A new Admin Tools policy is now available to enable lenders to calculate the APR for loans using the actual number of days for the first loan payment date rather than the standard 30 number of days for the first payment date. When the actual number of days is used, the actual number of days in the month are used when determining the first payment date that's used to calculate APR. (January = 31 days, February = 28 days (except for leap year), March = 31 days, and so on.)

In the Encompass Admin Tools > Settings Manager > Policies category, the new Calculate APR using Actual Number of Days for Initial Period option is set to Disabled by default. Double-click the value, select Enabled, and then click Apply to apply this policy in your Encompass instance. Once enabled, Encompass uses the actual number of days to calculate APR.

Note that this policy is not applied to bi-weekly, construction, or HELOC loans.

While this policy is applied at a global level in Encompass, the option to calculate APR using the actual number of days is also provided at the loan level. The new Use Actual Days checkbox (5062) is available on the RegZ - LE and RegZ - CD input forms only.

By default, the checkbox is selected or not selected based on the Calculate APR using Actual Number of Days for Initial Period policy in Encompass Admin Tools. Users can select this checkbox to elect to use the actual number of days in the month for the first payment date to calculate APR for the current loan. When this checkbox is not selected, the standard 30 days for the initial loan payment will be used to calculate the APR.

In previous versions of the HUD-928005b Conditional Commitment input form, the Other field (234) was used to capture proposed/estimated monthly housing expenses (determined by adding the monthly charges from lines 1007, 1008, 1009, and 1010 on the 2015 Itemization form). In Encompass 25.2, field 234 has been removed from this form and replaced with a new field (5063). Field 5063 calculates proposed/estimated monthly housing expenses by adding the monthly charges from lines 1006, 1007, 1008, 1009, and 1010 on the 2015 Itemization form.

In addition, a text entry field (1071) has been added where you can add a custom description or field label for field 5063 and the Total field on this form now includes field 5063 instead of field 234.

This new field 5063 is now being used on this form only so flood insurance and supplemental insurance are included in the total monthly expense estimate (1075) calculated on this form only, while also ensuring field 234 continues to calculate the proposed/estimated monthly housing expenses correctly on the other input forms where it is used. Field 5063 is calculated by adding field 234 and URLA.X144 (supplemental insurance) together.

The HUD-928005b Conditional Commitment form is used with FHA and VA loans only.

Migration:

For non-active (1393) loans, if data has been entered in the Supplemental Insurance field (URLA.X144), the value in the Other field (234) is copied to the new field 5063. Field 5063 is then locked so the field is not automatically calculated by Encompass and the migrated value is retained. (This migration logic is only performed in loans using the URLA 2020 forms version.)

New Disclosure Tracking attributes (i.e., virtual fields) have been added to the eDisclosure Tracking tab in the Disclosure Tracking tool for standard disclosures to capture the date and by whom the review task was viewed from an Encompass Consumer Connect site's borrower portal. This information can then be taken into account if the tracked document (LE, CD, or other) is placed into an Informational collection for tracking the receipt of documents associated with that borrower task.

• Informational Viewed Date (This is provided for the borrower and co-borrower.)

• Informational Completed Date (This date is populated when the borrower or co-borrower selects the Done button in their borrower portal to indicate they have completed the task.)

• Informational Viewed from IP Address (This is provided for the borrower and co-borrower.)

• Informational Completed from IP Address (This field is populated when the borrower or co-borrower selects the Done button in their borrower portal to indicate they have completed the task.)

• Loan Originator Informational Viewed Date

This tab displays only when you have selected an eDisclosure package entry in the Disclosure History list.

The character limit of the Company Name field used in the Contacts > Business Contacts tool has been increased from 64 characters to 255 characters to better accommodate longer company names.

New fields have been added to Encompass to indicate when error exceptions are returned from a mortgage analyzer. The Yes/No fields help users understand when there are outstanding issues with the analyzer data that need to be reviewed.

• Business Association Exception Exists (ANALYZER.X41)

• Data Mapping Exception Exists (ANALYZER.X42)

These fields are not provided on any input forms or tools. They are included in the Encompass Reporting Database and can be added to custom input forms.

Two new fields have been added to Encompass to capture information provided from Encompass Investor Connect:

• Investor Connect Resource ID (INVESTOREC.X6)

• Email ID of Sender (INVESTOREC.X7)

These fields are not provided on any input forms or tools. They are included in the Encompass Reporting Database and can be added to custom input forms.

In addition, the following Investor Connect fields in Encompass can now be added to the Encompass Reporting Database so they will be available for reports and adding to custom forms.

• Investor Connect EC Received From (INVESTOREC.X1)

• Investor Connect EC Status (INVESTOREC.X2)

• Investor Connect EC Status Update Date (INVESTOREC.X3)

• Investor Connect EC Submission Type (INVESTOREC.X4)

• Investor Connect EC Received From (INVESTOREC0001)

• Investor Connect EC Status (INVESTOREC0002)

• Investor Connect EC Status Update Date (INVESTOREC0003)

• Investor Connect EC Submission Type (INVESTOREC0004)

• Investor Connect EC Updates Allowed (INVESTOREC.X5)

  • In addition, field INVESTOREC.X5, which is a dropdown field with Yes, No, and Documents Only enumerations, has been updated to default to Yes.

Two new fields have been added to Encompass:

• Rent Schedule (ULDD.X219)

• UAD2025 (ULDD.X220)

These fields, which are available in the Encompass Reporting Database but are not provided on any input forms or tools, support the new UCDP process. The Rent Schedule field is newly added to the revised URAR report and is populated when an appraisal report is returned to Encompass. The UAD2025 indicator is needed for the ULDD integration with Freddie Mac and Fannie Mae.

Starting in Encompass 25.2, non-admin users can access the Lock Comparison tool from loan files. Previously in Encompass, if a non-admin user attempted to access the Lock Comparison tool, an "Error Forbidden" error message was generated and the user could not access the tool.

The Lock Validation Status (4788) calculation has been updated to use the following primary borrower pair values when comparing the loan data and the lock request data.

When the Lock Validation Status (4788) on the Lock Comparison Tool is set to Needs Validation and a lock extension is requested, a "We are not able to process your lock extension at this time. Please request a Lock Update and then try your extension request again." warning message is displayed on the Lock Request Form and Secondary Registration tool.

This warning is only applicable when an ICE PPE integration is being used as the product and pricing provider.

When an ICE PPE integration is used to request a lock (regardless of the default provider selected on the Product and Pricing setting), the Copy Loan Data to Lock Request button, the Exclude Interest Rate if applicable when copying to Lock Request checkbox, and the informational text at the top of the window will not be displayed in the Compare with Current Loan Data pop-up window.

Online help is available for the Lock Comparison Tool. To view the help topic when you are using the Lock Comparison Tool, select Encompass Help from the Help menu in the toolbar or press the F1 button on your keyboard.

Please note, you must click anywhere in the Lock Comparison screen once before selecting Help > Encompass Help or pressing F1. This requirement will be removed in a future release.

iLAD import has been updated to support the latest iLAD version 2.1.0. See table below for details such as XPath, data point, and Encompass (import) field ID with relevant enumerations (as applicable).

The following updates have been made to the GSE Additional Provider Data input form to support Freddie Mac's AIM (Assets and Income Modeler) Check and Fannie Mae's Income Calculator:

• The Freddie Mac AIM Check (Bor, CoBor) field (GSEVENDOR.X61) has been re-labeled to ICE-DDA Freddie AIM Check (Bor, CoBor).

• In the Fannie Mae Additional Provider Data and Freddie Mac Additional Provider Data sections of the form:

  • New Income Calculator fields are now provided in the Fannie Mae Additional Provider Data section: Belongs To (FANNIEIC0001) Verification Report Identifier (FANNIEIC0002). Here you can add up to two Income Calculator records. To add additional records, click the Edit icon to open the Fannie Mae Income Calculator quick entry window.

    DU ULAD field mapping will be available in a future release.

  • New AIM Check fields are now provided in the Freddie Mac Additional Provider Data section: Integrator (FAC0001) Verification Report Identifier (FAC0002). Here you can add up to two AIM Check records. To add additional records, click the Edit icon to open the Freddie Mac AIM Check quick entry window.

    LPA ULAD field mapping will be available in a future release.

Borrower swap is not supported for these Fannie Mae Income Calculator fields. Support is targeted for a future release as more enhancements to the Digital Verification process are introduced.

A new Commitment Rate Set Date (5044) field has been added to the Commitment Details section of the Correspondent Loan Status tool.

In correspondent loans, the last rate set date will either indicate the date between the lender and borrower or the date between the lender and correspondent. This is determined by the option selected by the administrator in the Correspondent Commitment Term Settings section of the Lock Desk Setup setting:

• If Use standard Lock Term fields (761, 432, 762, 3253) in the Loan File to represent Commitment Terms is selected, field 3256 on the Secondary Lock Tool is mapped to field 3253 on the Borrower Summary - Processing form and indicates the last rate set date between the lender and borrower.

• If Use Commitment Term fields (4527, 4528, 4529, 5044) in the Correspondent Loan Status Tool to represent Commitment Terms is selected, field 3256 on the Secondary Lock Tool is mapped to field 5044 on the Correspondent Loan Status tool and indicates the last rate set date between the lender and correspondent.

Watch the video

A new option to skip disclosure fulfillment if the eConsent Agreement has been accepted when it is time to send the disclosures is now available on the Additional Services > eDisclosure Fulfillment setting. When this option is selected, the eDisclosure Fulfillment service will not prepare or send the printed version of the disclosure package and send it to the primary borrower when they fail to view the documents in the package electronically within a specified time.

Important Notes:

• This skip fulfillment option is applicable only to document flows ordered in the Encompass web interface or Encompass TPO Connect. This includes disclosures (web interface or TPO Connect), pre-closing docs (web interface), and the Request/Send option (web interface). Disclosures sent via the Send eDisclosures window after clicking the eDisclosures button in the eFolder in the desktop interface are not impacted by this new skip fulfillment option.

• Note that even when this setting is set to skip fulfillment, users still have the option to not skip the fulfillment when needed. When the Skip Fulfillment if eConsent Accepted setting is selected, the system changes the Fulfillment default status to Off if eConsent has been accepted by all required parties. Users can still toggle the Fulfillment status to On if they want the disclosure package to be sent if the borrowers do not view the documents by the fulfillment date.

(Added on 5/2/2025)

In Encompass 25.3, the Send button in the eFolder will be changed from a dropdown component to a standard button. As part of this update, the Send Files to Lender... option will be removed and no longer available in Encompass. In previous versions of Encompass, this option was provided to users so they can submit loans to their lenders and investors from the eFolder. This functionality is provided in Encompass Investor Connect. Users can utilize that application going forward to submit loans to their lenders and investors.

In Encompass 25.3, this Send button can be used to send files to borrowers. Prior to this update, the Send Files option from the Send button was used to send files to borrowers.

(Added on 5/2/2025)

The Update Service Order resulting action has been updated with a new option for the Mortgage Insurance service category. When this category is selected, administrators can now choose from pre-defined document stacking templates which will be sent to the mortgage insurance partner when the rule is triggered in the Encompass desktop or web interface.

Items to Note:

• If the stacking template used in the rule is configured with required documents at the time of the rule execution, but those required documents are not in the eFolder, the rule will attach the available documents to the order.

• Administrators should write their rule readiness conditions in such a way that rules are only triggered for a specific MI partner. If the rule is triggered for an MI partner that isn't the provider of record for the loan, the rule will not send the documents.

For more information on configuring document stacking templates, review the Document Stacking Templates online help topic.

(Added on 5/2/2025)

A new Change Loan's Pipeline Folder resulting action has been added to Workflow Rules. This option enables a workflow rule to move a loan from any folder that the loan resides in, including archived folders and the (Trash) folder, to another folder when triggered. This resulting action is not able to move loans to the (Trash) folder. Additionally, the move only occurs after the loan has been closed for at least 15 minutes in both the desktop and web interfaces.

(Added on 5/2/2025)

Changes have been made to the search functionality for the Tag column on the Workflow Rules page in the Encompass web interface to enable administrators to filter the list of rules more effectively. When searching for tags, users can now enter a single tag to view all rules that contain that tag. Subsequent searches for individual tags further refine the list to only show rules that contain all the selected tags, allowing for more precise filtering of results. The workflow rules can be applied to both the desktop and web interfaces.

How it works:

To illustrate this functionality, consider the following example.

• You have three tags: Tag1, Tag2, and Tag3

• You have multiple workflow rules that have been assigned these tags:

  • Rule A has Tag1

  • Rule B has Tag1 and Tag2

  • Rule C has Tag1 and Tag2

  • Rule D has Tag1, Tag2, and Tag3

• A search for Tag1 shows all 4 rules.

• A subsequent search for Tag2 shows Rule B, C, and D as those rules have Tag1 and Tag2.

• A third search for Tag3 shows only Rule D, as that is the only rule that has all 3 tags.

Fields 3253 (Last Rate Set Date) and 5044 (Commitment Rate Set Date) have been added to the Commitment Term options in the Correspondent Commitment Term Settings section of the Lock Desk Setup setting.

This update was made to support the new Commitment Rate Set Date field added to the Commitment Details section of the Correspondent Loan Status tool.)

• Field 3253 - Added to the Use standard Lock Term fields (761, 432, 762, 3253) in the Loan File to represent Commitment Terms option.

• Field 5044 - Added to the Use Commitment Term fields (4527, 4528, 4529, 5044) in the Correspondent Loan Status Tool to represent Commitment Terms option.

The Enable Bid Tape Management checkbox label has been updated to Enable Bid Tape Acquisitions in the Trade Management Tabs section of the Trade Management Setup setting to support the renaming of Bid Tape Management to Bid Tape Acquisitions.

(Added on 5/2/2025)

In Encompass 25.2, we have updated the certificates for DLL files using DigiCert. Previously, these certificates were listed as ICE Mortgage Technology, Inc. Now they are listed as Intercontinental Exchange, Inc. If your company is using any group policy settings, you may need to add Intercontinental Exchange, Inc. to your company allow list or your Encompass instance may not install or launch as expected.

On the Fee Variance Worksheet input tool, in the Charges that in Total Cannot Increase More Than 10% section, updates have been made to the Legal Limit (Net Baseline + 10%) fields (LE Baseline (FV.X212), CD Baseline (FV.X213)) so that the baseline is updated when fees are removed. In previous versions, Encompass was not removing applicable fees from the baseline calculation, but the Encompass Compliance Service (ECS) was, resulting in a discrepancy between the tolerance calculation when compliance reviews were run.

As part of this fix, fees that show as 0.00 in the itemization column on the Fee Variance Worksheet are now excluded from the Good Faith Baseline calculations (LE Baseline (FV.X381), CD Baseline (FV.X382).

Migration Notes:

• Existing loans that have already been disclosed are not impacted by this fix. The new calculations will not be used in these loans.

• Loans in Encompass 25.2 (and later) with no disclosures will use the new calculations.

An issue occurred where the Branch Information section of the TPO Information tool was cleared when a non-super admin/admin user saved a loan with data in the Branch Information section. This issue has been resolved and the Branch Information section is no longer cleared when a loan is saved by a non-super admin/admin user.

The space between the condition name and external description for enhanced conditions that are printed on output forms has been reduced to help improve readability and reduce the number of form pages that are printed.

Printed Form Before Fix:

Printed Form After Fix:

An issue occurred where the Allow lock request only if user has retrieved pricing within the last [Enter Number] minutes and the Apply the pricing timer only when there is no current lock options in the Lock Request Submissions After Pricing has been Retrieved section of the Product and Pricing setting were not being honored. This issue has been resolved and the options are now functioning properly.

For users utilizing APIs to update the values on the Interim Servicing Worksheet fields such as Servicer Loan Number (SERVICE.X108), Sub-Servicer (SERVICE.X110), Sub-Servicer Loan Number (SERVICE.X111), and so on, they received errors ("The Interim Servicing field is read only.") and the fields failed to update. Encompass has been updated to allow APIs to update the Interim Servicing Worksheet fields without errors.

(Added on 5/2/2025)

ICE will be transitioning from legacy Encompass SDK (Software Development Kit) integrations in October 2025. This enables our clients, partners and ICE to continue to innovate and automate by eliminating legacy integrations and focusing on modern technology. ICE is transitioning clients and partners off SDK-based applications and plug-ins (lender, partner and ICE created) by October 31, 2025.

• Standalone SDK modules (transition to Developer Connect APIs)

• SDK loan plugins (migrate to SSF framework and NG plugin framework)

APIs for the most common SDK functions and native Encompass functionality will eliminate the need for many legacy SDK use cases. Encompass APIs are interoperable across web and desktop, as both user interfaces sit on top of the same underlying Encompass loan file. Alternatives to SDK functionality are available with more coming. There may not be 100% parity, but we will provide the most common functions and alternatives. For more information, refer to the Transitioning from SDKs and Legacy Integrations - FAQs.

Here is a list of the known Plugin issues that will be addressed in upcoming Encompass releases.

(Added on 5/13/2025)

Updates made to the GSE Additional Provider Data input form to support Freddie Mac's AIM (Assets and Income Modeler) Check and Fannie Mae's Income Calculator in the initial Encompass 25.2 release have been rolled back and are no longer included in the Encompass 25.2.0.1 release:

• In the Fannie Mae Additional Provider Data and Freddie Mac Additional Provider Data sections of the form:

  • The Fannie Mae Income Calculator sub-section has been removed. The Belongs To (FANNIEIC0001) fields and Verification Report Identifier (FANNIEIC0002) fields that were in this section are no longer provided here,  nor is the Edit icon previously provided that was used to access the Fannie Mae Income Calculator quick entry pop-up window.

  • The Freddie Mac AIM Check sub-section has been removed. The Integrator (FAC0001) fields and Verification Report Identifier (FAC0002) fields that were in this section are no longer provided here, nor is the Edit icon previously provided that was used to access the Freddie Mac AIM Check quick entry pop-up window.

(Updated on 5/13/2025) 

ICE will be transitioning from legacy Encompass SDK (Software Development Kit) integrations in October 2025. This enables our clients, partners and ICE to continue to innovate and automate by eliminating legacy integrations and focusing on modern technology. ICE is transitioning clients and partners off SDK-based applications and plug-ins (lender, partner and ICE created) by October 31, 2025.

• Standalone SDK modules (transition to Developer Connect APIs)

• SDK loan plugins (migrate to SSF framework and NG plugin framework)

APIs for the most common SDK functions and native Encompass functionality will eliminate the need for many legacy SDK use cases. Encompass APIs are interoperable across web and desktop, as both user interfaces sit on top of the same underlying Encompass loan file. Alternatives to SDK functionality are available with more coming. There may not be 100% parity, but we will provide the most common functions and alternatives. For more information, refer to the Transitioning from SDKs and Legacy Integrations - FAQs.

Here is a list of the planned enhancements that will be provided in Encompass 25.2.0.1: