScoreSelectionMethodType.

    • If 'Loan Level Credit Score? Method' field ID ULDD.X102 is Middle or Lower Then Lowest, then export MiddleOrLowerThenLowest to LoanLevelCreditScoreSelectionMethodType.

    • If 'Loan Level Credit Score? Method' field ID ULDD.X102 is other, then export Other to LoanLevelCreditScoreSelectionMethodType.

    • If 'Loan Level Credit Score? Method' field ID ULDD.X102 is null, then do not export LoanLevelCreditScoreSelectionMethodType.

  • LoanLevelCreditScoreSelectionMethodTypeOtherDescription

    • If 'Loan Level Credit Score? Method' other description dropdown field ID ULDD.X103 is present, then export that value to LoanLevelCreditScoreSelectionMethodTypeOtherDescription. This is a string value format in the export. Currently, the only value available for selection is 'Seller Specific'. If this is present, then send Seller Specific to LoanLevelCreditScoreSelectionMethodTypeOtherDescription. Otherwise, if ULDD.X103 is null, then do not export.

    • LoanLevelCreditScoreValue

    • If 'Loan Level Credit Score Value' field ID VASUMM.X23 has a value, then export that value to LoanLevelCreditScoreValue. Otherwise, if VASUMM.X23 is null, then do not export.

• XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FEE_INFORMATION/FEES_SUMMARY/FEE_SUMMARY_DETAIL

• Data Point: FeeSummaryTotalOfAllPaymentsAmount

• Logic: If 'Total of Payments' field ID CD5.X1 is present, export value to FeeSummaryTotalOfAllPaymentsAmount. Otherwise, do not export.

• iLAD Format: Amount 9.2

• XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/DISCLOSURES/DISCLOSURE/DISCLOSURE_DETAIL

• Data Point: DisclosureIssuedDate

• Logic: If 'Last CD Sent Date' field ID CD1.X47 is present, export that date to DisclosureIssuedDate. Otherwise, do not export.

• XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/SUBJECT_PROPERTY/PROPERTY_VALUATIONS/PROPERTY_VALUATION/PROPERTY_VALUATION_DETAIL

• Data Point: PropertyValuationEffectiveDate

• Field ID: ULDD.X30

• Logic: If a value exists in field ULDD.X30 (Property Valuation Effective Date) then send that value to PropertyValuationEffectiveDate or else do not send.

• XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FEE_INFORMATION/FEES_SUMMARY/FEE_SUMMARY_DETAIL

• Data Point: APRPercent

• iLAD Format: Percent 3.4

• Logic: If Annual Percentage Rate (APR) field ID 799 is present, export that value to APRPercent. Otherwise, do not export.

• XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/QUALIFICATION

• Data Point: TotalMonthlyIncomeAmount

• Logic: If 'Total Income' field ID 1389 is present, export that value to TotalMonthlyIncomeAmount. Otherwise, do not export.

• iLAD Format: Amount 9.2

• OWNED_PROPERTY Container

  • Xpath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/OWNED_PROPERTY/PROPERTY/PROPERTY_DETAIL/EXTENSION/OTHER/ilad:PROPERTY_DETAIL_EXTENSION

  • Attribute: ilad:RentalOccupancyFactorNumber

  • Logic:

    • if field FM0126 (repeating) is not null, then send the value from FM0126 to ilad:RentalOccupancyFactorNumber

    • else do not send ilad:RentalOccupancyFactorNumber under the OWNED_PROPERTY container

• SUBJECT_PROPERTY Container

  • Xpath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/SUBJECT_PROPERTY/PROPERTY_DETAIL/EXTENSION/OTHER/ilad:PROPERTY_DETAIL_EXTENSION

  • Attribute: ilad:RentalOccupancyFactorNumber

  • Logic:

    • if field 1487 is not null, then send the value from 1487 to ilad:RentalOccupancyFactorNumber

    • else do not send ilad:RentalOccupancyFactorNumber under the SUBJECT_PROPERTY container

• XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/QUALIFICATION

• Data Point: TotalLiabilitiesMonthlyPaymentAmount

• Logic: If 'Total Monthly Payments' field ID 1742 is present, export that value to TotalLiabilitiesMonthlyPaymentAmount. Otherwise, do not export.

• iLAD Format: Amount 9.2

• XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSING_INFORMATION/CLOSING_INFORMATION_DETAIL

• Data Points: LoanEstimatedClosingDate

• Date Format: YYYY-MM-DD

• Logic: If 'Est Closing Date' field ID 763 is present, export this date to LoanEstimatedClosingDate. Otherwise, do not export.

• XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/SUBJECT_PROPERTY/SALES_CONTRACTS/SALES_CONTRACT/SALES_CONTRACT_DETAIL

• Data Point: SalesContractDate

• Logic: If 'Sales Contract Date' field ID 3855 is present then send that value, otherwise do not send.

• XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/EMPLOYERS/EMPLOYER/EMPLOYMENT

• Data Points:

  • EmploymentMonthsOnJobCount

  • EmploymentYearsOnJobCount

• Logic:

  • If00 BE0013/CE0013 (Borrower/CoBorrower | Years in this Job) has a value AND BE0009/CE0009 (Borrower/CoBorrower | Employment Is) equals "Current" then send the value from BE0013/CE0013 to EmploymentYearsOnJobCount

  • if BE0033/CE0033 (Borrower/CoBorrower | Months in this Job) has a value AND BE009/CE0009 (Borrower/CoBorrower | Employment Is) equals "Current" then send the value from BE0033/CE0033 to EmploymentMonthsOnJobCount

  • If BE0013/CE0033 (Borrower/CoBorrower | Years in this Job) has a value AND BE0009/CE0009 (Borrower/CoBorrower | Employment Is) equals "Prior" then send the value from BE0013/CE0013 to EmploymentYearsOnJobCount

  • if BE0033/CE0033 (Borrower/CoBorrower | Months in this Job) has a value AND BE0009/CE0009 (Borrower/CoBorrower | Employment Is) equals "Prior" then send the value from BE0033/CE0033 to EmploymentMonthsOnJobCount

  • if no value exists in those fields, then do not export EmploymentYearsOnJobCount/EmploymentMonthsOnJobCount

The following ULDD Phase 5 mapping updates are included in this release:

• SID 411 | LenderPaidMIInterestRateAdjustmentPercent no longer exported (GSE-34884, GSE-34885): Both Freddie Mac and Fannie Mae have removed SID 411 from their specifications. To support this update, SID 411 (LenderPaidMIInterestRateAdjustmentPercent) is no longer sent with the export, so that Freddie Mac and Fannie Mae do not throw a fatal error.

• Support for new data point SID 430.1 | MIInterestRateAdjustmentPercent

  • Freddie Mac (GSE-31369): [Supported on Encompass 24.3 and later versions]

    • Xpath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/MI_DATA/MI_DATA_DETAIL/EXTENSION/OTHER/MI_DATA_DETAIL_EXTENSION

    • Sort ID: 430.1

    • Field ID: ULDD.X217

    • Attribute: MIInterestRateAdjustmentPercent

    • Logic:

    • Send the value from field ULDD.X217 (MI Interest Rate Adjustment Percent) if it exists.

    • If no value in ULDD.X217 exists, then do not send

  • Fannie Mae (GSE-33936): [Supported on Encompass 25.1 and later versions]

    • Xpath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/MI_DATA/MI_DATA_DETAIL/EXTENSION/OTHER/MI_DATA_DETAIL_EXTENSION

    • Sort ID: 430.1

    • Field: ULDD.FNM.X7

    • Attribute: MIInterestRateAdjustmentPercent

    • Logic: If ULDD.X49 (Mortgage Insurance Premium Source Type) = 'Lender' or 'Borrower' then do the below mapping:

      • Send the value from field ULDD.FNM.X7 (MI Interest Rate Adjustment Percent) if it exists

      • If no value in ULDD.FNM.X7 exists, then send 0.00

• Support for new data point SID 430.2 | MIPremiumPlanType [Encompass 24.3 and later versions]

  • Xpath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/MI_DATA/MI_DATA_DETAIL/EXTENSION/OTHER/MI_DATA_DETAIL_EXTENSION

  • Sort ID: 430.2

  • Field ID: ULDD.X216

  • Attribute: MIPremiumPlanType

  • Freddie Mac logic (GSE-31369): Send as shown below if the conditions are met:

    

    • Conditions: IF field VEND.X167 (File #) exists

  • Fannie Mae logic (GSE-33942): If field ULDD.X49 (Mortgage Insurance Premium Source Type) is equal to "Lender" or "Borrower" and there is a value in field ULDD.X216 then export as shown below

    

    • else do not send

• AboutVersionIdentifier update:

  • Freddie Mac (GSE-31358):

    • Sort ID: 2

    • Xpath: MESSAGE/ABOUT_VERSIONS/ABOUT_VERSION

    • Attribute: AboutVersionIdentifier

    • New Enumeration: FRE 6.0.0

  • Fannie Mae (GSE-33920):

    • Xpath: MESSAGE/ABOUT_VERSIONS/ABOUT_VERSION

    • Attribute: AboutVersionIdentifier

    • New Enumeration: FNM 5.0

Export button no longer available in the Ginnie Mae tab of the ULDD/PDD input form to help ensure that you do not create an old version of the export, not compliant with Ginnie Mae's system.

Visual indicator (blue exclamation point in partial rep & warrants comment) to help determine the best AUS option for the loan/borrower.

[Added on 04/21/2025]

Mapping for Message Code FEI0312 AIM Digital Payroll available with this release. Existing logic for these fields have been retained and new logic added to account for the new message:

If message code FEI0312 exists then:

• Field ID(s) TQLGSE2801(Borrower)/TQLGSE2802 (CoBorrower) set to Y or Yes

• Message Code + text parsed to field ID TQLGSE4602(Borrower)/TQLGSE5402 (CoBorrower)

• Expiration Date parsed to field ID TQLGSE2803(Borrower)/TQLGSE2804(CoBorrower)

The following Fannie Mae Rep and Warrant Tracker updates are included in this release:

• Support for New Mission Index Message ID (3781): Fannie Mae has added a new message code for the Mission Index Score. To support Fannie Mae's new code, this feature enhancement adds logic to parse the new message ID (3781) to ensure that the mission score index is parsed back into Encompass, when you submit your loan to DU:

  • If message ID 3781 exists in the DU/DO response file, then parse the Mission Index to field to TQL.X283 and then parse the message text to field TQL.X284

• Mapping for Additional Mission Score Message (DU & DO): Updated logic in red:

  • If any of the below message ids exist in the DU & DO response file, then parse the Mission Index to field ID TQL.X283 and then parse the message text to field ID TQL.X284

    • Message Code 3757

    • Message Code 3759

    • Message Code 3761

    • Message Code 3769

    • Message Code 3771

    • Message Code 3773

    • Message Code 3781

[Encompass Web Interface]

ADA support for Freddie Mac Loan Closing Advisor added with this release.

[Encompass Desktop and Web Interfaces]

LoanQualityAdvisorResponseVersion & RequestVersion update.

• LoanQualityAdvisorResponseVersion: Updated to send 5.0

  • Prior to this release, value sent was 2.0

• RequestVersion: Updated to send FRE 6.0.0

  • Prior to this release, value sent was FRE 3.3.0

[Encompass Desktop and Web Interfaces]

The following Freddie Mac ULAD mapping updates are included in this release:

Employer Name AKA support

• Xpath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/EMPLOYERS/EMPLOYER/LEGAL_ENTITY/ALIASES/ALIAS/NAME/

• Attribute: FullName

• Field IDs:

  • BE0082/CE0082

  • BE0083/CE0083

• Logic: If BE0009 (Bor) / CE0009 (CoBor) = Current AND a value exists in field(s) BE0082/CE0082/BE0083/CE0083, then send the value from field(s) BE0082/CE0082/BE0083/CE0083 to FullName

GSE-33679

ulad:PositiveRentalHistoryIndicator Mapping Logic Update

[Added on 03/03/2025]

Conditionality has been updated to only send when Mortgage Type is FHA, per Freddie Mac requirements.

• Attribute: ulad:PositiveRentalHistoryIndicator

• Xpath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/QUALIFICATION/EXTENSION/OTHER/ulad:QUALIFICATION_EXTENSION

• Logic Prior to This Release:

  • If field 1172 = FHA and field 3515 is checked, then send True to ULAD:PositiveRentalHistoryIndicator

  • Or else

  • if field 1172 = FHA and field 3515 is not checked, then send False to ULAD:PositiveRentalHistoryIndicator

• Logic with This Release:

  • if field 3515 is checked, then send True to ULAD:PositiveRentalHistoryIndicator

  • Or else

  • if field 3515 is not checked, then send False to ULAD:PositiveRentalHistoryIndicator

GSE-34412

[Encompass Desktop and Web Interfaces]

The following Fannie Mae DU and DO updates are included in this release:

• Manual credit orders logic update: <CREDITCOMPANY> record no longer saved when test credit records (code 200 and 9xx for DO, code 9xx for DU) are used (CompanyCode=0)

• Support for test credit agencies in production environments

[Encompass Web Interface]

Institution ID is now an optional field in the DU login window.

The following updates have been made to the UWC:

• Compare Prior Submission: Following sections of the page updated:

  • Rep and Warrant Loan Summary Status

  • Rep and Warrant Borrowers Status

  

• Breadcrumbs removed, and an X added to the following pages:

  • Compare Prior Submission

  • Rep and Warrant Tracker

  • Loan Data Snapshots

  • All Analyzer pages except Compare and Import Tool

Street address parsing update in the XML file so that addresses such as "12A34 Main Street" do not fail.