Encompass 25.1 Persona-Based Release Notes

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.

To support FDIC’s requirements for lenders to gather specific information relating to Government Identification, the following new fields have been added to the Borrower Summary - Origination and Borrower Summary - Processing input forms:

• Government ID (5053) [borrower]

• Government ID Type (5055) [borrower]

• Other Description (5057) [borrower]

• Government ID (5054) [co-borrower]

• Government ID Type (5056) [co-borrower]

• Other Description (5058) [co-borrower]

New document expiration date fields have been added to the Underwriter Summary Page 2 input tool:

• Credit Expiration Date (ANALYZER.X19)

• Income Expiration Date (ANALYZER.X20)

• Asset Expiration Date (ANALYZER.X21)

• Collateral Expiration Date (ANALYZER.X22)

• Overall Expiration Date (ANALYZER.X23)

By default these fields can be updated manually. Alternatively, some of these fields can be updated automatically by the system based on information provided by ICE Mortgage Analyzers.

To make these fields read-only so users cannot make manual updates, administrators can set up and activate Persona Access to Fields business rules for these fields. If the fields are not set to read-only, data that is manually entered may be overwritten by system data from analyzers.

For users utilizing analyzer data for these fields, the analyzers will use extracted dates, compile those dates, and then provide the oldest document date to set the document expiration date for a file. Documents reviewed will include paystubs, bank statements, credit reports, and other documents used for the loan decision making process.

These dates will be compiled by the ICE Mortgage Analyzers and sent back to the fields (as described below) on the Underwriter Summary Page 2.

• Credit Expiration - Analyzers will update

• Income Expiration - Analyzers will update

• Asset Expiration - Analyzers will update

• Collateral Expiration - This field will not be updated by analyzers

• Overall Expiration - This field will not be updated by analyzers

In Encompass 24.3, two additional rows of loan-level, editable fields were added to the Household Income table on the USDA Management input form’s Rural Assistance URLA > Page 6 to provide additional rows for more household members’ income data to be provided. In Encompass 25.1, these same fields have been added to the Quick Entry - USDA Household Income pop-up window.

Row 7: USDA.X240, USDA.X224, USDA.X225, USDA.X226, USDA.X227, USDA.X228, USDA.X229, USDA.X230, USDA.X231

Row 8: USDA.X241, USDA.X232, USDA.X233, USDA.X234, USDA.X235, USDA.X236, USDA.X237, USDA.X238, USDA.X239

This quick entry window is accessible by clicking the Enter Household Income button for USDA loans on the 1003 URLA Part 2 input form.

New Employer Alias fields have been added to the Employer Information section of the Verification of Employment (VOE) input form to provide fields where the company’s alternate name or AKA can be entered. This helps ensure users receive the employment rep and warrants since it will be easier to match the borrower’s employer to the correct business.

• Employer Alias 1 (BE0082) [for borrower]

• Employer Alias 2 (BE0083) [for borrower]

• Employer Alias 1 (CE0082) [for co-borrower]

• Employer Alias 2 (CE0083) [for co-borrower]

A new loan-level Qualifying Payment field (5052) for non-HELOC properties has been added to the Transmittal Summary input form. This field was added to provide better visibility to the non-HELOC qualifying P&I payment for subject properties that are second homes or investment properties (1811).

For HELOC loans, the HELOC Qualifying Payment field (5025) captures this payment. For non-HELOC loans for primary homes (1811), this payment is captured in the First Mortgage P&I (1724) or Second Mortgage P&I (1725), but for non-HELOC secondary/investment properties, this payment is only calculated as part of the negative Rental Cash Flow field (462) and it’s added with the Taxes, Insurance, and any Rental Income that is entered. Now this qualifying P&I payment for secondary/investment properties is provided in this new Qualifying Payment field (5052).

Note that this new Qualifying Payment field is provided for loans for all occupancy types, not just secondary or investment properties.

The following fields have been added to the State-Specific Disclosure Information input form for Mississippi:

• Lock-in Terms and Conditions (DISCLOSURE.X277)

• Lock-in Refund Conditions (DISCLOSURE.X189)

These fields were added to ensure that lenders can provide refundable condition information for rate locks and disclose the Rate Lock Agreement correctly for loans in Mississippi.

Note that these fields already existed in previous versions of Encompass and were (and continue to be) provided on other State-Specific Disclosure Information input forms for other states.

A new Investor Cure by Date field (5045) is now provided on the Shipping Detail input form. Use this field to store the cure by date for the loan sent by an investor (via Encompass Investor Connect) back to Encompass.

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.

A new field, Commitment Rate Set Date (5044), has been added to the Encompass Reporting Database. While this field is available in the Encompass Reporting Database, it is intended for future functionality that will be provided in an upcoming Encompass release. At that time, this field will be added to the Correspondent Loan Status tool where it will capture the date when the interest rate for a correspondent loan was last set without changing the last rate set date (3253) for the borrower. More information will be provided when this field is made available on the the Correspondent Loan Status tool.

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.

Using the Edit icon provided for the Prepayment Penalty / Prepayment Penalty Term checkbox (675) on the 1003 URLA - Lender input form, users can enter prepayment penalty data. If the Prepayment Penalty / Prepayment Penalty Term checkbox is then cleared, the data in the Quick Entry - Prepayment Penalty pop-up window is cleared. However, if this checkbox was cleared as result of a business rule or a Loan Program template being applied to the loan, the data in the Quick Entry - Prepayment Penalty pop-up window was not cleared. This issue has been resolved and now the data is cleared as expected when the checkbox is cleared via a business rule or loan program template.

Users are now able to exclude escrow and prepaid fees from the Total Closing Costs Less Guarantee Fee (VASUMM.X124) for VA Cash-Out loans. Starting in Encompass 25.1, when the VA Loan Code (958) is set to Cash-Out Refi, the Prepaids (VASUMM.X145) and Initial Escrow Payment at Closing (VASUMM.X146) checkboxes will be cleared by default. This excludes these values from the Total Closing Costs Less Guarantee Fee calculation. Users have the option to manually update these checkboxes as needed on the VA Management input form’s Qualification tab.

After importing a ULAD/iLAD (MISMO 3.4) file into Encompass, the supported iLAD enumeration code plus the description of the loan documentation is now populated to the Loan Documentation Type Code field (MORNET.X67) in the imported file. Previously, only the enumeration code (a single letter) was populated to this field.

For example, if the imported iLAD file included reduced documentation, the Loan Documentation Type Code field was populated with only R. Starting in Encompass 25.1, this field will be populated with (R) Reduced in the imported file.

In previous versions of Encompass, eFolder document attachments were displayed in landscape format instead of the expected portrait mode. For example, after a credit report was returned and then saved to the eFolder, the report displayed in landscape when a user viewed the report in the Document Details window. This issue resulted in portions of the document being cut off. This issue has been resolved and the documents now display in portrait format as expected.

In previous versions of Encompass, the eConsent forms returned from borrowers were displaying in landscape format when viewed from the Disclosure Tracking tool. This prevented users from printing the eConsent forms correctly. This issue has been resolved and now the eConsent forms are displayed in portrait form as expected.

For users who have set up Auto Retrieve for disclosure packages so that signed documents are automatically returned to the lender (in Encompass) when the required milestone is completed, there was an issue where not all of the signed documents were being returned. Typically, some signed documents in the package were returned, but some were not. Users would then need to manually retrieve the remaining signed documents. This issue has been resolved and all signed documents are now returned as expected when auto retrieve is enabled.

When using the Tools > Rep and Warrant Tracker in a loan file, an issue occurred where an Application Error was triggered after the user clicked the Save to eFolder button. This issue has been resolved and now the Rep and Warrant input form can be saved to the eFolder. Once saved, a Rep and Warrant Tracker document is added to the eFolder's Documents tab.