Fixed Issues for Version 25.3 (Banker Edition)

To help ensure the Adjusted Fully Indexed Rate field (3296) is populated correctly for all loan types (including HELOC), the system calculation for this field has been updated.

The previous calculation for 3296 was:

The Margin (689) + the Index (688) - 0.49, rounded to an integer based on the rounding logic indicated in field SYS.X1 (round up or round down) and 1700 (the nearest value to round to).

The new calculation for 3296 is: 

The Margin (689) + the Index (688), rounded to an integer based on the rounding logic indicated in field SYS.X1 (round up or round down) and 1700 (the nearest value to round to).

On FHA and VA loans, Fannie Mae's Desktop Underwriter (DU) was indicating different LTV ratios than what was calculated by Encompass. This discrepancy occurred because Encompass was rounding the ratio up, while DU was not (i.e., DU indicated 96.50% while the ratio on the AUS Tracking tool in Encompass indicated 97.00%.) To address this issue in Encompass 25.3, Encompass has been updated to calculate the LTV for FHA and VA loans the same way DU does. Here is how the rounding for LTV (MORNET.X75), CLTV (MORNET.X76), and HCLTV (MORNET.X77) for FHA and VA will be rounded in new loans started in Encompass 25.3: 

• These ratios will display two digits past the decimal, rounding up half on the third decimal.

• If the third digit past the decimal is 5 or higher, the ratio will be rounded up.

• If the third digit past the decimal is below 5, the ratio will be rounded down.

Migration Notes:

• For existing FHA and VA loans created prior to Encompass 25.3 that have LTV, CLTV, or HCLTV/HTLTV values that have been locked, the locked values will be retained.

• For FHA and VA loans that are in an inactive status (i.e., the Current Status (1393) is not set to Active Loan), they will not be updated. The fields for LTV, CLTV, and HCLTV/HTLTV will be locked to retain their current value.

• For FHA and VA loans that are in active status (i.e., the Current Status (1393) is set to Active Loan), the new rounding logic will be applied.

For Construction only or Construction - Perm loans (19) that are refinanced (Constr.Refi), the Refinance with Original Creditor Yes/No checkboxes (QM.X2) are now activated and may be selected on the 1003 URLA - Lender, RegZ - LE, RegZ - CD, and the Rural Assistance URLA tab on the USDA Management input forms. In previous versions of Encompass, the Refinance with Original Creditor Yes/No checkboxes were cleared out and deactivated for these loans, which prevented users from making a selection.

When the loan is a Construction or Construction - Perm loan (19) but it is not being refinanced (i.e., the Refinance Owned (Constr.Refi) checkbox is not selected), then the Refinance with Original Creditor Yes/No checkboxes will continue to be cleared out and deactivated.

In previous versions of Encompass, when the Final Buy Amount (3578) on the Correspondent Purchase Advice loan was locked, the value was not used when calculating the Final Buy Price (3583). Instead, the Final Buy Price was always calculated using the system calculated value for the Final Buy Amount instead of the locked value in the field. This could result in the incorrect buy amount being wired to investors. Starting in Encompass 25.3, the Final Buy Price will be calculated based on the locked value in the Final Buy Amount field when applicable. If the Final Buy Amount value is system calculated (i.e., not locked), then the system calculated value will be used as expected.

In previous versions of Encompass, on the 1003 URLA - Lender input form, an Edit icon was provided next to the Co-Borrower field where the Housing Counseling Agency number for the co-borrower could be entered (URLA.X161). Clicking this icon resulted in the Quick Entry - Home Counseling Providers pop-up window where the Home Counseling agency contact information could be entered, along with options to add additional agencies to the Home Counseling Provider List. However, the data entered in this quick entry window is only intended for the borrower. The information added here, though intended for the co-borrower, was populating to the borrower specific fields. To address this issue, the Edit icon for co-borrower field URLA.X161 has been removed.

As an alternative to the Edit icon previously provided for URLA.X161, users can click the Copy from Borrower button in the Co-Borrower section to populate the co-borrower information. In addition, the Housing Counseling fields for the borrower and co-borrower do allow manual data entry. If different agency information is needed for the co-borrower or borrower, it can be manually entered.

On the ULDD/PDD input form's Fannie Mae tab, the Transaction Details box, the name of the MERS Registration Status Type field (ULDD.X215) was incorrectly displayed as MERG Registration Status Type. This typo has been fixed.

The Force user to change password option and the password expiration policy in Encompass were not being honored in certain applications and users were permitted to log in with their expired Encompass password. In the Encompass 25.4 release currently targeted for November 2025, this issue will be addressed. This may result in many users being blocked from logging into their application until they change their password as soon as their company upgrades to Encompass 25.4 in Production environments.

Details and Impacted Users:

When the Encompass administrator selects the Force user to change password option on a user’s profile, or if the password has expired based on the Password Expiration policy (# of Days to Expiration option managed in Admin Tools > Server Settings Manager > Password), the next time the user attempts to log into an application they should be prevented from logging in until the password is changed. However, this setting was not being enforced for Encompass users logging into the following applications with their expired Encompass password:

• Encompass web interface

• Encompass Consumer Connect Admin portal

• Encompass Data Connect

• Encompass TPO Connect website

• Encompass TPO Connect Admin Portal

• Encompass Developer Connect API (OAuth Token response)

• Encompass Developer Connect Portal (API Keys, SSO Setup, MFA setup)

• Insights

• ICE Mortgage Technology Resource Center (Login with Encompass via Access Login)

• Marketplace (login with Encompass via Access Login)Details and Impacted Users:

In addition, the password expired policy was also not being enforced for external TPO users logging into their assigned TPO Connect websites. If the administrator reset the TPO user password, or if the password had expired based on the Password Expiration policy (# of Days to Expiration managed in Admin Tools > Server Settings Manager > Password), the TPO user was still able to log in with their temporary or expired password.

Starting with the Encompass 25.4 release, if the user’s password has expired or if the Force user to change password option has been selected on their user profile, the user will be prevented from logging into the applications listed above until their password is changed. The users will be required to change their password by logging into the Encompass desktop interface and then following the steps in the resulting change password pop-up notification. They may also contact their Encompass system administrator for assistance.

External TPO users will also receive a change password pop-up notification when they try to log into their TPO Connect website. They must follow the steps in the notification to change their password.

Please note, this change does not impact Encompass desktop interface users, nor users who are signing in with their company SSO.

Recommendations:

To help reduce the number of users who will be required to change their password when Encompass 25.4 is released, administrators can notify intended users now to proactively change their password prior to the Encompass 25.4 release. In addition, it is recommended that Encompass administrators review the user profiles to determine that the Force user to change password option is only selected for the intended users who should be required to change their password.

TPO Connect administrators can also notify external TPO users to change their password prior to the Encompass 25.4 release.

An issue occurred where Persona Access to Fields business rules set up to hide or deactivate the Automate Analyzer Income checkbox (ANALYZER.X18) on the Income Analyzer Message screen based on the user's assigned persona was not operating correctly. The checkbox field was still displayed and active for users with the assigned persona even though the rule was set up to hide it or deactivate it from them. This issue has been resolved and the Persona Access to Fields business rules are now operating correctly and the rule is enforced as expected.