New Features & Forms in Version 18.4.0.8

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This Encompass 18.4 January Service Pack Critical Patch 2 includes updates to users' Encompass client machines.

Why we added this feature: This feature was added to enable batch loan updates to ensure lender HMDA reporting is updated to the latest version of all mapping rules without requiring loans to be individually accessed. The batch update functionality saves time and effort by retriggering the HMDA field mapping and calculations in multiple loan files without having to open and adjust the loan files individually.

Updates to the Encompass Client Machines

The Encompass 18.4 January Service Pack Critical Patch 2 includes the following item, which is a client-side update that is applied to users' Encompass client machines. This client update can be controlled manually via the Encompass Version Manager tool. If the tool has been configured to always apply new releases to users’ computers automatically, users will receive this update upon their initial log in of Encompass following the release.

New HMDA Batch Loan Update Tool

(Updated on 1/28/2019)

Several clarifications to automated calculation rules and new fields with potential impact to client HMDA Loan Activity Reports (LAR) have been introduced over the past several Encompass releases. In order to ensure lender reporting is updated to the latest version of all mapping rules without requiring loans to be individually accessed, a HMDA Batch Update tool is being 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)

This HMDA Batch Loan Update Tool was originally released in the Encompass 18.4 January Service Pack Critical Patch 1 (18.4.0.7). However, an issue occurred with this tool where the Action Taken Date (field ID 749) was inadvertently updated when the tool was run to recalculate HMDA-related fields. The tool has been updated to fix this issue and is now available with this Encompass 18.4 January Service Pack Critical Patch 2 (18.4.0.8) release. If you previously upgraded to Encompass 18.4.0.7, please ensure that you have upgraded to 18.4.0.8 before proceeding with using the tool.

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.

CBIZ-22094, CBIZ-22219

 

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