Feature Enhancements in Version 25.1 (Banker Edition)

Using the new Task Pipeline option provided in the Pipeline menu, users can now jump to the Tasks Pipeline inside the Encompass web interface from the desktop interface. The Tasks Pipeline enables users to quickly identify, sort, and access their tasks from one central location. Users can view all tasks assigned to the user or assigned to a user group that the user belongs to.

By providing access to the Tasks Pipeline from the desktop interface, users can access the Tasks Pipeline in the Encompass web interface more efficiently and skip the steps of manually opening a web browser, navigating to the Encompass log in screen, providing log in credentials, and then navigating to Tasks Pipeline.

To access the Tasks Pipeline from the desktop interface, click the Pipeline tab, and then click Pipeline > Open Web View > Task Pipeline.

The Task List in the Encompass web interface will then be launched in the user’s default web browser. The user is not prompted to log int the Encompass web interface since they were already logged into the Encompass desktop interface.

Alternatively, you can also right-click inside the Encompass Pipeline, and then select the Open Web View > Task Pipeline to open the Tasks Pipeline in the Encompass web interface.

Please note, this Open Web View > Task Pipeline option will only be displayed for users with the required Persona access rights. Users must have the Both desktop and web versions of Encompass access and the Task Pipeline access rights in their assigned persona to access the Open Web View > Task Pipeline menu option.

The Archived checkbox (also known as the To indicate a loan as Archive field) provided in each loan file in Encompass can now be included in the Tools > Audit Trail. Use the Audit Trail tool to view and export a history of the changes made to this field in the loan file, including who updated the field and when.

To make the Archived checkbox data available in the Audit Trail tool, add field 5016 to the Selected Fields panel in the Encompass Reporting Database. When adding the field, select the Include in Audit Trail checkbox. Please refer to the Important Notes below for more details.

Important Notes

• If field 5016 has already been in the Selected Fields column in the Encompass Reporting Database and it was set to Include in Audit Trail since Encompass 24.2 or earlier, no action is needed. Starting in Encompass 25.1, up-to-date and accurate information will now be available in the Encompass Pipeline, Reports, and Dashboards and previous Audit Trail data will be retained.

• If you removed field 5016 from the Encompass Reporting Database prior to Encompass 24.3, you can now add field 5016 to Encompass Reporting Database and set it to Include in Audit Trail in Encompass 25.1 if you want to include this field in the Audit Trail.

• Field 5016 only needs to be in the Selected Fields column in the Encompass Reporting Database if you want to include it in the Audit Trail. Even if you do not add the field there, the data for field 5016 will still be available in the Encompass Pipeline, Reports, and Dashboards starting in Encompass 25.1.

• Audit Trail data will only account for manual updates to field 5016. It will exclude updates from the ICE Job that automatically sets the field status if the loan has not been modified in the past three years and updates to the field that are logged when moving loans into an Archive folder.

Refer to KA 000115710 - Updates to field 5016 (loan Archive indicator) in 24.3 & 25.1 for more information.

To ensure consistency with Encompass Compliance Service review logic for prepayment penalty points and fees for Hight Cost loans, termination fees for HELOC loans are now included in the Total Section 32 points and fees in the loan (S32DISC.X48). Starting in Encompass 25.1, when a HELOC loan has a termination fee (1986) that value is copied to the Prepayment Penalty field (RE88395.X315). The Total Section 32 points and fees in the loan (S32DISC.X48) and the Percentage of amount prepaid (S32DISC.X178) fields are then recalculated for this fee. Finally, the Prepayment Penalty Test is run and the results are updated (S32DISC.X179) on the Section 32 HOEPA input form.

For existing non-active HELOC loans, the Termination Fee field (1986) is not updated. The Prepayment Penalty field (RE88395.X315) is locked with its current value.

In each of the four HELOC Example Payment Schedules (Historical, Minimum, Maximum, and Worst-Case), the calculations used for the beginning year of the payment schedules have been updated as follows:

• If the Disclosure Date (363) is after the Index Date (or if it’s the same date (i.e., the same year)), then the Index Date minus 14 years is used to determine the payment dates in the payment schedule.

• If the Disclosure Date (363) is prior to the Index Date, then the Disclosure Date minus 14 years is used to determine the payment dates in the payment schedule.

Please note, the Index Date in these calculations is the most recent year indicated in the HELOC Historical Index Table that is set up in the Encompass Settings > Tables and Fees > HELOC Table. This is not the loan-level Index Date (4898).

This update has been made to address two scenarios that could result in incorrect payment dates:

• When a user generates a HELOC Historical Schedule on a month/day that is prior to the month/day when the HELOC Table in Encompass Settings is created. For example, the Disclosure Date (363) is March 5th, while the Historical Table in the Encompass Settings is July 1st. In previous versions of Encompass, the Historical Schedule would generate based on the Index Date for the year as of July 1st, which is a date in the future from March 5th. Since this payment schedule is for "historical" dates, the Historical Schedule should be generated based on the earlier March 5th date (363), not the July 1st date in the future.

• When an administrator creates a HELOC Table in Encompass Settings but fails to keep the dates in the table current. In previous versions of Encompass, the system would use the most current data available to generate the HELOC Historical Schedule to account for the missing payment data. However, due to the updates described above, starting in Encompass 25.1 only the current data provided by the administrator in the HELOC Table will be used and no automatic adjustments will be made by the Encompass system.

  • Please note that a scenario where the HELOC Table in Encompass Settings does not include a starting year of at least 14 years prior to the earlier of the Disclosure Date or the Index Date as described above, and also does not include the most current year(s) relative to the Disclosure Date or Index Date, is not a scenario which is supported by the Encompass system.

On the 1003 URLA Part 1 input form, the verbiage for the checkbox that users select to 1) indicate the borrower or co-borrower (or their deceased spouse) is currently serving on active military duty and 2) to activate the date field where the user can then enter the projected expiration date of service or tour has been updated to help clarify what the date field is intended for. The updated verbiage for fields URLA.X123 and URLA.X126 is shown here:

Previously the verbiage used here was Currently serving on active duty Expiration Date of Service/Tour.

This new verbiage now aligns better with the verbiage provided for these military service checkboxes and fields on the 1003 Part 1 printed output form. This update to the input form is intended to make it clear that this date field should only be activated/populated if the individual is currently actively serving and NOT currently retired, discharged, or separated from the service. In previous versions of Encompass, some users incorrectly entered an expiration date for active service when the borrower, co-borrower, or deceased spouse was retired, discharged, or separated from the service, which led to data quality errors (DQC0590) being returned by Freddie Mac during underwriting.

New fields have been added to Encompass to support the Freddie Mac Asset and Income Modeler (AIM) and Fannie Mae’s Income Calculator respectively. These fields are not currently visible on existing Encompass input forms, but they are included in the Encompass Reporting Database and can be added to custom input forms that are available in the Encompass Reporting Database.

• Freddie Mac AIM Check Integrator (FAC0001)

• Freddie Mac Verification Report Identifier (FAC0002)

• Fannie Mae Income Calculator Belongs To (FANNIEIC0001)

• Fannie Mae Verification Report Identifier (FANNIEIC0002)

These fields are targeted to be provided on the GSE Additional Provider Data input form in a future Encompass release.

Negative values are now permitted in the Rate Spread field (ULDD.FNM.HMDA.X15) on the Fannie Mae ULDD input form. In previous versions of Encompass, if the rate spread (HMDA.X15) for the loan was a negative amount, the rate spread on the Fannie Mae ULDD input form would populate to 0.00 rather than the negative value.

The value in the FRE Condominium Project Identifier field (CASASRN.X221) on the Project Review tool is now automatically populated to the CPA Project Assessment Request Identifier field (ULDD.FRE.X1) on the Freddie Mac ULDD/PDD input form. Any time a value is entered, modified, or deleted from the FRE Condominium Project Identifier field, that value is updated (or deleted) in the CPA Project Assessment Request Identifier field on the ULDD/PDD input form.

Note that if a value is entered, modified, or deleted from the CPA Project Assessment Request Identifier field on the ULDD/PDD input form, the value in the FRE Condominium Project Identifier field on the Project Review tool is not updated (or deleted).

This update helps ensure that users utilizing Fredde Mac’s Condominium Project Advisor Platform can capture the Project Identifier number accurately on the ULDD/PDD input form and send it to LSA/LQA for delivery.

For companies that have purchased the ICE Mortgage Analyzers, updates for asset analyzers are now available on the Alerts & Messages tab on the top-left of the Loan Workspace in an Encompass loan file. An Encompass user who has access to the service can view a green Asset Analyzer message and click the message to open the Asset Analyzer Message window.

When file attachments for asset-related documents are imported into a loan, the asset analyzer scans the data in the attachments and compares it to the data in the Verification of Deposit (VOD) records in the loan. The green message is generated when the asset analyzer has finished analyzing the data. Encompass users can use the information in the alert to compare and reconcile any data differences between the document attachments and the VOD records.

When you click the Asset analyzer has open issues message, the window shown below opens in the Loan Workspace.

The top section of the window displays the message name, description, and date.

The three columns of data display depository accounts (checking, savings, money market fund, Certificate of Deposit (COD)), investment (mutual funds, stocks, stock options, bonds), and retirement assets in column one, the corresponding Encompass loan data from the VOD in column two, and the corresponding data from asset analyzer in column three.

A red Exclamation Point icon displays to the right of the From Analyzer column for any fields that do not match.

Information for each borrower is provided in dedicated expandable panels for each borrower and co-borrower. Expand and collapse icons are provided which users can click to expand (+) and collapse (-) each borrowers' income panel displayed on the screen. Use the icons provided at the very top of the Income Comparison section to expand and collapse all the borrowers' income panels that are listed.

A checkbox is provided to the right of each asset category. Select the checkbox for the category to import. You can select all categories at once by selecting the Select All From Asset Analyzer checkbox at the top of the section.

Click the Import Data button to import the selected asset data from the asset analyzer into the loan file.

When data is copied from the asset analyzer:

• Blank fields in From Analyzer column will clear the value in a corresponding Encompass field when a VOD has existing data in the field.

• When an Encompass field does not have a corresponding field in the asset analyzer, the Encompass value is retained.

• Additional existing Encompass VOD records are not replaced when data is copied. They must be deleted manually by a user.

In addition, a new Source column is provided on the VOD input forms to indicate if the record was manually added by a user (Encompass) or if the record was imported to Encompass through the asset analyzer (Asset Analyzer). Records for VOD are used to populate the In Loan Application data in the Asset Analyzer Message's Asset Comparison section.

A new (hidden) date/time field (5060) has been added to the Encompass Reporting Database to capture each time asset data from the asset analyzer is imported to Encompass. When a user clicks the Import Data button on the Asset Analyzer Message, the system populates the current system UTC date and time to the field. This field is a virtual field not visible on any Encompass input screens.

For companies that have purchased the ICE Analyzers service, a new Credit Analyzer message is now available on the Alerts & Messages tab on the top-left of the loan workspace in Encompass loan files. An Encompass user who has access to the service can click the Credit Analyzer has open issues green message to open the Credit Analyzer Message window and review the message details.

There, you can click the Open Analyzer button to open the credit analyzer in a web browser to review the analyzer results and address issues as needed.

For companies that have purchased the ICE Mortgage Analyzers, new fields are being introduced in the Encompass Reporting Database that are intended to be used with advanced business rules for analyzer fields so that lenders can exclude loans from analyzers based on specific conditions and provide a reason for the exclusion.

Please note:

• These fields are not available on any standard Encompass input forms or tools. They are provided in the Encompass Reporting Database only. They may be added to custom input forms.

• These fields may be added to business rules in Encompass 25.1, but the rules will not be enforced until additional functionality is added in a future Encompass release.

In Encompass 24.2 fields were added to capture valuation data used by correspondent lenders to provide support for multiple appraisals, ordering, and data persistence at an order level and workflow level. These fields are part of the existing Correspondent Appraisal Valuation collection that enables Encompass Partner Connect to support this workflow. One of the fields added to the collection at that time was the Correspondent LCA Score field (VAL00A017).

In this Encompass 25.1 release, the Correspondent LCA Score field has been updated from an integer field to a decimal field. The number entered in the field will now be rounded to two decimal places.

Please note that these Correspondent Appraisal Valuation collection fields are not visible on existing Encompass input forms, but they can be added to custom input forms and are available in the Encompass Reporting Database.

For clients who already added field VAL00A017 to the Selected Fields panel in the Reporting Database in previous releases, there is additional action required after upgrading to this new Encompass release before the values in this field will be in decimal format. After upgrading, the administrator must remove field VAL00A017 from the Reporting Database’s Selected Fields panel, and then click Update to update the Reporting Database. Then, they must add field VAL00A017 back to the Selected Fields panel, and then click Update again. Only then will values in the LCA Score field be rounded to two decimal places.

Using the new Open Web Conditions button provided on the Conditions tab in the eFolder, users can now jump to the Conditions screen for the loan inside the Encompass web interface from the Encompass desktop interface.

By providing access to the Conditions screen from the Encompass desktop interface, users can access the loan’s conditions in the Encompass web interface more efficiently and skip the steps of manually opening a web browser, navigating to the Encompass log in screen, providing log in credentials, opening the loan, and then navigating to the Conditions screen.

To access the web version’s Conditions screen from the desktop version of Encompass, open a loan file, click the eFolder icon to open the eFolder, click the Conditions tab, and then click the Open Web Conditions button.

Please note, the Open Web Conditions button will display on the eFolder’s Conditions tab only if the loan contains one or more enhanced conditions and if the user has permission (via the Personas settings) to access the Encompass web interface.

The following buttons have been added to the Buttons for Business Rule form that is provided when searching for fields to use with Persona Access to Fields business rules. These additions were added to assist administrators with managing persona access to buttons on the Secondary Registration tool via Persona Access to Fields business rules.

• Revise Locks

• Get Buy Side Pricing

• Lock and Confirm

• Update Sell/Comparison

• Deny Lock

• Get Sell Side Pricing

• Validate

• Deny Extension

• Cancel Lock

• Save Progress

• Save

• Cancel or Close

To access the Buttons for Business Rule form, open the Encompass Settings > Business Rules > Persona Access to Fields setting. Click the New icon to create a new rule or select an existing rule, and then click the Edit icon. In the Define persona's field access for the condition section, click the Find button, and then select the Buttons for Business Rule form in the left panel.

On the Milestone Completion business rules setting, administrators can use the Required Fields tab to add fields that will be required to be populated before the milestone can be completed. The descriptions of fields 418 and 169 have been updated to specify the correct line on the 1003 where the field is located.

Previously, the field 418 description was Borr Declarations L and field 169 was Borr Declarations A. Those are the 1003 line locations for these fields on the 2009 URLA forms. These new descriptions refer to the 1003 line locations on the 2020 URLA form versions (line A and line G).