Admin Tools: HMDA Batch Update

Please note that this tool was provided in 2019 with the Encompass 18.4 January Service Pack Critical Patch 2 release to help ensure that users could apply the most up to date calculations and field properties to HMDA-related fields. If you have already upgraded to Encompass 19.1 or later versions, the most up to date calculations for the impacted HMDA fields is already in use by default and running this HMDA Batch Update tool is not necessary or recommended.

In order to ensure lender reporting (HMDA Loan Activity Reports (LAR)) is updated to the latest version of all mapping rules without requiring loans to be individually accessed, a HMDA Batch Update tool was added to the Encompass Admin Tools. Using the tool is a two-part process:

  • Step 1. Administrators use the Reports tab in Encompass to generate a report to identify the loans that will be updated and to export a list of the loans to a .csv file.

  • Step 2. Administrators then import the .csv file into the HMDA Batch Update tool, select an update option, and trigger the mapping and calculation updates, which are applied to the selected loan files in Encompass.

The tool triggers the recalculation of the following HMDA fields:

  • HOEPA Status (field ID HMDA.X13)

  • Application Date (field ID HMDA.X29)

  • Loan Amount (field HMDA.X31)

  • Discount Points (field HMDA.X35)

  • Company Name (field ID HMDA.X59)

  • Respondent ID (field ID HMDA.X71)

  • Total Loan Costs (field ID HMDA.X77)

  • Total Points and Fees (field ID HMDA.X78)

  • Origination Charges (field ID HMDA.X79)

  • Lender Credits (field ID HMDA.X80)

  • Loan Term (field ID HMDA.X83)

  • Introductory Rate (field ID HMDA.X84)

  • Property Value (field ID HMDA.X85)

  • HMDA Profile ID (field ID HMDA.X100)

  • Census County (field ID HMDA.X111)

  • Census Tract (field ID HMDA.X112)

  • Balloon Payment (field ID HMDA.X114)

  • Negative Amortization (field ID HMDA.X115)

  • Borrower Credit Score for Decision Making (field ID HMDA.X116)

  • Co-Borrower Credit Score for Decision Making (field ID HMDA.X118)

  • Interest Only (field ID HMDA.X120)

Please note that this tool was provided in 2019 with the Encompass 18.4 January Service Pack Critical Patch 2 release to help ensure that users could apply the most up to date calculations and field properties to HMDA-related fields. If you have already upgraded to Encompass 19.1 or later versions, the most up to date calculations for the impacted HMDA fields is already in use by default and running this HMDA Batch Update tool is not necessary or recommended.

Step 1: Generating a Report and Exporting the Loan List

Use the Reports tab in Encompass to identify the loans that you want to update, based on your company's needs. You can include fields in the report to help you identify the loan (for example the borrower name or loan number), but the only field that must be included in the report is the Loan Info Loan ID (field ID GUID). The HMDA Batch Update tool uses this field to identify and update the loan files in Encompass.

Make sure the Loan Info Loan ID (field ID GUID) and any other fields used in the Report search filters are included in the Encompass Reporting Database before you generate your report. Make sure Loan Info Loan ID is enter in the description field in the Encompass Reporting Database.

If you need to replace the HMDA profile assigned to a loan and do not know the associated ID value to use, you can add field HMDA.X100 to your Encompass report to discover the value. Filter the report to include at least one loan with the HMDA profile you want to replace or assign, and include the loan number, loan folder, or other filter criteria to help you identify the loans associated with each HMDA Profile.

After generating the report, export it to your computer as a .csv file. Review the file and edit it as needed, for example, by removing loans from the files if you do not want to update them.

The only .csv data used by the HMDA Batch Update tool is the Loan Info Loan ID (field ID GUID), which is used to identify the loans that will be updated. Edits made to the field entries in the .csv file are not imported back into the Encompass loan file.

Step 2: Running the HMDA Batch Update Tool

After importing the list into the HMDA Batch Update tool, select one of the options for the update, and trigger the recalculations. The batch update tool triggers the recalculation in the selected loan files in Encompass

To Run a Batch Update:

  1. On your Windows task bar, click the Start menu or Start icon, navigate to the Ellie Mae Encompass program folder, and then click Admin Tools.

  2. Double-click HMDA Batch Update.

  3. Enter your Encompass login credentials.

  4. When the Batch Update Tool opens, use the Input File field to enter the path to the .csv file you created for the loans. Or click the Browse button to navigate to the file.

  5. In the Recalculate HMDA section, select an option for recalculating the HMDA Data:

    • Use Existing Profile – Select this option to trigger a recalculation of the relevant HMDA fields without changing the HMDA Profiles assigned to the loan files listed in the imported .csv file.

    • Override Existing Profile – Select this option to change the HMDA profile for the loan files listed in the imported .csv file and trigger a recalculation of the relevant HMDA fields in the loan files listed in the imported .csv file based on the newly assigned HMDA Profile.

      The Override Existing Profile option assigns a new HMDA profile to all the loans listed in the .csv file. Before applying this options, review and edit your .csv file to ensure that you have included only loans with a HMDA profile that you want to change. Alternatively, you can adjust the filters on your report, for example, by including only loans that have a specified HMDA Profile ID (HMDA.X100) or only loans that have a blank value for the HMDA Profile ID.

  6. Click the Execute button.

    If the .csv file does not contain the GUID fields for the loans, an error message displays when you click the Execute button.

    • The Processing Status section shows the progress of the update. When the update is complete, it lists the loans that were processed, including the Loan ID (GUID) and the borrower name.

    • If the update is stopped or interrupted before completion, a Continue button displays on the tool. Click the button to continue with the batch update, starting at the place where the update was interrupted.

    • If you start a new batch update while an old update is still pending, (i.e. when the Continue button displays) a confirmation message displays. Click OK to remove the pending list and proceed with the new update. Click Cancel to cancel the new batch update.

  7. A log file (HMDAUpdateTool.log) is created on the C: drive in your User folder in the AppData > Local > Temp folder. The log file contains detailed information including the start and completion time for the batch update, the loan ID, and the fields that were updated, including before and after values for each field.