Manual LOS

Encompass (Loan Origination System)
Technology Advancement Group

CONTENTS
Encompass Configuration / Settings ............................................................................................................................... 7
Company/User Setup........................................................................................................................................................ 7
Company Information ...................................................................................................................................................... 7
DBA Name ........................................................................................................................................................................ 7
License Information ..................................................................................................................................................... 7
Statutory Election ......................................................................................................................................................... 8
Ellie Mae Network Company .................................................................................................................................... 8
Services Password Management ............................................................................................................................ 9
Personas.......................................................................................................................................................................... 13
Organization .................................................................................................................................................................. 15
Roles ................................................................................................................................................................................. 19
Milestones ...................................................................................................................................................................... 21
User Groups ................................................................................................................................................................... 21
Business Rules ........................................................................................................................................................................ 24
Types of Rules .............................................................................................................................................................. 24
Descriptions .................................................................................................................................................................. 24
Loan Folder Business Rules ......................................................................................................................................... 26
Loan Folder Rules – Umpqua Bank...................................................................................................................... 26
Milestone Completion..................................................................................................................................................... 29
Active Milestone Rules .............................................................................................................................................. 29
Active Milestone Rules (cont’d) ............................................................................................................................ 39
InActive Milestone Rules ......................................................................................................................................... 40
Field Data Entry ................................................................................................................................................................ 43
Field Data Entry Rules............................................................................................................................................... 43
Encompass Administrator Manual.docxInternal Use Only Page 2 of 142

Field Triggers ..................................................................................................................................................................... 48
Active Trigger Rules................................................................................................................................................... 48
Inactive Trigger Rules ............................................................................................................................................... 72
Role Access to Documents ............................................................................................................................................ 75
Document Added / Role Access to Document................................................................................................. 75
Input Form List.................................................................................................................................................................. 76
Input Form Rules......................................................................................................................................................... 76
Loan Form Printing ......................................................................................................................................................... 88
Inactive Loan Form Printing Rules ...................................................................................................................... 88
Print Auto Selection......................................................................................................................................................... 89
Inactive Print Auto Selection Rules ..................................................................................................................... 89
Loan Setup ................................................................................................................................................................................ 90
Auto Loan Numbering .................................................................................................................................................... 90
Auto MERS MIN Numbering ........................................................................................................................................ 91
Loan Folders ....................................................................................................................................................................... 92
Archive Folders ............................................................................................................................................................ 92
Trash Folder .................................................................................................................................................................. 92
Alerts ................................................................................................................................................................................ 93
Tasks ................................................................................................................................................................................... 101
Default Input Forms ..................................................................................................................................................... 102
Input Forms (Default 33) ...................................................................................................................................... 102
Condition Forms ............................................................................................................................................................ 104
To Create a Condition Form................................................................................................................................. 104
Custom Print Forms ..................................................................................................................................................... 107
Companywide Custom Print Forms ................................................................................................................. 108

Archived Custom Forms ........................................................................................................................................ 110
System Use Only ....................................................................................................................................................... 110
Print Form Groups ........................................................................................................................................................ 112
Loan Custom Fields ...................................................................................................................................................... 114
Pre-Defined Custom Field IDs ............................................................................................................................. 114
User-Defined Custom Field IDs .......................................................................................................................... 114
Custom Calculations................................................................................................................................................ 114
Channel Options............................................................................................................................................................. 115
Lock Expiration Date.................................................................................................................................................... 116
RESPA ................................................................................................................................................................................. 117
Disclosure Tracking Settings .................................................................................................................................... 118
eFolder Setup ....................................................................................................................................................................... 119
Documents ....................................................................................................................................................................... 119
Custom Forms ........................................................................................................................................................... 119
Document Groups ......................................................................................................................................................... 120
Document Groups List ........................................................................................................................................... 120
Document Stacking Order.......................................................................................................................................... 121
eDisclosures..................................................................................................................................................................... 122
Conditions ........................................................................................................................................................................ 122
Condition Sets ................................................................................................................................................................. 123
Post-Closing Conditions.............................................................................................................................................. 123
Conditions ................................................................................................................................................................... 123
Post-Closing Condition Sets ...................................................................................................................................... 124
Secondary Setup ............................................................................................................................................................ 125
Investor Templates ................................................................................................................................................. 125

Adjustment Templates ........................................................................................................................................... 125
Contact Setup ............................................................................................................................................................. 125
Borrower Contact Status ....................................................................................................................................... 125
Borrower Contact Update .......................................................................................................................................... 125
Closing Costs ................................................................................................................................................................... 126
Input Form Sets.............................................................................................................................................................. 126
Settlement Service Providers ................................................................................................................................... 128
UB Service Providers (for Title and Settlement Services) ...................................................................... 128
Document Sets ................................................................................................................................................................ 131
Task Sets ........................................................................................................................................................................... 132
Companywide Tasks Sets ..................................................................................................................................... 132
Personal Task Sets ................................................................................................................................................... 132
Data Templates .............................................................................................................................................................. 134
Public Data Templates ........................................................................................................................................... 134
Private Data Templates ......................................................................................................................................... 134
Loan Template Sets ................................................................................................................................................. 135
Data Conflicts ............................................................................................................................................................. 136
Loan Programs .......................................................................................................................................................... 137
Tables and Fees .............................................................................................................................................................. 142
Escrow .......................................................................................................................................................................... 142
Title ................................................................................................................................................................................ 142

Document Revisions
Date Version Name Description
07/06/2011 20110706 Moon Bae Document created.
08/23/2011 20110823 Deborah

Document modified – Encompass Configuration
Holmes
September 20110901 Deborah Adding Company Information Section – Updating

Holmes Organization/Users Hierarchy
October 20111001 Deborah

Loan Setup Section
Holmes
10/19- 20111020 Deborah

Business Rules Section
10/31/2011 Holmes

ENCOMPASS CONFIGURATION / SETTINGS
Ellie Mae’s Encompass360 Bankers Edition is replacing Harland’s E3 LOS in several phases. The
pilot phase started August 15, 2011. Check with Molly McNealy
COMPANY/USER SETUP
Encompass structure: Every Encompass user belongs to…
o One Organization
o One or more User Groups
o One or more Roles
o One or more Personas
Each Role can consist of multiple Personas and User Groups
COMPANY INFORMATION
The Company Information feature is used to enter company information and licensing data for
Umpqua Bank and its branches.
The Company Information is printed on reports and placed in loan forms as applicable. For
example, when a new loan is started, the company fields on Page 3 of the 1003 application are
automatically populated with the information entered in the Company Information section.
DBA NAME
The DBA Name fields can be used to enter as many as four names DBA Names. Umpqua Bank does
not make use of DBA names so this field remains blank.
LICENSE INFORMATION
Licensing information is used when running compliance testing on a loan file. The License and
License Type in sections specify “State Savings Bank (STSB)” as the lender type for Umpqua Bank,
the home state of Oregon where the company’s main office is located, and the type of licenses used
by Umpqua Bank and its branches in each state.

STATUTORY ELECTION
When a company does business in Maryland or Kansas, the appropriate option for Statutory
Election in Maryland or Kansas can be selected for first lien, subordinate lien, junior, closed-end,
and open-end loans for subject properties.
ELLIE MAE NETWORK COMPANY

During the initial installation of Encompass360, the Ellie Mae Network company password is
created by the system administrator and is used to prevent unauthorized access to the Loan
Mailbox and any electronic service providers.
Use the Ellie Mae Network Company Password feature when you need to make subsequent changes
to the password. If you change the company password, the new password would need to be
communicated to your users as they will be required to type the new password the next time they
access any electronic service providers or the Loan Mailbox.

To Change Your Ellie Mae Network Company Password,
1. On the menu bar, click Encompass Settings.
2. On the left panel, click Company/User Setup > Ellie Mae Network Company Password.
The Ellie Mae Network Company Password window opens.
3. Enter the Old Password in the corresponding field.

4. Enter the New Password and then retype it in the Confirm Password field.
5. Click the Save icon.
SERVICES PASSWORD MANAGEMENT

The Services Password Management tool is used to set up usernames and passwords (and other
applicable login credentials) for individual Encompass360 users to use when ordering Ellie Mae
Network services.
The Mortgage Operations group currently takes advantage of SSO authentication for two services –
1) Fannie Mae and 2) Pricing Engine.
Through the services password management link, SSO access for a single user or multiple users
based on Personas, User Groups and Organizations can be provided. All new users are granted SSO
access via the Services Password Management window for any services currently setup with SSO
authentication.

In the near future, more services and applications will be available utilizing SSO authentication.
Should put the related document on a share drive and then include a link to the document. Once
that is completed, you can remove the Encompass - New User Setup instructions (duplication)
To setup single sign on access to services for a new user, group or organization
1. On the menu bar, select the Company/User Setup > Services Password Management
options. The Services Password Management window opens.
The Services Password Management window displays: 1) the list of services and/or
applications currently available, 2) the Provider Name, 3) a description of the provided
services or applications, and 4) the current number of users’ setup with SSO access to the
services / applications.
2. Double-click the service you want to setup for the new user, group or organization. The
Account Details dialog opens.

3. The next step is to click the magnifying glass icon. The Users dialog opens.
Within this dialog, you can search for new users based on a Persona, User Group or
Organization. The data displayed in each column changes based on the selection with the
current focus. To change the focus, select a Search by category: Persona, User Group and

Organization. As you change the focus, the Enabled Users and Selected Users columns match
the Persona, Group or Organization selection. Once you select a Persona, User Group or
Organization, locate the new user, group or organization and move them from the Enable User
column to the Selected Users column.
Note: Using this dialog, you can setup multiple users at the same time.
4. Select the Persona, User Group or Organization from the Search by drop down list.
5. Highlight the user, group or organization and click the Move button >> to transfer your
selection to the Selected Users column.
6. Highlight the users in the Selected Users column and then click the Select button. Control
returns to the Accounts Details dialog.
7. Click the Save button on the Accounts Details dialog. The new user is now added to the
selected service. Control returns to the Services Password Management window.
8. Repeat steps 1 through 7 for every service the new user needs access to.

PERSONAS
Personas represent job functions at Umpqua Bank and access to functions, forms, and tools in
Encompass. One or more personas are assigned to each user, depending on the job functions they
perform within the company.
Again, each persona defines access to functions, forms, and tools and one or more personas are
usually assigned to a user.
The Personas defined for Umpqua Bank are:
zEvery User - any user who has Encompass login.

Compliance
o Resource Center - Doesn’t have any privileges to files, but only have access to
Encompass Resource Center.
o Setup
o Area Support Team Manager
o Loan Officer (LO) - Develops business and initiates loans: develops new client
relationships and manages relationships over time; initiates the loan process,
gathers basic client information, orders services for pre-qualification and
preapproval, and communicates with processor; monitors loans in the pipeline by
tracking milestones and items requiring action.
BSA Group
Auditor
COQ Loan Officer - LO who can bypass LP and submit directly to UW (not currently used).
LO Assistant (LA) - Assists LO’s.
o Loan Processor (LP) - Coordinates people and information to construct and finalize
loans: uses tools such as forms, documents, and communication logs; monitors own
pipeline by tracking milestones and items requiring action.
Loan Validator - Junior UW. Has same access as UW.
o Underwriter (UW) - Verifies loan accuracy, provides conditions to be met, and then
verifies that conditions are met.
o Doc Drawer (DD) - Closer. Manages the closing process: completes and audits the
closing information; orders closing documents; reviews, prints, and reorders
returned closing documents.
o Funder (FN) - Manages the funding process.
o Quality Control (QC) - Inspects loans for quality.
o Servicer (SV) - Services the loan.
o Lock Desk (LD) - Receives and processes lock requests.
o Marketing (MK) - Markets to contacts to generate leads.
o Accounting (AC) - Manages financial documents.
Executive Manager (EM)

Area Manager (AM)
Sales Manager (SM)
Processing Manager (PM)
Ops Manager (OM)
UW Manager (UM)
Closing Manager (CM)
Funding Manager (FM)
o Secondary Marketing (SC) - Determines pricing strategies and develops/implements
loan programs.
Investor Delivery Manager(ID)
o Shipper (SH) - Assists with inventory control and provides input to secondary
marketing functions; ships loans to document custodians and the investor.
o Appraisal Desk - Orders appraisals
Note: Encompass360 ships with the Admin user ID (for use by the main system administrator)
and two administration personas (the Super Admin and the Admin). These personas are not
configurable, and are assigned when creating or maintaining individual user IDs.

ORGANIZATION
In Encompass, the organization hierarchy is used to establish the relationships between users
within Umpqua Bank. The hierarchy is depicted as a series of related folders that typically
represent organizations, departments, branch offices, or job functions (such as loan processor).
Each folder contains the users who work at that level in the hierarchy.
Although the hierarchy typically matches the structure of your business, it is not an organizational
chart. The hierarchy's main function is to determine which users will have default access to other
users' loan files.
Umpqua Organization
Executive Management
Accounting Management
o Accounting Personnel
Appraisal Management
Compliance Management
o Compliance Personnel
Construction Loan Management
o Construction Loan Specialists
CRA (compliance & auditing)
External Auditors
Internal Auditors
Operations Management
0271 Area Support Team Manager
o 0271 – Closers
o 0271 – Processors
o 0271 – Underwriters
o 0275 – Closers
0277 Area Support Training
o 0279 – Closers
1271/1275 Area Support Team Manager
o 1271/1275 Closers
o 1271/1275 Processors

o 1271/1275 Underwriters
1371/1271/1275 Area Support Team Manager
o 1371 Closers
o 1371 Processors
o 1371 Underwriters
Archiving Management
o Archiving Personnel
Investor Delivery Management
o Shipper
Production Loan Management
o 0242 Direct Lending Region
 0242 DLG Loan Officers
 0242 DLG Processors
o 0271 Portland Metro Region

 0271 Bend
 0271 Lake Oswego
 0271 Longview
 0271 Mill Plain
 0271 Portland
 0271 Portland - Alberta
 0271 Tanasbourne
 0271 Tigard
 0271 Tigard Sales Team
 0271 Vancouver
o 0271A Clackamas
 0271 Clackamas
o 0275 OR Mid Valley Region

 0275 Albany
 0275 Corvallis
 0275 Eugene – Oak St
 0275 Eugene – Oakway
 0275 Eugene – West 11th
 0275 Garden Valley
 0275 Lebanon
 0275 Roseburg
 0275 Salem
Salem – Commercial
Salem – Lancaster

 0275 Springfield
 0275A Eugene
0275A Newport
0275A Salem - Commercial
 0275B Pendleton
o 0277 Test-Branch
0279 South OR/North CA Region
o 0279 Chico - Pillsbury
o 0279 Coos Bay - Broadway
o 0279 Grants Pass
o 0279 Medford
o 0279 Medford - Main
o 0279 North Bend
o 0279 Redding
o 0279A Eureka
 0279A Arcata
 0279A Eureka Main
 0279A Fortuna
1271 Bay Area Region

o 1271 Napa
o 1271 Santa Rosa
o 1271 Santa Rosa – Sales Team
o 1271 Vacaville
o 1271 Walnut Creek
o 1271A Walnut Creek
 1271 Walnut Creek
o 1275 Sacramento Region

 1275 Folsom – Bidwell
 1275 Sacramento
 1275 Vallejo
 1275A Sonora Junction
1275A Lodi
1275A Modesto
 1275B Roseville
1275B El Dorado Hills

1275B Elk Grove
1275B Folsom
1275B Reno
1275B Roseville
1275B Sacramento
 1275C Sacramento Region
1275C Roseville
o 1371 Puget Sound Region

 1371 Bellevue
 1371 Gig Harbor
 1371 Kent
 1371 Lynnwood
 1371 Seattle
 1371 Seattle – Eastlake
 1371 Seattle – Queen Avenue
 1371 Tacoma
 1371 Tacoma – Pearl St
 1371 University Place
 1371A Seattle
 1371A 3rd Ave Seattle
o Marketing Management
 Test_Marketing
Quality Control Management

o QC Personnel
Secondary Marketing Management
o Lock Desk Specialist
o Secondary Marketing
Servicing Management
o Invest Acct Loss Mitigation
o Loan Servicing Manager
 Loan Servicing Personnel

ROLES
Roles carry out loan tasks in the workflow. A role (e.g., Processor) can be associated with each
milestone in the workflow. For example, when tasks are completed at the Processing milestone, the
loan is assigned (handed off) to the loan team member that will fulfill the Underwriter role.
A role can consist of multiple personas and user groups. For example, the loan originator role
(Loan Officer) can include a loan assistant and loan officer persona. If you assign a user group to a
role, all members of the group will have access to a loan when it is assigned to the role.
Roles, Personas, User Groups, Assigned to Milestone

The Roles definitions are as follows:
Accounting (AC) - Manages financial documents.

Auditor (AU)
Doc Drawer (DD) - Manages the closing process.
Funder (FN) - Manages the funding process.
LO/LO Assistant (LL)
Loan Officer (LO) - Develops business and initiates loans.
Loan Processor (LP) - Coordinates people and information to construct and finalize loans.
Lock Desk (LD) - Locks loan at current rate.
M3-XM, OM, SC, QC, CS (M3)  Personas: zEvery User
Processor/COQ (PQ)
Quality Control (QC) - Inspects loans for quality.
Recycle Bin (RB)  Personas: zEvery User
Servicer (SV) - Services the loan.
Shipper (SH) - Assists with inventory control and provides input to the secondary
marketing functions; ships the loans to document custodians and the investor.
UW/LV 2 (U2) - This role was created for re-submittal purpose.
UW/Validator (UV)
Helper roles: these were created to enable them to “help” – i.e. by assigning a Helper LO
(HL) to a loan file, HL would be able to access the loan and help the LO assigned to the loan
file. Once help is not needed, HL would need to be unassigned.
o Helper COQ (HC)
o Helper COQ (HC)
o Helper Doc Drawer (HD)
o Helper Funder (HF)
o Helper Inv. Delivery (HI)
o Helper LO Assistant (HA)
o Helper Loan Officer (HL)
o Helper Processor (HP)
o Helper Servicer (HS)
o Helper Underwriter (HU)
o Helper Validator (HV)

MILESTONES
Milestones are steps in the workflow that contain loan tasks that are carried out by an assigned
loan team member.
At Umpqua Bank, the Milestones, Days to Finish, Roles, and Roles Assigned to Next Milestone are
defined as follows:
USER GROUPS
User groups are sets of people or things which can contain individuals and/or organizations to
grant or restrict access to resources.
NOTE: The All Users group is the default group that contains all Umpqua users. You cannot
delete or modify the members; but you can edit the access settings.
Best Practices and Guidelines

Use the All Users group to grant minimum access for all users.
Create additional user groups to grant access specific to the needs of each group. For
example, you can create a group for a specific state that grants access to templates and
forms used only in that state.
When you are setting Access Right options, select Edit only for those users who will be
creating and maintaining the item. Select View Only access for all other users.

If access conflicts occur between user groups, members are granted the greatest access. For
example, a user could be a member of the zEvery User group and a group called Branch 1. If
the Branch 1 group grants access to a loan folder called "B1" (which is not granted to the
zEvery User group), members of the Branch 1 group will only be able to access the "B1" loan
folder.
If access conflicts occur within a user group, the most specific access will take precedence.
For example, if you set Edit as the Access Right to all loan programs in the Companywide
Loan Program folder, but then set View Only as the Access Right to one of the individual
loan programs, the access to the individual loan program will be View Only.
User Groups defined for Umpqua Bank are:
All Users:
o The default group containing all of Encompass users at Umpqua Bank.

o The members cannot be deleted or modified.
The access settings can be edited.

Use this group to grant the minimum access that all users should have.
0242 DLG Loan Officers
0242 DLG Processing
0242 Employee Loans
0270 Construction
0270 Executive Managers
0270 I Am Special
0270 Processors
0270 Team_AC
0270 Team_SH
0270 Test Loan Access
0271 Bend LOA
0271 Closers
0271 Portland LOA
0271 Setup
0271 Tigard Sales Team
0271 UW
0273 Team_SV
0275 Closers
0275 Ekwere LOA

0275 Lesire LOA
0275 Little LOA
0275 McEligott LOA
0275 Norlander LOA
0275 Region LOA
0275 Roseburg Sales Team
0275 Setup
0275 UW
0275B Pendleton LOA
0277 Loan Officers
0279 Closers
0279 Redding LOA
0279 Setup
0279 UW
1271 Santa Rosa Sales Team
1271/1275 Closers
1271/1275 Setup
1271/1275 UW
1275 Starelli Region LOA
1275B El Dorado Hills Team
1371 Closers
1371 Region LOA
1371 Setup
1371 UW
Admin
Audit – WT
BSA Group
CRA
FOR OFFICE USE ONLY JumpStartUserGroups
I Have Read Only
Marketing
Test_LO Assistant

BUSINESS RULES
Business Rules enforce workflow requirements, field values, and access to loan files. Business rules
also enhance the data integrity of Umpqua Bank’s loan files.
Use business rules to create rules that enforce workflow requirements, field values, and access to
loan files and fields. For example, you can create a rule that specifies which documents must be
received before a milestone can be marked as finished. You can also define the input forms that are
available to a user based on the loan type.
TYPES OF RULES
There are several different types of business rules. In the example shown below, these business rule
types apply to the Loan Tab:
Loan Folder Business Rule - Used to create and edit business rules that determine how
users can originate and move loans into loan folders.
Role Access to Documents - Used to control access to loan documents in the eFolder.
Appraisal Order Management - Used to configure the appraisal ordering process for
different types of loans.
LO Compensation Rule - Used to prevent originator compensation from being paid by the
borrower and third party source.
General Loan File Business Rules (in the red boxes below) - Used to enforce workflow
requirements, field values, and access to loan files and fields.
DESCRIPTIONS
General loan file business rules include:
Milestone Completion - Defines the documents, tasks, and fields that must be completed
before a milestone can be marked as finished.
Field Data Entry - Controls the values entered in loan fields. Defines pre-required fields.
Field Triggers - Defines actions that occur when the value in a field is changed.
Persona Access to Fields - Defines the access level for fields based on the persona. Fields
can be hidden, set as view only, or set to be editable.
Persona Access to Loans - Defines loan access based on a persona. In other words, define
who can do what and when with the entire loan file.
Input Form List - Define the input forms to display on the Forms tab based on the selected
condition.
Loan Form Printing – Restricts the printing of specified forms until required fields are
completed.
Print Auto Selection – Determines the default set of forms to select for printing when
required conditions are met.

There are several different types of business rules. To view Field Data Entry, Field Triggers,
Persona Access to Fields, Persona Access to Loans, business rules, click here or copy and paste the
following: http://t-
e3web1:81/projects/Shared%20Documents/Encompass%20Project/Encompass%20Documents/
Encompass%20Business%20Rules.xlsx – need to move/store this document onto a share drive
unless the only users accessing this document have access to SharePoint. Be sure to change the
link if moved.

LOAN FOLDER BUSINESS RULES
The Loan Folder Business Rule tool is used to create and edit business rules that determine how UB
associates can originate and move loans in loan folders. There are two types of Loan Folder
Business rules:
Origination Rule - The Origination Rule determines the following:
o If a loan can be originated in the specified loan folder. (For example, select No for a
folder in which you place only approved loans. This will remove the ability to start a
loan in this folder.)
o If a loan can be duplicated in the specified loan folder. (If Yes, loan files in the folder
can be duplicated.)
o If a loan can be duplicated into the specified loan folder. (If Yes, duplicated loan files
can be added to the loan folder.)
o If a loan can be imported into the loan folder. (If No, loan files cannot be imported
into the folder.)
Setup Move Rule - The Setup Move rule defines the requirements which must be met
before loans can be moved to the specified folder.
LOAN FOLDER RULES – UMPQUA BANK

“2011 Adversed”
Origination Rule: Loans can be….

o Duplicated from the loan folder
Move rule: when the Loan is…

o Application approved but not accepted
o Application denied
o Application withdrawn
o File Closed for incompleteness
o Preapproval request denied by UB
o Preapproval request approved but not accepted
“2011 Completed”

Move rule: when the Loan is…

o Active Loan
o Loan Originated

o Loan Purchased by UB
“My Pipeline”

Move rule: when the Loan Status is…

o Active Loan
o Loan Originated
“Prospects”
Setup Origination Rule: Loans can be….

o Originated in the loan folder
o Duplicated into the loan folder
o Imported into the loan folder
Move rule does not apply.

“Purchased”

Move rule: when the loan status or the finished milestone is….
o Active Loan
o Loan Originated

“Test”
Setup Origination Rule: Loans can be...

Move Rule: Does not apply.

“Employee Loans”

Move rule: when the loan status or the finished milestone is….
o Active Loan
o Loan Originated
“Training”
Setup Origination Rule: Loans can be….

Move Rule: Does not apply.

MILESTONE COMPLETION
The Milestone Completion tool is used to define and manage requirements that must be met before
a milestone is finished. Using this tool, you have the ability to specify a condition for applying the
rule, including documents that must be received, and fields that are required.
For example, you could create a milestone rule that requires that the credit report has been
received before the File Started milestone can be marked as Finished.
ACTIVE MILESTONE RULES

Name Condition for Required ID Required Fields For Role
Rule Tasks Name Description Milestone
1003 PG3 Yes, Apply this rule 1523 Borr Ethnicity Send to
HMDA only if: [479] = Processing
Ethnicity & "FaceToFace"
Sex BR
471 Borr Sex Send to
Male/Female Processing
1003 PG3 Yes, Apply this rule 1531 Co-Borr Ethnicity Send to
HMDA only if: [479] = Processing
Ethnicity & "FaceToFace" and
Sex CB [4004] <> "" and
[4006] <> ""
478 Co-Borr Sex Send to
Male/Female Processing
1003 PG3 Yes, Apply this rule 1524 Borr Race Send to
HMDA Race only if: ([479] = American Indian Processing
American "FaceToFace" and
Indian [1524] <> "Y" and
[1525] <> "Y" and
[1526] <> "Y" and
[1527] <> "Y" and
[1528] <> "Y" and
[1529] <> "Y" and
[1530] = "")
1003 PG3 Yes, Apply this rule 1532 Co-Borr Race Send to
HMDA Race only if: ([479] = American Indian Processing
American "FaceToFace" and
Indian CB [4004] <> "" and
[4006] <> "" and
[1532] <> "Y" and
[1533] <> "Y" and
[1534] <> "Y" and
[1535] <> "Y" and

[1536] <> "Y" and
[1537] <> "Y" and
[1538] = "")
1003 PG3 Yes, Apply this rule 1525 Borr Race Asian Send to
HMDA Race only if: ([479] = Processing
Asian "FaceToFace" and
[1524] <> "Y" and
[1525] <> "Y" and
[1526] <> "Y" and
[1527] <> "Y" and
[1528] <> "Y" and
[1529] <> "Y" and
[1530] = "")
HMDA Race only if: ([479] = Asian Processing
Asian CB "FaceToFace" and
[4004] <> "" and
[4006] <> "" and
[1532] <> "Y" and
[1533] <> "Y" and
[1534] <> "Y" and
[1535] <> "Y" and
[1536] <> "Y" and
[1537] <> "Y" and
[1538] = "")
1003 PG3 Yes, Apply this rule 1526 Borr Race Black Send to
Black "FaceToFace" and
[1524] <> "Y" and
[1525] <> "Y" and
[1526] <> "Y" and
[1527] <> "Y" and
[1528] <> "Y" and
[1529] <> "Y" and
[1530] = "")

HMDA Race only if: ([479] = Black Processing
Black CB "FaceToFace" and
[4004] <> "" and
[4006] <> "" and
[1532] <> "Y" and
[1533] <> "Y" and
[1534] <> "Y" and
[1535] <> "Y" and
[1536] <> "Y" and
[1537] <> "Y" and
[1538] = "")
1003 PG3 Yes, Apply this rule 1527 Borr Race Native Send to
HMDA Race only if: ([479] = Hawaiian Processing
Native "FaceToFace" and
Hawaiian [1524] <> "Y" and
[1525] <> "Y" and
[1526] <> "Y" and
[1527] <> "Y" and
[1528] <> "Y" and
[1529] <> "Y" and
[1530] = "")
HMDA Race only if: ([479] = Native Hawaiian Processing
Native "FaceToFace" and
Hawaiian CB [4004] <> "" and
[4006] <> "" and
[1532] <> "Y" and
[1533] <> "Y" and
[1534] <> "Y" and
[1535] <> "Y" and
[1536] <> "Y" and
[1537] <> "Y" and
[1538] = "")
1003 PG3 Yes, Apply this rule 1538 Co-Borr Race Not Send to
HMDA Race only if: ([479] = Applicable Processing
Not "FaceToFace" and
Applicable CB [4004] <> "" and
[4006] <> "" and
[1532] <> "Y" and
[1533] <> "Y" and
[1534] <> "Y" and

[1535] <> "Y" and
[1536] <> "Y" and
[1537] <> "Y" and
[1538] = "")
1003 PG3 Yes, Apply this rule 1537 Co-Borr Race Info Send to
HMDA Race only if: ([479] = not provided Processing
Not Provided "FaceToFace" and
CB [4004] <> "" and
[4006] <> "" and
[1532] <> "Y" and
[1533] <> "Y" and
[1534] <> "Y" and
[1535] <> "Y" and
[1536] <> "Y" and
[1537] <> "Y" and
[1538] = "")
1003 PG3 Yes, Apply this rule 1530 Borr Race Not Send to
HMDA Race only if: ([479] = Applicable Processing
Not "FaceToFace" and
Applicable [1524] <> "Y" and
[1525] <> "Y" and
[1526] <> "Y" and
[1527] <> "Y" and
[1528] <> "Y" and
[1529] <> "Y" and
[1530] = "")
1003 PG3 Yes, Apply this rule 1529 Borr Race Info Send to
HMDA Race only if: ([479] = not provided Processing
Not Provided "FaceToFace" and
[1524] <> "Y" and
[1525] <> "Y" and
[1526] <> "Y" and
[1527] <> "Y" and
[1528] <> "Y" and
[1529] <> "Y" and
[1530] = "")

1003 PG3 Yes, Apply this rule 1528 Borr Race White Send to
White "FaceToFace" and
[1524] <> "Y" and
[1525] <> "Y" and
[1526] <> "Y" and
[1527] <> "Y" and
[1528] <> "Y" and
[1529] <> "Y" and
[1530] = "")
HMDA Race only if: [479] = White Processing
White CB "FaceToFace" and
[4004] <> "" and
[4006] <> ""and
[1532] <> "Y" and
[1533] <> "Y" and
[1534] <> "y" and
[1535] <> "Y" and
[1536] <> "Y" and
[1537] <> "Y" and
[1538] = "")
1003 Pg3 Yes, Apply this rule 981 Borr Declarations Send to
m.Ownership only if: [403] = M1 Processing
interest in "Yes"
Property BR
1069 Borr Declarations Send to
M2 Processing
1003 Pg3 Yes, Apply this rule 1015 Co-Borr Send to
m.Ownership only if: [1108] = Declarations M1 Processing
interest in "Yes"
Property CB
1070 Co-Borr Send to
Declarations M2 Processing
1003 No, Always apply Move loan Send to LO
Required this rule from Prospect Processing
fields prior to to My Pipeline
Send to
Processing BR
Credit Report Send to LO
Reviewed Processing

A Processing
B Processing
C Processing
D Processing
E Processing
F Processing
G Processing
H Processing
I Processing
J Processing
K Processing
L Processing
M Processing
1402 Borr DOB Send to
Processing
34 Borr Funds to Send to
Close – Down Processing
Pymt Source
66 Borr Home Send to
Phone Processing
1416 Borr Mailing Addr Send to
Processing
1417 Borr Mailing City Send to
Processing
1418 Borr Mailing Send to
State Processing
1419 Borr Mailing Zip Send to
Processing
52 Borr Marital Send to
Status Processing
FR01 Borr Present Send to
04 Addr Processing
FR01 Borr Present City Send to
06 Processing
FR01 Borr Present Send to
07 State Processing

FR01 Borr Present Zip Send to
08 Processing
39 Borr School # Yrs Send to
Processing
319 File Contacts Send to
Broker Lender Processing
Addr
City
Name
State
Zip
3238 NMLS Loan Send to
Originator ID Processing
12 Subject Property Send to
City Processing
Estate Held Processing
Occupancy Processing
Status
State Processing
Title Name 1 Processing
Type Fannie Mae Processing
Zip Processing
479 Trans Details Send to
Application Processing
Taken By
Interviewer Name Processing
Interviewer Processing
Phone
1401 Trans Detail Loan Send to
Program Processing
Loan Purpose Processing

1003 Yes, Apply this 38 Borr Age Send to
Required rule only if Processing
fields prior to Advanced
Send to Conditions is:
Processing BR IsEmpty([MS.PRO
- Age C])
1003 Yes, Apply this Move loan from Send to LO
Required rule only if: [4004] Prospect to My Processing
fields prior to <> "" and [4006] Pipeline
Send to <> ""
Processing CB
Reviewed Processing
175 Co-Borr Send to
Declarations A Processing
266 Co-Borr Send to
Declarations B Processing
Declarations E Processing
464 Co-Borr Send to
Declarations F Processing
179 Co-Borr Send to
Declarations G Processing
180 Co-Borr Send to
Declarations H Processing
177 Co-Borr Send to
Declarations I Processing
985 Co-Borr Send to
Declarations J Processing
467 Co-Borr Send to
Declarations K Processing
Declarations L Processing
Declarations M Processing
1403 Co-Borr DOB Send to
Processing
98 Co-Borr Home Send to
Phone Processing

1519 Co-Borr Mailing Send to
Address Processing
City Processing
State Processing
Zip Processing
84 Co-Borr Marital Send to
Status Processing
FR02 Co-Borr Present Send to
04 Addr Processing
06 City Processing
07 State Processing
08 Zip Processing
71 Co-Borr School # Send to
Yrs Processing
Addr
City
Name
State
Zip
3238 NMLS Loan Send to
Originator ID Processing
City Processing

Estate Held Processing
Occupancy Status Processing
State Processing
Title Name 1 Processing
Type Fannie Mae Processing
Zip Processing
Application Processing
Taken By
Name
Phone
Loan Program Processing
Loan Purpose Processing
176 Co-Borr Send to
Declarations C Processing
178 Co-Borr Send to
Declarations D Processing
1003 Yes, Apply this 70 Co-Borr Age Send to
Required rule only if: Processing
fields prior to IsEmpty([MS.PRO
Send to C]) and [4004] <>
Processing CB "" and [4006] <>
- Age ""
1003 Yes, Apply this 910 Income Borr Send to
Required rule only if Total income Processing
Income prior Advanced
to Send to Conditions is: NOT
Processing BR ([1172] = "VA" OR

[1172] = "FHA")
Move loan from Send to LO

Prospect to My Processing
Pipeline
Reviewed Processing
ACTIVE MILESTONE RULES (CONT’D)

Name Condition for Required Required Rqrd Required For
Rule Docs Tasks Name Field Fields Milestone
ID Descr.
FHA Yes, Apply this rule HUD-
Milestone only if: 92900-LT
Approval
Requiremen [1401].Contains("F FHA Loan
ts HA") Transmittal
Mortgage
Insurance Completion
Certificate
Insurance
Mtg Ins Send to
1107
Upfront Processing
Factor
Insurance
Send to
Mtg Ins 1198
Processing
Period 1
Rate must
Yes, Apply this rule Closing Loam
be locked
only if: Rate is 2400 Info Loan is Resubmit
before
Unlocked Locked
Resubmit
Required
fields prior Yes, Apply this rule REGZ Loan
to only if: Info
L770 Funding
completing IsEmpty([MS.FUN] Document
Funding ) Date
Milestone

Name Condition for Required Required Rqrd Required For
Rule Docs Tasks Name Field Fields Milestone
ID Descr.
Yes, Apply this rule
only if:
Umpqua to IsEmpty([MS.SUB])
CX.PAY Umpqua to
Umpqua and ([19] =
OFFLE Umpqua Submittal
Refi Payoff "NoCash-Out
NDER Refinance
Lender Refinance" OR
[19] = "Cash-Out
Refinance")
INACTIVE MILESTONE RULES

Name Condition for Required Tasks Rqrd Required For Role
Rule Name Field Fields Milestone
ID Description
Applies to all No, Always apply Review and verify Docs Out DD
loans this rule lock request (Archived)
Complete the Funding FN
Accounting Noify
Milestone
IMMEDIATELY
Borrower Qualified LO
Authorization to Pull
Credit
Credit Report Qualified LO
Reviewed
Move loan from Send to LO
Prospect to My Processing
Pipeline
Advise Loan Officer Submittal LP
and applicant about
any conditions the
applicant must
provide
Obtain a verbal VOE Submit to LP
for each applicant Close
receiving W-2 or self-
employment income
Verify that hazard Submit to LP
insurance is Close
acceptable and
adequately
documented in the
file

ID Description
Special Feature Credit UW
Codes Approval
Assign Loan File Credit UW
Approval
SFC Input Approval UW
Complete the Acctg FN
Servicer Notify Notified
Milestone (Archived)
IMMEDIATELY
Condo/PUD Yes, Apply this Condo Input Approval UW
Loan rule only if:
Requirements ([1553] =
"Condominium"
OR [1553] =
"PUD") or [2996]
=
"Condominium"
PUD Input Approval UW
Construction Yes, Apply this Construction Approval UW

Loan rule only if: Loan Appraisal Review
Milestone Purpose is
Requirements Construction
Final CAT Approval UW
FHA Yes, Apply this Complete Submittal LP

Condo/PUD rule only if: Condo/PUD Lookup
Loan [1401].Contains(
Requirements "FHA") and
([1553] =
"Condominium"
OR [1553] =
"PUD") or [2996]
=
"Condominium"
Condo Input Approval UW
PUD Input Approval UW
FHA EEM Yes, Apply this Establish EEM Escrow Send to LO
Loan rule only if: Account Processing

ID Description
Requirements [2997] = "Y" and
[1401].Contains(
"FHA")
FHA Yes, Apply this FHA Authorization Approval UW
Refinance rule only if:
Loan [1401].Contains(
Requirements "FHA") and ([19]
= "NoCash-Out
Refinance" OR
[19] = "Cash-Out
Refinance")
GFE sent No, always apply 3144 Initial Send to
prior to this rule Disclosure Processing
completing Provided
Send to Date
Processing
Final CAT Approval UW
Loans Yes, Apply this MI Approval Approval UW
Requiring MI rule only if:
[353] > "80.00"
MI Quote Credit UW
Approval
MI Input Approval UW
RD Milestone Yes, Apply this RD Approval Approval UW
Requirements rule only if:
[1401].Contains(
"RD")
RD Documents Credit UW
Approval
RD Final GUS Approval UW
RD Income Credit UW
Worksheet Approval
Complete Send to LO
Guaranteed Rural Processing
Housing Loan
Submission Checklist
VA Milestone Yes, Apply this Issue NOV Approval UW
Requirements rule only if: Loan
Type is VA
Final Loan Analysis Approval UW

FIELD DATA ENTRY
The Field Data Entry tool is used to define and manage rules that control the values entered into the
fields on input forms. This tool allows you to specify a condition for applying the rule, required
values for the field, and pre-required fields that must be completed first.
For example, you can create a field data entry rule based on a specified loan program (e.g., FHA
program). For an FHA loan program, you can specify that the value for the borrower's credit score
should fall within a specified range (620 and above); whereas another loan program could have a
range of 660 and above.
Note: You can also create rules that define the fields that must be completed before a form button
is activated. For example, you can specify the fields required prior to requesting a lock.
FIELD DATA ENTRY RULES

Pre-
Condition for Descr- Rule Field Rqrd Pre-Rqrd Fields
Name Rule iption Type Rules ID Fields Descriptions
General No – Always Button Range BUTTON_ 11 Subject Property Street
Field Rule apply this rule REQUESTL
OCK
12 Subject Property City
14 Subject Property State
15 Subject Property Zip
2853 Lock Request Credit

Score for Decision
Making
2866 Lock Request Loan
Program
2867 Lock Request Doc Type

Pre-
2947 Lock Request Subject
Property Type

Property Occupancy
Status
Purpose
Type
2958 Lock Request Lien
Position
2959 Lock Request Term
Months
2961 Lock Request
Impounds Waived
2963 Lock Request Prepay
Penalty
Amnt Excluding
MIP/PMI
353 Trans Details Loan To
Value (LTV)
976 Trans Details Comb
Loan to Value (CLTV)
Borrower No – Always Button Range BUTTON_ CX.AUTH Authorization to pull
Authoriza apply this rule ORDERCR TOPULL credit
tion EDIT CREDIT
Acknowle
dgement

Pre-
Refinance Yes, Apply this Button Range BUTTON_ 16 Subject Property #
- Required rule only if GETPRICI Units
fields Advanced NG
prior to Conditions is:
"Get ([19] = "NoCash-
Pricing" Out Refinance"
OR [19] = "Cash-
Out Refinance")
1811 Subject Property
Occupancy Status
19 Trans Details Loan

Purpose
Property Appraised
Value
Purchase - Yes, Apply this Button Range BUTTON_ 16 Subject Property #
Required rule only if: GETPRICI Units
fields Loan Purpose is NG
prior to Purchase
"Get
Pricing"
1811 Subject Property

Occupancy Status
19 Trans Details Loan

Purpose

Pre-
Property Appraised
Value
3038 Lock Request Purchase
Price Amount
Appraisal Yes, Apply this Button Range BUTTON_ CX.APPR Expiration Date of
Payment rule only if ORDERAP AISALCA credit card for
Submit Advanced PRAISAL RDEXPI appraisal payment
Button - Conditions is: RATION
Credit [CX.APPRAISAL
Card info PMTUMPQUA] =
""
CX.APPR Name on credit card

AISALCA authorizing payment
RDNAM for appraisal
E
CX.APPR Credit card number for
AISALCA appraisal payment
RDNUM
BER
CX.APPR Credit type for
AISALCA appraisal payment
RDTYPE
CX.APPR Appraisal Type
AISALTY
PE
REQUES Request Appraisal
T.X29 Access Information
Contact Name
Contact Home Phone

Contact Email

Pre-
Appraisal Yes, Apply this Button Range BUTTON_ CX.APPR Umpqua account
Payment rule only if ORDERAP AISALP number for appraisal
Submit Advanced PRAISAL MTUMP payment
Button - Conditions is: QUA
Umpqua [CX.APPRAISAL
Acct CARDEXPIRATI
ON] = "" and
[CX.APPRAISAL
CARDNAME] =
"" and
[CX.APPRAISAL
CARDNUMBER]
= "" and
[CX.APPRAISAL
CARDTYPE] = ""
CX.APPR Appraisal Type
AISALTY
PE
Contact Name
Contact Home Phone

Contact Email
Loan not Yes, Apply this Button Range BUTTON_ 761 Trans Details Lock
locked rule only if REGZ- Date
can't Advanced TILORDER
order Conditions is: DOCS
closing IsEmpty([761])
docs

FIELD TRIGGERS
The Input Form List is used to define the input forms made available for a loan when a specified
condition is met. For example, rules can be created for an input form based on the type of loan (e.g.,
FHA). In the case of an FHA loan, only forms required for processing an FHA loan would be made
available.
ACTIVE TRIGGER RULES

Name Condition for Type Activation Activation Source Action
Trigger
2010 GFE No - Always Field Any change in 682 (Trans Details Execute
First Pmt apply this rule field value First Pymt Date) advanced
Date/Estimat code
ed Close Date
If [682] < = [763] then
MsgBox ("First Payment Date cannot be before the
Estimated Close Date")
[682] = ""
End if
No - Always Field Any change in 682 (Trans Details Execute
apply this rule field value First Payment advanced
Date code
If [682] < = [763] then
MsgBox ("First Payment Date cannot be before the
Estimated Close Date")
[682] = ""
End if
2010 GFE No - Always Field Any change in 763 (Trans Details Execute
First Pmt apply this rule field value Est Closing Date) advanced
Date/Estimat code
ed Close Date
If [763] < = Today then
MsgBox ("Estimated Close Date must be after
today's date")
[763] = ""
End if
4506-T Auto No - Always Field Any change in 36 (Borr First Copy to:
Population apply this rule field value Name) IRS4506.X2,
IRS4506.X39
4506-T Auto No - Always Field Any change in 37 (Borr Last Copy to:
Population apply this rule field value Name) IRS4506.X3,
IRS4506.X40
4506-T Auto No - Always Field Any change in 68 (Co-Borr First Copy to:
Population apply this rule field value Name) IRS4506.X6

Trigger
4506-T Auto No - Always Field Any change in 69 (C-oBorr Last Copy to:
Population apply this rule field value Name) IRS4506.X7
4506-T Auto No - Always Field Any change in 65 (Borr SSN) Copy to:
Population apply this rule field value IRS4506.X4
4506-T Auto No - Always Field Any change in 97 (Co-Borr SSN) Copy to:
Population apply this rule field value IRS4506.X5
4506-T Auto No - Always Field Any change in 1416 (Borr Copy to:
Population apply this rule field value Mailing Addr) IRS4506.X35
Population apply this rule field value Mailing City) IRS4506.X36
Population apply this rule field value Mailing State) IRS4506.X37
Population apply this rule field value Mailing Zip) IRS4506.X38
Add Discl Info No - Always Field When field is 608 (Trans Details Assign to:
Form apply this rule set to a Amort Type) NOTICES.X19
Consumer specific value
Handbook
ARM
No - Always Field When field is 608 (Trans Details Assign to:
apply this rule set to a Amort Type) NOTICES.X19
specific value
Add Discl Info No - Always Field When field is 541 (Property Assign to:
Form Flood apply this rule set to an item Info Flood Zone) NOTICES.X17
Ins from a list of
Notification values
No - Always Field When field is 541 (Property Assign to:
apply this rule set to an item Info Flood Zone) NOTICES.X17
from a list of
values
Add Discl Info No - Always Field When field is 1811 (Subject Execute
Form Occ apply this rule set to a Property advanced
Statement specific value Occupancy Status) code
IgnoreValidationErrors
[Notices.X1] = "Y"
No - Always Field When field is 1811 (Subject Execute
apply this rule set to an item Property advanced
from a list of Occupancy Status) code
values
[Notices.X1] = "Y"

Trigger
Adverse No - Always Field When field is 1393 (Trans Assign to:
Checklist apply this rule set to an item Details Current 1397
Type of from a list of Loan Status)
Purchaser values
No - Always Field When field is 1393 (Trans Assign to:
apply this rule set to an item Details Current 1397
from a list of Loan Status)
values
Application No - Always Field Any change in 3142 (GFE Execute
Date apply this rule field value Application Date) advanced
Population code
If [745] is "" and IsEmpty([Log.MS.Date.Processing])
then
[745] = [3142]
End if
Application No - Always Milestone Milestone Processing Execute
Date apply this rule completed advanced
Population code
If [745] = "" and [3142] ="" then
[745] = Today
End if
ARM Index No - Always Field When field is 1401 (Trans Execute
Population apply this rule set to a Details Loan advanced
specific value Program) code
[1959] = "WSJ Prime"
ARM Index No - Always Field When field is 608 (Trans Details Execute
Population apply this rule set to a Amort Type) advanced
specific value code
if IsEmpty([3137]) and [1959].Contains("LIBOR")
then
[688] = .896
else if IsEmpty([3137]) and [1959].Contains("UST
CM") then
[688] = .11
else if IsEmpty([3137]) and [1959].Contains("WSJ")
then
[688] = 3.25
End If

Trigger
ARM Index No - Always Field Any change in 1959 (Loan Info Execute
Population apply this rule field value ARM Disclosure advanced
Type) code
if IsEmpty([3137]) and [1959].Contains("LIBOR")
then
[688] = .910
else if IsEmpty([3137]) and [1959].Contains("UST
CM") then
[688] = .11
else if IsEmpty([3137]) and [1959].Contains("WSJ")
then
[688] = 3.25
End If
ARM Index No - Always Milestone Milestone Submit to Close Execute
Population apply this rule completed advanced
code
if [1959].Contains("LIBOR") then
[688] = .910
else if [1959].Contains("UST CM") then
[688] = .11
else if [1959].Contains("WSJ") then
[688] = 3.25
End If
Bona Fide No - Always Field When field is NEWHUD.X715 Assign to:
Checkbox apply this rule set to a (Borr Receives NEWHUD.X10
specific value Credit/Pays Fee) 67
No - Always Field When field is NEWHUD.X715 Assign to:
apply this rule set to a (Borr Receives NEWHUD.X10
No - Always Field When field is NEWHUD.X715 Assign to:
apply this rule set to a (Borr Receives NEWHUD.X10
Borrower No - Always Field When field is 1041 (Subject Assign to:
Origination apply this rule set to a Property Type 2996
Summary specific value Fannie Mae)
Property Type
No - Always Field When field is 1041 (Subject Assign to:
apply this rule set to a Property Type 2996
specific value Fannie Mae)
Cannot Yes – Apply Milestone Milestone Submit to Close Execute
Complete this rule only completed advanced

Trigger
Submit to if: code
Close if Side [MS.STATUS]
by Side is not = "Approved"
the same
if [cx.sd.change] <> "No" then
msgbox("Please contact Secondary Department as
there are some differences in Lock Info versus Loan
Info")
Milestones.SetComplete("Submit to Close", False)
End If
Clear No - Always Field When field is 2626 (Loan Info Execute
Application apply this rule set to a Channel) advanced
Date specific value code
[745] = ""
No - Always Field When field is 2626 (Loan Info Execute
apply this rule set to a Channel) advanced
specific value code
[745] = ""
Clear No - Always Field Any change in 364 (Trans Details Execute
Application apply this rule field value Loan #) advanced
Date code
[745] = ""
Closing Doc No - Always Field Any change in 13 (Subject Copy to: 1949
Triggers apply this rule field value Property County)
Closing Reg Z No - Always Field Any change in NEWHUD.X214 Copy to: 1707
- Filing Fee apply this rule field value (Fees Line 1201
Applied to GFE)
Copy DU/LP No - Always Field Any change in MORNET.X4 Copy to:
Case ID's to apply this rule field value (Fannie Mae DU.LP.ID
1008 MORNETPlus
Case File ID #)
Copy DU/LP No - Always Field Any change in CASASRN.X13 Copy to:
Case ID's to apply this rule field value (Freddie Mac LP DU.LP.ID
1008 Key #)
Email No - Always Milestone Milestone Resubmit Send: 1
Secondary apply this rule completed email(s)
when Lock
and Loan Data
Differ

Trigger
Email No - Always Milestone Milestone Approval Send: 1
Secondary apply this rule completed email(s)
when Lock
and Loan Data
Differ
Escrow No - Always Field When field is 1550 Assign to:
Waiver apply this rule set to a (Underwriting DISCLOSURE.
specific value Escrow) X339
No - Always Field When field is 1550 Assign to:
apply this rule set to a (Underwriting DISCLOSURE.
specific value Escrow) X339
Exception No - Always Field Any change in CX.ER.SUBMIT.DA Send: 1
Request apply this rule field value TE (Exception email(s)
Emails Request
Submission)
Exception No - Always Field Any change in CX.ER.DISPOSITIO Send: 1
Request apply this rule field value N.DATE email(s)
Emails (Disposition Date)
FHA Investor Yes – Apply Field Any change in 364 (Trans Details Copy to: 352
Loan Number this rule only field value Loan #)
if: Loan Type
is FHA
FHA Lender Yes – Apply Field Any change in 1172 (Trans Execute
Identifier this rule only field value Details Loan advanced
if: Advanced Type) code
Conditions is
[1172] =
"FHA"
[1059] = "4025409994"
First Time No - Always Field When field is 403 (Borr Assign to: 934
Home Buyer apply this rule set to a Declarations M)
Field specific value
First Time No - Always Field When field is 1108 (Co-Borr Assign to: 934
Home Buyer apply this rule set to a Declarations M)
Field specific value
No - Always Field When field is 403 (Borr Assign to: 934
apply this rule set to a Declarations M)
specific value
No - Always Field When field is 1108 (Co-Borr Assign to: 934
apply this rule set to a Declarations M)
specific value

Trigger
Funding No - Always Milestone Milestone Funding Send: 1
Milestone apply this rule completed email(s)
Email
Notification
General Field No - Always Field Any change in 1040 (Trans Complete
Triggers apply this rule field value Details Agency tasks: Obtain
Case #) FHA Case #
General Field No - Always Field Any change in 3060 (FHA Complete
Triggers apply this rule field value Management tasks: Validate
Address Subject
Validation Date) Property
Address
Triggers apply this rule field value Management tasks: Obtain
Obtain CAIVRS CAIVRS
Date) Number
Triggers apply this rule field value Management tasks:
LDP/GSA Search Conduct
Date) LDP/GSA
Search
Total Scorecard Complete FHA
Date) Total
Scorecard
Triggers apply this rule field value Management tasks: Log
Appraisal Logged Appraisal
Date)
Triggers apply this rule field value Management tasks: Remit
UFMIP Remitted UFMIP
Date)
Triggers apply this rule field value Management MI tasks: Submit
Applied Date) MI
Application
Triggers apply this rule field value Management Case tasks: Send
Binder Shipped FHA Case
Date) Binder to HOC

Trigger
Triggers apply this rule field value Management Refi tasks: Obtain
Authorization Refi
Date) Authorization
Condo Pud Complete
Lookup Date) Condo/PUD
Lookup
General Field No - Always Field Any change in MS.FUN (Tracking Copy to: 748,
Triggers apply this rule field value - Funded 749
Milestone Date)
General Field No - Always Field Any change in CX.UW.NAME Copy to: 2984
Triggers apply this rule field value (Underwriter
Name)
General Field No - Always Field When field is 1172 (Trans Assign to:
Triggers apply this rule set to a Details Loan CX.RD.FEE.FI
specific value Type) NANCED
General Field No - Always Milestone Milestone Qualified Execute
Triggers apply this rule completed advanced
code
[1969] = "Y"
General Field No - Always Milestone Milestone Funding Execute
Triggers apply this rule completed advanced
code
[748] = [ms.fun]
[1393] = "Loan Originated"
GFE Date Auto Yes – Apply Field Any change in CX.TODAYS.DATE Execute
Populate this rule only field value (Todays Current advanced
Today's if: Date) code
Current Date [CX.RULE.OVE
RRIDE.GFETIL
] <> "X"
[3170] = [cx.todays.date]
HMDA Auto No - Always Field When field is 19 (Trans Details Assign to: 384
Update apply this rule set to an item Loan Purpose)
from a list of
values
No - Always Field When field is 19 Trans Details Assign to: 384
apply this rule set to an item Loan Purpose

Trigger
from a list of
values
HMDA Auto No - Always Field When field is 299 (Loan Info Assign to: 384
Update apply this rule set to a Refi Purpose)
specific value
HMDA Auto No - Always Field Any change in S32DISC.X49 (Sec Execute
Update apply this rule field value 32 Points/Fees advanced
Test Results) code
if [S32DISC.X49] = "does" then
[hmda.x13] = "HOEPA Loan"
Else if [S32DISC.X49] = "does not" then
[hmda.x13] = "Not a HOEPA Loan"
End If
HMDA Auto No - Always Field Any change in 1041 (Subject Execute
Update apply this rule field value Property Type advanced
Fannie Mae) code
if [1041] = "Attached" then
[hmda.x11] = "One-to-fourFamily"
[1553] = "1 Unit"
Else if [1041] = "Condominium" then
[1553] = "Condominium"
Else if [1041] = "Cooperative" then
msgbox("Cooperative is not an allowed selection for
our institution")
[1041] = ""
Else if [1041] = "Detached" then
[1553] = "1 Unit"
Else if [1041] = "HighRiseCondominium" then
Else if [1041] = "ManufacturedHousing" then
[hmda.x11] = "ManufacturedHousing"
[1553] = "Manufactured Housing Multiwide"
Else if [1041] = "PUD" then
[1553] = "PUD"
Else if [1041] = "DetachedCondo" then

Trigger
Else if [1041] =
"ManufacturedHomeCondoPUDCoOp" then
[hmda.x11] = "ManufacturedHousing"
Else if [1041] = "MHSelect" then
msgbox("MH Select is not an allowed selection for
our institution")
[1041] = ""
End If
HMDA Auto No - Always Field Any change in 1393 (Trans Execute
Update apply this rule field value Details Current advanced
Loan Status) code
if [1393] = "Application approved but not accepted"
and [11] = "TBD" and [hmda.x12] = "Preapproval
was requested" then
msgbox("Application approved but not accepted is
not an accepted response for a TBD and is being
changed to Preapproval request approved but not
accepted")
[1393] = "Preapproval request approved but not
accepted"
Else if [1393] = "Application denied" and [11] =
"TBD" and [hmda.x12] = "Preapproval was
requested" then
msgbox("Application denied is not an accepted
response for a TBD and is being changed to
Preapproval request denied by financial
institution")
[1393] = "Preapproval request denied by financial
institution"
End If
HMDA Auto No - Always Milestone Milestone Processing Execute
Update apply this rule completed advanced
code
if [11] <> "TBD" and [19] = "Purchase" then
[hmda.x12] = "Preapproval was not requested"
Else if [11] = "TBD" and [19] = "Purchase" then
[hmda.x12] = "Preapproval was requested"
Else if [19] <> "Purchase" then
[hmda.x12] = "Not Applicable"
End If

Trigger
Lock Data Info No - Always Rate Lock Rate lock Execute
Copy apply this rule confirmed advanced
code
[CX.SD.LOANPROGRAM.NAME] = [1401]
[CX.SD.RATE] = [3]
[CX.SD.IMPOUNDS] = [1550]
[CX.SD.LTV] = [353]
[CX.SD.CLTV] = [976]
[CX.SD.SCORE] = [vasumm.x23]
[CX.SD.LOAN.PURPOSE] = [19]
[CX.SD.LOANAMOUNT] = [2]
[CX.SD.PROP.TYPE] = [1041]
[CX.SD.APPRAISED.VALUE] = [356]
[CX.SD.OCCUPANCY] = [1811]
[CX.SD.TERM] = [4]
[CX.SD.SUB.AMOUNT] = [428]
[CX.SD.PROP.ADDRESS] = [11]
[CX.SD.CITY] = [12]
[CX.SD.ZIP] = [15]
Lock Request No – Always Field Any change in 16 (Subject Assign to:
# of Units apply this rule field value Property # Units) LR.16
Middle Score No - Always Field Any change in CX.MID.FICO.SCO Execute
Auto apply this rule field value RE (Lower of advanced
Population Middle Score code
Borrower/CoBorr
ower)
[vasumm.x23] = [cx.MID.FICO.SCORE]
Middle Score No - Always Field Any change in CX.MID.FICO.SCO Execute
Auto apply this rule field value RE (Lower of advanced
Population Middle Score code
Borrower/CoBorr
ower)
[vasumm.x23] = [cx.MID.FICO.SCORE]
No Co- Yes – Apply Field When field is 1393 (Trans Execute
Applicant this rule only set to an item Details Current advanced
Checkbox if: [97] = "" from a list of Loan Status) code
values
[3174] = "Y"

Trigger
Payout value - No - Always Field Any change in 2273 (Rate Lock Copy to: 2596
Purchase apply this rule field value Sell Side Base
Advice form Price Total
Adjust)
Pricing No – Always Field When field is CX.PRICINGEXCEP Send: 1
Exception apply this rule set to a APPEMAIL2 email(s)
Approval specific value (Unknown field)
Email
Exception apply this rule set to a APPEMAIL1 email(s)
Approval specific value (Pricing Exception
Email Approval 1)
Exception apply this rule set to a SUBMIT2 email(s)
Request Email specific value (Unknown field)
Exception apply this rule set to a SUBMIT1 (Pricing email(s)
Request Email specific value Exception Submit
Check Box 1)
Rate Lock No – Always Rate Lock Rate lock Send: 1
Confirmed apply this rule confirmed email(s)
Rate Lock No - Always Rate Lock Rate lock Send: 1
Denial apply this rule denied email(s)
Reg B Alert No - Always Field Any change in CX.LASTCREDITR Execute
for Credit apply this rule field value CVDDATE (Last advanced
Report credit report code
received date)
if IsEmpty([CX.INITIALCREDITRCVDDATE]) then
[CX.INITIALCREDITRCVDDATE] =
[cx.LASTCREDITRCVDDATE]
End If
Reg Z - Flood No - Always Field When field is 643 (Fees Flood Execute
& PMI CB apply this rule set to a Ins Premium advanced
specific value Borr) code
[676] = "N"
Reg Z - Flood No – Always Field Any change in 232 (Expenses Execute
& PMI CB apply this rule field value Proposed Mtg Ins) advanced
code
[8] = "Y"

Trigger
No - Always Field When field is 643 (Fees Flood Execute
apply this rule set to a Ins Premium advanced
specific value Borr) code
[676] = "N"
No – Always Field Any change in 232 (Expenses Execute
apply this rule field value Proposed Mtg Ins) advanced
code
[8] = "Y"
Right to No - Always Milestone Milestone Qualified Execute
Financial apply this rule completed advanced
Privacy code
[Notices.X9] = "Y"
Setting REGZ No - Always Field Any change in 3148 (GFE Initial Execute
to Initial apply this rule field value GFE Disclosure advanced
Disclosure Provided Date code
[662] = "Initial"
SSN [4004] <> "" Field Any change in 4004 (Co- Execute
Verification and [4006] <> field value Borrower First advanced
Co-Borrower "" Name) code
Purpose of
Transaction
[3251] = [3249]
SSN No - Always Field When field is 4406 (Co- Execute
Verification apply this rule set to a Borrower Last advanced
Co-Borrower specific value Name) code
Purpose of
Transaction
undo
[3251] = ""
Treasury No - Always Field Any change in CX.SECTION32.YI Execute
Yield as of apply this rule field value ELD.TERM advanced
August - Apps (Section 32 Yield code
taken in Term)
September
' August Yield

Trigger
Dim Yield as Decimal
If [CX.SECTION32.YIELD.MONTH] = "August" then
if [CX.SECTION32.YIELD.TERM] = "1-month" then
Yield = 0.00
Else if [CX.SECTION32.YIELD.TERM] = "3-month"
then
Yield = 0.02
then
Yield = 0.08
Else if [CX.SECTION32.YIELD.TERM] = "1-year" then
Yield = 0.12
Yield = 0.19
Yield = 0.34
Yield = 0.99
Yield = 1.60
Else if [CX.SECTION32.YIELD.TERM] = "10-year"
then
Yield = 2.29
then
Yield = 2.29
then
Yield = 3.29
then
Yield = 3.75
then
Yield = 3.75
End If
End If
[S32DISC.X1] = Yield
Treasury No – Always Field When field is CX.SECTION32.YI Execute
Yield as of apply this rule set to an item ELD.MONTH advanced
August - Apps from a list of (Section 32 Yield code
taken in values Month)
September

Trigger
' August Yield
Yield = 0.00
then
Yield = 0.02
then
Yield = 0.08
Yield = 0.12
Yield = 0.19
Yield = 0.34
Yield = 0.99
Yield = 1.60
then
Yield = 2.29
then
Yield = 2.29
then
Yield = 3.29
then
Yield = 3.75
then
Yield = 0.00
End If
Yield as of July apply this rule field value ELD.TERM advanced
- Apps taken (Section 32 Yield code
in August Term)
' July Yield

Trigger
If [CX.SECTION32.YIELD.MONTH] = "July" then
Yield = 0.01
then
Yield = 0.01
then
Yield = 0.05
Yield = 0.15
Yield = 0.38
Yield = 0.66
Yield = 1.51
Yield = 2.24
then
Yield = 2.98
then
Yield = 2.98
then
Yield = 3.92
then
Yield = 4.25
then
Yield = 4.25
End If
End If
Treasury No – Always Field Any change in CX.SECTION32.YI Execute
Yield as of July apply this rule field value ELD.MONTH advanced
- Apps taken (Section 32 Yield code
in August Month)
' July Yield

Trigger
Yield = 0.01
then
Yield = 0.01
then
Yield = 0.05
Yield = 0.15
Yield = 0.38
Yield = 0.66
Yield = 1.51
Yield = 2.24
then
Yield = 2.98
then
Yield = 2.98
then
Yield = 3.92
then
Yield = 4.25
then
Yield = 4.25
End If
June - Apps (Section 32 Yield code
taken in July Term)
' June Yield
If [CX.SECTION32.YIELD.MONTH] = "June" then

Trigger
Yield = 0.02
then
Yield = 0.05
then
Yield = 0.11
Yield = 0.18
Yield = 0.40
Yield = 0.72
Yield = 1.59
Yield = 2.30
then
Yield = 3.00
then
Yield = 3.00
then
Yield = 3.89
then
Yield = 4.20
then
Yield = 4.20
End If
End If
[S32DISC.X1] = Yield IgnoreValidationErrors
' June Yield
If [CX.SECTION32.YIELD.MONTH] = "June" then
Yield = 0.02
then
Yield = 0.05

Trigger
then
Yield = 0.11
Yield = 0.18
Yield = 0.40
Yield = 0.72
Yield = 1.59
Yield = 2.30
then
Yield = 3.00
then
Yield = 3.00
then
Yield = 3.89
then
Yield = 4.20
then
Yield = 4.20
End If
End If
Yield as of apply this rule set to a ELD.MONTH advanced
June - Apps specific value (Section 32 Yield code
taken in July Month)
' June Yield
Yield = 0.02
then
Yield = 0.05

Trigger
then
Yield = 0.11
Yield = 0.18
Yield = 0.40
Yield = 0.72
Yield = 1.59
Yield = 2.30
then
Yield = 3.00
then
Yield = 3.00
then
Yield = 3.89
then
Yield = 4.20
then
Yield = 4.20
End If
October - (Section 32 Yield code
Apps taken in Term)
November
' October Yield
If [CX.SECTION32.YIELD.MONTH] = "October" then
Yield = 0.02
then
Yield = 0.02

Trigger
then
Yield = 0.06
Yield = 0.11
Yield = 0.28
Yield = 0.50
Yield = 1.12
Yield = 1.71
then
Yield = 2.26
then
Yield = 2.26
then
Yield = 2.97
then
Yield = 3.22
then
Yield = 3.22
End If
End If
Yield as of apply this rule field value ELD.MONTH advanced
October - (Section 32 Yield code
Apps taken in Month)
November
' October Yield
Yield = 0.02
then
Yield = 0.02

Trigger
then
Yield = 0.06
Yield = 0.11
Yield = 0.28
Yield = 0.50
Yield = 1.12
Yield = 1.71
then
Yield = 2.26
then
Yield = 2.26
then
Yield = 2.97
then
Yield = 3.22
then
Yield = 3.22
End If
Yield as of apply this rule set to a ELD.TERM advanced
September - specific value (Section 32 Yield code
Apps taken in Term)
October
' September Yield
Yield = 0.00
then
Yield = 0.01
then

Trigger
Yield = 0.03
Yield = 0.10
Yield = 0.21
Yield = 0.35
Yield = 0.95
Yield = 1.51
then
Yield = 2.09
then
Yield = 2.09
then
Yield = 2.97
then
Yield = 3.36
then
Yield = 3.36
End If
Yield as of apply this rule field value ELD.MONTH advanced
September - (Section 32 Yield code
Apps taken in Month)
October
' September Yield
If [CX.SECTION32.YIELD.MONTH] = "September"
then
Yield = 0.00
then
Yield = 0.01

Trigger
then
Yield = 0.03
Yield = 0.10
Yield = 0.21
Yield = 0.35
Yield = 0.95
Yield = 1.51
then
Yield = 2.09
then
Yield = 2.09
then
Yield = 2.97
then
Yield = 3.36
then
Yield = 3.36
End If
End If
VA Lender Yes – Apply Field Any change in 1172 (Trans Execute
Identifier this rule only field value Details Loan advanced
if: [1172] = Type) code
"VA"
[1059] = "9619144101"

INACTIVE TRIGGER RULES
Name Condition for Rule Type Activation Activation Action
Source
6 Data No-Always apply this Field Any change in 3142 (GFE Copy to:
Elements rule field value Applicatio 745,
Application n Date) 3292
Date
Clear SSN at file ([19] = "NoCash-Out Milestone Milestone Started Assign
started Refinance" OR [19] = completed to: 65
"Cash-Out Refinance"
OR [19] = "Other")
GFE Input Form No - Always apply this Field When field is 1550 Assign
- Impounds rule set to a specific (Underwrit to: 2961
field value ing
Escrow)
Loan Credit [REGZGFE.X8] <> "" and Milestone Milestone Approval Send: 1
Approval Email Not IsEmpty([2304]) completed email(s)
to LO and Not
IsEmpty([2300]) and
IsEmpty([2302])
Loan [REGZGFE.X8] <> "" and Milestone Milestone Approval Send: 1
Suspended Not IsEmpty([2303]) completed email(s)
Email to LO
Loan Denied [REGZGFE.X8] <> "" and Milestone Milestone Approval Send: 1
Email to LO [1393] = "Application completed email(s)
denied"
Loan Approval [REGZGFE.X8] <> "" and Milestone Milestone Approval Send: 1
Different Terms Not IsEmpty([2989]) completed email(s)
Email to LO and Not
IsEmpty([2990]) and
Not IsEmpty([2304])
Loan Approval [REGZGFE.X8] <> "" and Milestone Milestone Approval Send: 1
Email to LO Not IsEmpty([2304]) completed email(s)
and IsEmpty([2300])
and Not
IsEmpty([2301])
Autocalc of Field Any change in CX.GFE.EN Execute
Endorsements field value DORSEME advance
N.TOTAL d code
(Total # of
Endorsem
ents)
Origination No - Always Field When field NEWHUD.X713 Execute advanced
Checkboxes apply this is set to a (Include code
rule specific Points/Credit

Source
value in Orig Chrg)
Pricing Autofill Rate Lock Rate lock Execute

from Secondary confirmed advance
to GFE (Do not d code
turn on)
Prepayment Field Any change in 675 (Trans Execute
Penalty field value Details advance
Prepymt - d code
May/Will
Not
Penalty)
Refinance ([19] = "NoCash-Out Field Any change in 356 Execute
Estimated & Refinance" OR [19] = field value (Subject advance
Appraised "Cash-Out Refinance") Property d code
Value Appraised
Value)
RD Rule for RD No - Always apply this Field Any change in 1172 Execute
Fee Calculation rule field value (Trans advance
Details d code
Loan
Type)
Treasury Yield Field Any change in CX.SECTIO Execute
as of November field value N32.YIELD advance
- Apps taken in .TERM d code
December (Section 32
Yield
Term)
as of December field value N32.YIELD advance
- Apps taken in .TERM d code
January (Section 32
Yield
Term)
as of January - field value N32.YIELD advance
Apps taken in .TERM d code
February (Section 32
Yield
Term)
Treasury Yield Field When field is CX.SECTIO Execute
as of January - set to a specific N32.YIELD advance
Apps taken in value .MONTH d code

Source
February (Section 32
Yield
Month
as of February - field value N32.YIELD advance
March (Section 32
Yield
Term)
as of March - field value N32.YIELD advance
April (Section 32
Yield
Term)
as of April - field value N32.YIELD advance
May (Section 32
Yield
Term)
Treasury Yield Field When field is CX.SECTIO Execute
as of May - set to a specific N32.YIELD advance
Apps taken in value .MONTH d code
June (Section 32
Yield
Month

ROLE ACCESS TO DOCUMENTS
The Role Access to Documents tool is used to control access to loan documents in the eFolder. You
can setup the default access by role, and specify which roles have protected access to documents.
When access to a document is protected for a specific role, access cannot be revoked for the role,
and the document cannot be deleted by a team member assigned to that role. However, default
settings can be overridden using the access button in the eFolder.
DOCUMENT ADDED / ROLE ACCESS TO DOCUMENT

Document Added by Persona Role Access to Document
Loan Officer All Roles, except Recycle Bin
Loan Processor All Roles, except Recycle Bin
Doc Drawer All Roles, except Recycle Bin
Funder All Roles, except Recycle Bin
Post Closer All Roles, except Recycle Bin
Lock Desk All Roles, except Recycle Bin
Shipper All Roles, except Recycle Bin
Servicer All Roles, except Recycle Bin
Quality Control All Roles, except Recycle Bin
Accounting All Roles, except Recycle Bin
LO/LO Assistant All Roles, except Recycle Bin
UW/Validator All Roles, except Recycle Bin
Recycle Bin Shipper, M3-XM,OM,ASTM,SC,QC
M3-XM,OM,ASTM,SC,QC All Roles, except Recycle Bin
Helper Processor All Roles, except Recycle Bin
Helper Validator All Roles, except Recycle Bin
Helper Doc Drawer All Roles, except Recycle Bin

Document Added by Persona Role Access to Document
Helper Servicer All Roles, except Recycle Bin
Helper Funder All Roles, except Recycle Bin
Helper Loan Officer All Roles, except Recycle Bin
Helper COQ All Roles, except Recycle Bin
Helper LO Assistant All Roles, except Recycle Bin
Helper Inv. Delivery All Roles, except Recycle Bin
Helper Underwriter All Roles, except Recycle Bin
UW/LV 2 All Roles, except Recycle Bin
Auditor All Roles, except Recycle Bin
Others All Roles, except Recycle Bin
INPUT FORM LIST

The Input Form List is used to define the input forms made available for a loan when a specified
condition is met. For example, rules can be created for an input form based on the type of loan, such
as FHA. In this case, only forms required for processing an FHA loan would be made available to UB
associates.
INPUT FORM RULES

Active Form Rules
Accounting Selected on Shipping Milestone Worksheet
Condition for rule:

o Current Role: AC
o Assigned at completion of: Ship to Inv
Form List:
o 1098 Mortgage Interest
o Borrower Information - Vesting2
o Closing Conditions
o Closing RegZ
o HMDA Information

o HUD-1 Page 1
o HUD-1 Page 2
o Property Information
o Self-Employed Income 1084
o Statement of Denial
o VOD
o VOE
o VOL
o VOM
o VOR

Closer Selected on Doc Preparation Milestone Worksheet
Condition for rule:

o Current Role: DD
o Assigned at completion of: Docs Out (Archived) – DH: Should be changed to Doc
Signing
Form List:
o Borrower Information - Vesting
o Closing RegZ
o Closing Vendor Information
o HMDA Information
o HUD-1 Page 1
o HUD-1 Page 2
o VOD
o VOE
o VOL
o VOM
o VOR
FHA Loan Type
Condition for rule:

o Apply this rule only if: Loan Type is FHA
Form List:
o 203k Max Mortgage WS
o Additional Requests Information
o Energy Efficient Mortgage Calculation
o FHA Management
o FHA Maximum Mortgage and Cash Needed Worksheet
o HUD 1003 Addendum
o HUD-56001 Property Improvement
o HUD-928005b Conditional Commitment
o HUD-92900LT FHA Loan Transmittal
o VA 26-1805 Reasonable Value

Funder Selected on Doc Signing Milestone Worksheet
Condition for rule:

o Current Role: Funder
o Assigned at completion of: Doc Signing
Form List:
o Closing RegZ
o HMDA Information
o HUD-1 Page 1
o HUD-1 Page 2
o VOD
o VOE
o VOL
o VOM
o VOR
HELOC Loan Type
Condition for rule:

o Loan Type is HELOC
Form List:
o Aggregate Escrow Account
o FACT Act Disclosure
o Loan Submission
o Request for Copy of Tax Return
o Request for Transcript of Tax
o RESPA Servicing Disclosure
o Section 32 TIL
o Transmittal Summary

Loan Officer Selected on File Started Milestone Worksheet
Condition for rule:

o Current Role: Loan Officer
o Assigned at completion of: Started
Form List:
o Borrower Summary – Origination
o 1003 Page 1
o 1003 Page 2
o 1003 Page 3
o 1003 Page 4
o 2010 Itemization
o 2010 GFE
o Additional Disclosure Information
o GFE Quality Input Form
o Loan Submission
o Notice of Incomplete Application
o Reasonable Tangible Benefit Form
o REGZ-TIL
o Settlement Service Provider List
Loan Opener Selected on Qualification Milestone Worksheet
Condition for rule:

o Current Role: LO/LO Assistant
o Assigned at completion of: Qualified
Form List:
o Borrower Summary – Origination
o 1003 Page 1
o 1003 Page 2
o 1003 Page 3
o 1003 Page 4
o 2010 Itemization
o 2010 GFE

o Loan Submission
o Reasonable Tangible Benefit Form
o REGZ-TIL
Loan Processor Selected on Approval Milestone Worksheet
Condition for rule:

o Current Role: Loan Processor (LP)
o Assigned at completion of: Approval
Form List:
o HMDA Information
o REGZ-TIL
o VOD
o VOE
o VOL
o VOM
o VOR
Loan Processor Selected on Cond. Approval Milestone Worksheet
Condition for rule:

o Assigned at completion of: Credit Approval
Form List:
o HMDA Information
o REGZ-TIL
o VOD
o VOE
o VOL
o VOM
o VOR

Loan Processor Selected on Credit Approval Milestone
Condition for rule:

o Assigned at completion of: Credit Approval
Form List:
o HMDA Information
o REGZ-TIL
Loan Processor Selected on Send to Processing Milestone Worksheet
Condition for rule:

o [MS.STATUS] = "Credit Approval"
Form List:
o 2010 Itemization
o 2010 GFE
o HMDA Information
o REGZ-TIL
o Borrower Information - Processing

Other Loan Type
Condition for rule:

o Loan Type is: Other
Form List:
o Aggregate Escrow Account
o FACT Act Disclosure
o Loan Submission
o Request for Transcript of Tax
o RESPA Servicing Disclosure
o Section 32 TIL
Post Closer Selected on Funding Milestone Worksheet
Condition for rule:

o Current Role: Post Closer
o Assigned at completion of: Funding
Form List:
o Closing RegZ
o HMDA Information
o HUD-1 Page 1
o HUD-1 Page 2
o VOD
o VOE
o VOL
o VOM
o VOR

Shipper Selected on Post Closing Milestone Worksheet
Condition for rule:

o Current Role: SH
o Assigned at completion of: Post Closing (Archived)
Form List:
 1098 Mortgage Interest
 Borrower Information - Vesting
 Closing Conditions
 Closing RegZ
 HMDA Information
 HUD-1 Page 1
 HUD-1 Page 2
 Property Information
 Self-Employed Income 1084
 Statement of Denial
 VOD
 VOE
 VOL
 VOM
 VOR
Underwriter Selected on Resubmittal Milestone Worksheet
Condition for rule:

o Current Role: UW/Validator
o Assigned at completion of: Resubmit
Form List:
o HMDA Information
o REGZ-TIL
o VOD
o VOE
o VOL
o VOM
o VOR

Underwriter Selected on Submittal Milestone Worksheet
Condition for rule:

o Current Role: UW/Validator
o Assigned at completion of: Submittal
Form List:
o Notice of Incomplete Application
o REGZ-TIL
USDA RHS Loan Type
Condition for rule:

o Loan Type is USDA RHS
Form List:
o HUD 1003 Addendum
o HUD-56001 Property Improvement
VA Loan Type
Condition for rule:

o Loan Type is VA
Form List
o HUD 1003 Addendum
o Section 32 TIL
o VA 26-0286 Loan Summary
o VA 26-1805 Reasonable Value
o VA 26-6393 Loan Analysis
o VA 26-8261A Veteran Status
o VA 26-8923 Rate Reduction WS
o VA Cert of Eligibility

Inactive Form Rules
Conventional Loan Type (DH: why is this shown as inactive when UB originates
Conventional Loans?)
Condition rule:
o Loan Type is Conventional
Form List:
 Additional Requests Information
 Aggregate Escrow Account
 FACT Act Disclosure Form List:
 Loan Submission
 Request for Copy of Tax Return
 Request for Transcript of Tax
 RESPA Servicing Disclosure
 Section 32 TIL
 Transmittal Summary
Subject Property State is CA
Condition rule:
o Property State is California
Form List:
o MLDS – CA GFE
Subject Property State is FL
Condition rule:
o Property State is Florida
Form List:
o FL Broker Contract Disclosure
o FL Lender Disclosure

Subject Property State is NY
Condition rule:
o Property State is New York
Form List:
o NY Application Log
o NY Pre-application Disclosure
Subject Property State is TX
Condition rule:
o Property State is Texas
Form List:
o TX Broker Disclosure

LOAN FORM PRINTING
Use the Loan Form Printing tool to create rules that restrict the printing of forms until required
fields are completed or other custom rules are satisfied. When specified fields must be completed
prior to printing, users receive a message listing the required fields that must be completed. For
example, you could create a rule that prevents the Borrower Summary – Origination UB from being
printed until the Credit Score for Decision Making field has been completed.
You can also create your own advanced coding rules that must be satisfied before a form can be
printed. When this is the case, users receive a message explaining why the form cannot be printed
INACTIVE LOAN FORM PRINTING RULES

Pre- Field Description
Chann Condition for Required
Name el Rule Form Name Fields
2010 Itemization All Yes, Apply 1003 – All 337
MI Premium req this rule only Required Pages
on 1003 if: [#742] >
80.01
Dupont Test All No, Always Dupont NOTICE 337, Fees Mtg Ins
Print Rule - apply this rule TO PROSPECTIVE Advanced Premium Borr
PLEASE DO NOT BUYERS 3.2011 Coding
DELETE UBM
PIW All No, Always PIW Notice About CX.PIW Advanced Coding
apply this rule Your Apprsl UBM
if [cx.piw] <> "Yes" then
Fail("This loan does not require
a PIW")
End if

PRINT AUTO SELECTION
The Print Auto Selection tool is used to determine the default set of forms that are automatically
selected in the Print window for loans that have specified values in selected fields. For example, you
can create a rule that adds forms to the default print list when a subject property is located in a
specific county.
Print auto selection rules can be applied to individual forms or form groups. When you create a rule
for a form group, the rule applies to any form added to the group without having to update the rule.
Note: When you open the Print window from a form in a loan file, the associated output form is
automatically added to the Selected Forms list. You can disable the automatic selection using the
Settings Manager in the Encompass360 Admin Tools.
INACTIVE PRINT AUTO SELECTION RULES

Name Condition for Field Description Field Auto Select
Rule ID Condition Forms/Form
Group
Mortgage Loan No, Always 2301 Underwriting Value is Mortgage Loan
Commitment apply this rule Approval Date Commitment Letter
Letter TEST UBM

LOAN SETUP
AUTO LOAN NUMBERING

Umpqua Bank chose to disable auto loan numbering for each branch; therefore, each time a loan is
originated in Encompass, the next available loan number is used regardless of which branch
originates the loan.

AUTO MERS MIN NUMBERING
The Auto MERS MIN Numbering window is used to setup a MERS MIN Numbering system in
Encompass. The seven digit Organization ID provided by MERS is entered in the corresponding
field.
Note: The Auto creation of MERS MIN Numbers can be turned on or off.
Although the ability to create an organization ID at each level in the hierarchy can be setup,
Umpqua Bank uses only one organization ID for all branches.
Select the MERS MIN Numbering button to view the current status of MERS MIN
Numbering at Umpqua Bank. The Edit option is disabled since changing this number can
result in duplicate numbers.

LOAN FOLDERS
Loan folders are used to organize loans into groups. Loan folders can be created to group loans by
categories such as loan type, loan status, or month of origination.
Umpqua Bank’s Loan Folders
The Archive and Trash folders were added when Encompass360 was installed; these folders cannot
be deleted. Loans are moved to the Trash folder when they are deleted from other folders. Loan
folders setup in Encompass cannot be archived with the exception of the <Purchased> folder.
ARCHIVE FOLDERS
Any folder other than the Trash folder can be designated as an archive folder. Loans in archived
folders are handled differently on the Pipeline, Dashboard and in reports as noted below.
Archived loans appear on the Pipeline without displaying their alerts.

When viewing only loans in a selected archive folder, by default, the loans are sorted by the
borrower’s last name.
Loans in archive folders are not displayed on Dashboard snapshots or included in report
outputs with the exception of Dashboard snapshots or reports that are created specifically
to display loans in a designated archive folder.
TRASH FOLDER
The Trash folder is used to improve the control and management of deleted loan files:
Access to the Trash folder is controlled at the User Groups level. Loans in the Trash folder
can be viewed but not changed.
When a loan is deleted from a non-Trash folder, it is moved to the Trash folder. A server log
entry is made to indicate the user who deleted the loan and when it was deleted.
Only user’s who are authorized through their assigned persona can permanently remove or
restore a loan from a Trash folder.

When a loan is deleted from a Trash folder, a server log entry is made to indicate the user
who permanently deleted the loan and when.
When a loan is restored from a Trash folder, a server log entry is made to indicate the user
who restored the loan and when.
ALERTS
An alert is a notification indicating an event has occurred, is pending, or is due. Alert details are
displayed on the Pipeline and in the loan file. You can view the 28 alerts currently defined in
Encompass based on trigger fields that active the notifications. For a more information on the Alerts
used at Umpqua Bank, view the “Alert Descriptions” table on the following page.
Alerts, Triggers, Notifications, Types

Alert Descriptions and Types(Custom/Compliance)
Name Description Alert Type
Milestone Milestone Expected alerts notify users of pending

Expected milestones. These alerts display on the Pipeline, Log, and
the top of the milestone worksheet (the top of the
worksheet displays in red). When you record the
achievement of a milestone on the milestone worksheet or
update the Days to Finish field, the corresponding entry in
the Log reflects the completion or update. The completion
date is used to calculate the expected completion of future
milestones.
Milestone Milestone Finished alerts are generated when a milestone

Finished is completed, notifying the loan team member responsible
for completing the next milestone that the milestone has
been completed. These alerts display on the Pipeline, Log,
and the top of the milestone worksheet (the top of the
worksheet displays in red). The alert is cleared when the
loan team member clicks the Accept File (Clear Alert)
button on the milestone worksheet.
Document Document alerts notify users of the status of ordered and

Expected received documents. When you begin managing a
document you can change the default dates if needed.
Document alerts display on the Pipeline and in the Log. In

the Log, an entry is created showing the expected receipt
date. This entry changes to red text if the document
becomes past due. If a received document expires, a new
entry replaces the expected receipt date in the Log.
Document Document alerts notify users of the status of ordered and

Expired received documents. When you begin managing a
document you can change the default dates if needed.
Document alerts display on the Pipeline and in the Log. In

the Log, an entry is created showing the expected receipt
date. This entry changes to red text if the document
becomes past due. If a received document expires, a new
entry replaces the expected receipt date in the Log.

eFolder
Update
Conver- Conversation Log alerts notify loan team members of

sation Follow required follow-up actions. These alerts are based on
Up information entered in the Follow Up section on the
Conversation Log worksheet. Conversation Log alerts
display on the Pipeline, Log, and the top of the
Conversation Log list for the selected loan team members.
Task Task alerts notify the loan team member of required

Expected expected and follow-up actions. These alerts are based on
information entered in the Status and Follow Up sections
on the Task worksheet. The alert entry displays in the Log
for the selected loan team member as appropriate. When
the follow-up date is reached, the entry changes to red text
and the alert also displays on the Pipeline. Clear the alert
by selecting a Followed up on date or by updating the
follow up on date.
Task Follow Task alerts notify the loan team member of required
Up expected and follow-up actions. These alerts are based on
information entered in the Status and Follow Up sections
on the Task worksheet. The alert entry displays in the Log
for the selected loan team member as appropriate. When
the follow-up date is reached, the entry changes to red text
and the alert also displays on the Pipeline. Clear the alert
by selecting a Followed up on date or by updating the
follow up on date.
Post Closing These alerts are generated when a post closing condition is
Condition pending. Post Closing Condition alerts are based on
Expected information entered in the Tracking section of the Post-
Closing Condition Details window (specifically, the Days to
Receive field in the eFolder). The alerts display on the
Pipeline, Log, and the top of the milestone worksheet with
which the condition is associated (the top of the worksheet
displays in red).
Registration Registration Expiration alerts notify loan team members of

Expiration the expiration of a loan that was registered with an

investor (Field ID 2824). Registration Expiration alerts
display on the Pipeline and the Log.
Rate Lock Rate Lock Request alerts are generated using the Lock
Requested Request tool. When a loan officer submits a lock request
for an unlocked loan to the lock desk, a Lock Request icon
displays on the Pipeline. When the loan rate is locked
and the loan officer is notified, the Lock Request icon is
replaced by a blue Lock icon . When a loan officer
submits a lock request for a loan that is already locked, a
Locked Loan Lock Request icon displays on the Pipeline.
The alerts also display on the Log and in the header above
the work area in the loan file.
Rate Lock Rate Lock Confirmation alerts are generated when a loan
Request rate is locked by the lock desk, and confirmation is sent to
Confirmed the requestor (typically the loan officer). The Lock Request
icon is replaced by a blue Lock icon . The alert displays
on the Pipeline, Log, and in the header above the work
area in the loan file.
Rate Lock Rate Lock Request Denied alerts are generated when a rate
Request lock request is denied by the lock desk. When a request is
Denied denied, the Buy Side and Sell Side components of the
request are cleared and the Lock Request icon is removed.
The alert displays on the Pipeline and the Log. When the
lock desk denies a lock request, one or more loan team
members receive a notification.
Rate Lock Rate Lock Expiration alerts notify loan team members of
Expired the expiration of a rate lock. When the alert is created, the
blue Lock icon changes to red , and the number of days
remaining (if any) displays beneath the icon. Rate Lock
Expiration alerts display on the Pipeline, Log, and in the
header above the work area in the loan file.
Borrower Payment Past Due alerts notify loan team members that an
Payment Past interim-servicing payment is pending or due (Field ID
SERVICE.X14 on the Interim Servicing Worksheet). The

Due alerts displays on the Pipeline and the Interim Servicing

Worksheet.
Statement These alerts notify loan team members of the requirement

Printing/Mail to send an interim-servicing statement to the borrower
ing Due (based on the number of days setting on the Servicing
screen on the Settings tab). The alerts displays on the
Pipeline and the Interim Servicing Worksheet.
Escrow These alerts are generated when an escrow disbursement

Disbursemen is pending or due (based on the dates in the disbursement
t Due Due Date fields on the Interim Servicing Worksheet). The
alerts displays on the Pipeline and the Interim Servicing
Worksheet.
Purchase These alerts are generated when the value in the

Advice Form Reconciled Difference field (Field ID 2629) on the
Does Not Purchase Advice Form is not 0. The alerts display on the
Balance Pipeline and the Purchase Advice Form.
Shipping Due Shipping Due alerts notify loan team members of a

pending or past due investor delivery date (Field ID 2012
on the Shipping Detail form). The alerts display on the
Pipeline.
Compliance Compliance Review alerts notify loan team members when

Review a compliance review report has been ordered for a loan
and includes the results of the review, Pass or Did Not
Pass. The alerts display on the Pipeline and on the Alerts
& Messages tab and the Log tab in the Loan Log. Click the
alert on the Alerts & Messages tab to view the compliance
review report. Click the alert on the Log tab to open the
report using the eFolder where you can view and modify
the report and report details.
Redisclose In accordance with MDIA provisions, Redisclose REGZ-TIL

REGZ-TIL (APR Change) alerts are generated when there is a
(APR Change) difference between the value in the Disclosed APR (Field Compliance (MDIA,
ID 3121 on the REGZ-TIL and Closing REGZ forms) and the Jul 2009)
Current APR field (Field ID 799 on the REGZ-TIL and
Closing REGZ forms) greater than .125% (for regular

loans; for irregular loans this alert is generated when the

difference between the two APR values is greater than
.25%). The alert notifies loan team members that the new
APR should be disclosed to the borrower. The alert
displays on the Pipeline, the Alerts & Messages tab in the
Log, and both REGZ forms, as well as in a pop-up window
when you save the loan.
An Admin can use the Alerts tool to configure these alerts

to generate when the APR differs by more than 0.125% for
regular and irregular loans.
Current Settings
APR Tolerance: 0.125%/0.25% (regular loans/irregular

loans)
Alert when APR increases or decreases by more than the

APR tolerance.
Message: REG-Z TIL must be re-disclosed when the Current

APR differs from the Disclosed APR by more than 0.125%.
(0.25% for ARM loans)
Closing Date To comply with MDIA provisions, a Closing Date Violation

Violation alert is generated when the loan's Estimated Closing Date
(Field ID 763 on the Borrower Summary) precedes the
loan's Earliest Closing Date (Field ID 3147 on the
Disclosure Tracking tool). The alert displays on the Compliance (MDIA,
Pipeline and the Alerts & Messages tab in the Log, as well Jul 2009)
as in a pop-up window when you save the loan.
Message: The expected closing date for the loan is prior to

the earliest closing date allowed by the regulations.
Send Initial According to RESPA, the loan originator must provide the
Disclosures initial GFE to the borrower within three days of receiving
the loan application. The Send Initial Disclosure alerts are Compliance
generated when all of the alert's trigger fields have been (RESPA, Jan 2010)
populated. By default, these fields include Borrower First
Name (Field ID 4000), Subject Property Address (Field ID
11), Loan Amount (Field ID 1109), and other fields used to

complete the loan application. View the Send Initial

Disclosures alert in the Alerts settings tool for a full list of
Field Triggers. These alerts display on the Pipeline and the
Alerts & Messages tab in the Log, as well as in a pop-up
window when you save the loan. Initial disclosures must
be sent no later than three business days after the alert has
been generated. (Business days are determined by the Our
Company Calendar settings.)
Field Triggers: Borrower First Name (4000), Borrower

Last Name (4002), Borr SSN (65), Income Total Mo Income
(736), Subject Property Street (11), Subject Property City
(12), Subject Property State (14), Subject Property Zip
(15), Subject Property Est Value (1821), Trans Details
Loan Amt (1109)
Message: Initial disclosures must be sent no later than 3

days from the receipt of sufficient information to complete
an application.
GFE Expires RESPA states that if a borrower does not express intent to
continue with an application within 10 days of receiving
the GFE, the loan originator is no longer bound by the GFE.
The GFE Expires alert notifies you that the GFE Expiration
Date (Field ID 3140 on the 2010 GFE) is near and the
loan's rate has not been locked. The days before the
expiration date value set up in the Alerts Settings
determines exactly when the alert displays. The
GFE Expiration Date must be a minimum of 10 days from Compliance
the Initial GFE Sent Date (Field ID 3148 on the Disclosure (RESPA, Jan 2010)
Tracking tool. (Days are determined by the Our Company
Calendar settings.) The alert displays in the Pipeline, the
Alerts & Messages tab in the Log, and the 2010 GFE (the
top of the page displays in red), as well as in a pop-up
window when you save the loan.
Message: The GFE expired and the Interest Rate is not

locked. Lock the rate or contact the borrower to discuss
current rates and pricing.
Redisclose Under RESPA regulations, if a rate lock changes after the Compliance

GFE (Rate initial GFE is provided, a revised GFE must be sent to the (RESPA, Jan 2010)
Lock) borrower within three days of the changes. These
Redisclose GFE alerts are generated when the Rate Locked
Date (Field ID 761) is later than the Last Sent Date (Field
ID 3137) on the 2010 GFE. In other words, the rate was
locked after the 2010 GFE was initially disclosed. The alert
displays on the Pipeline, Log, and 2010 GFE (the top of the
page displays in red), as well as in a pop-up window when
you save the loan. (Days are determined by the U.S. Postal
Calendar settings.)
Message: The rate is now locked, and the GFE must be re-
disclosed to the borrower. Change only the rate-related
fields in the GFE.
Redisclose Under RESPA regulations, if circumstances have changed

GFE since the initial GFE was provided, a revised GFE must be
(Changed sent to the borrower within three days of the changes.
Circumstance These Redisclose GFE alerts are generated when the
) Changed Circumstance check box (Field ID 3168) is
selected on the 2010 GFE. The Changes Received Date field
(Field ID 3165 on the 2010 GFE) is populated with the
current date. The alert displays on the Pipeline, the Alerts
& Messages tab in the Log, and 2010 GFE (the top of the Compliance
page displays in red), as well as in a pop-up window when (RESPA, Jan 2010)
you save the loan. (Days are determined by the U.S. Postal
Calendar settings.)
Field Triggers: GFE Changed Circumstance Chkbx (3168),

GFE Changed Circumstance Rcvd Date (3165)
Message: A circumstance has changed, and you may need

to re-disclose the GFE to the borrower. Change only the
fields relevant to the changed circumstance.
HUD-1 To comply with RESPA tolerance regulations, these alerts

Tolerance are generated when there is a discrepancy between any of
Violated the GFE and HUD-1 values in the Charges that Cannot Compliance
Increase section of the 2010 HUD-1 Page 3 form OR when (RESPA, Jan 2010)
the total of the Increase between GFE and HUD-1 Charges
(Field ID NEWHUD.X315) on the 2010 HUD-1 Page 3 form

is more than 10%. The alerts display on the Pipeline, the

Alerts & Messages tab in the Log, and at the top of the 2010
HUD-1 Page 3 page (the top of the page displays in red).
Field Triggers: Total Est Origination Chrgs

(NEWHUD.X12), Cred/Chargs for Spec Int Rate Applied to
GFE (NEWHUD.X13), Fees Adj Orig Chrgs Applied to GFE
(NEWHUD.X16), Transfer Tax Total GFE (NEWHUD.X76),
Total GFE Tolerance Increase % (NEWHUD.X315) 
tolerance = 10%
Message: HUD tolerance limit is violated. Correct fees or

address the tolerance violation at closing or within 30
calendar days after settlement.
Reg B Field Triggers: Initial credit report received date (Reg B

Expiration Alert) (CX.INITALCREDITRCVDDATE)
Custom
Message: Approaching Reg B expiration. Please clear alert
if loan is going to proceed.
TASKS
Roles carry out loan tasks in the workflow. In Encompass, the loan processing workflow is divided
into stages called milestones.
UB associates can select tasks as needed and add them to a milestone worksheet. A milestone is a
step in the workflow that contains loan tasks (fields that need to be completed); the role carries out
those tasks. As tasks are completed, milestones are marked as Finished and work begins toward the
next milestone.
The list of Tasks by Roles (UW, LO, Processing…) can be found in the following folder:
\\Umpqua3\SHARED\Secure Department documents\RELD-

s\zadmin\Security\Encompass\Configuration\Tasks Master List Encompass.xlsx
Individual tasks can be grouped into task sets associated with a particular milestone. A task set can
then be added to a loan template. When the loan template is used to create a loan, the tasks in the
task set automatically display on the appropriate milestone worksheet. The user then selects the
check box for each task as it is completed.

DEFAULT INPUT FORMS
Default input forms are available in Encompass on the Forms Tab. The List shown below displays
all forms available in the system; currently Encompass contains 102 forms. You will notice that 33
forms (yellow highlight) are identified as default input forms (“Yes” in the Default List). The
remaining forms are used throughout the loan life cycle.
INPUT FORMS (DEFAULT 33)

The Default Input Forms tool is used to specify the default list of input forms, and the order in
which those forms are display on the Forms tab.
Note: The list of forms displayed on the Forms tab for a given loan is also affected by input form
lists, and loan templates, business rules associated with the loan, and the persona permissions
granted to the logged in user.
To Set the Default Input Forms and Display Order,

1. On the menu bar, click Encompass > Settings.
2. On the left panel, click Loan Setup > Default Input Forms.
3. Select a form and click Default to add it to the default list
OR
Click Not Default to remove it from the default list.
4. Select a form and click the Up or Down arrows to move it to a new position.
5. Click the Save icon.
CONDITION FORMS
The Condition Forms tool is used to create customized templates for the condition forms.
Conditions forms currently setup in Encompass allow users to record and view conditions that
must be met in order to complete a loan application. In Encompass, customized templates can be
created for the condition forms. Multiple versions of the form can also be created to describe
conditions that require the attention of borrowers, vendors, or UB associate(s).
After a template is created, access can be granted to the appropriate user groups. Currently, there
are 5 condition forms created for use at Umpqua Bank.
Condition Assignments
Conditional Approval Letter Grouped by Condition Category
Conditional Approval Letter Grouped by Condition Timing
External Condition Summary
Internal Condition Summary
TO CREATE A CONDITION FORM

2. On the left panel, click Loan Setup > Condition Forms.
3. Click the New icon and enter the name of the condition form in the Condition Form field.

4. Select the new condition form you created and click the Edit icon. The Condition Form
Details dialog opens.
5. On the Condition Form Details dialog, select External or Internal from the Letter Type list.
Note: This selection is used to filter the conditions included on the form. When a condition is
created (using the Conditions tool or one of the condition tabs in the eFolder), the condition
can be configured to print on internal or external condition forms (as well as both or neither).

6. Use the Starting Pages and Ending Pages fields to select forms to print before and after the
condition form, if needed. These pages can be standard Encompass360 forms or custom
forms already created.
Note: Click the Add icon to open the Select Custom Print Form window.
Select the form and then click the Select button. Click the Delete icon to remove a form from
the Starting Pages or Ending Pages field.
7. In the Content section, select the applicable check boxes for the condition information you
want to include in the form.
8. For options that do not display N/A in the Status Print Options column, select the option and
click the Edit icon to include Date, Name, or Name and Date in the form.
9. In the Presentation section, select sorting, grouping, and page numbering options for the
content in the printed condition form.
Select Condensed from the Line Spacing drop-down list to increase the number of
conditions to display on a page.
Select Legal from the Paper Size drop-down list to print the conditions on 8.5” x 14” paper.

10. When finished, click Save.
Print or Preview Condition Forms
1. Open a loan file and click the Print icon in the upper-right corner
of the Loan window. The Print dialog opens.
2. On the Print dialog, click the Standard Forms tab.

3. Select Condition Forms from the Look In drop-down list.
4. In the left panel, select one or more forms, and click Add to move them to the Selected
Forms panel on the right. This action activates the button controls at the bottom of the
dialog.
5. Click Print or Preview.
CUSTOM PRINT FORMS

The Custom Print Forms tool can be used to create custom forms, letters, and other documents to
send to borrowers, prospects, and business partners. Once custom forms, letters and documents
are created, the documents can be printed, mailed or sent electronically.

The Edit tool is used to insert information from Encompass360 fields. When documents are
generated, the information is copied from the fields to create personalized content for each
recipient. For example, the recipient’s name can be automatically included in a greeting or a
reference to the borrower’s current interest rate in a refinance letter.
When creating custom print forms, the following references to fields can be included so the
appropriate loan-specific values are automatically added to the printed form: Borrower Last Name,
Loan Number, and Loan Amount.
Mortgage operations at Umpqua Bank are currently using 67 companywide custom print forms.
There are three archived and one system custom print forms. Once custom print forms are created,
the forms can be duplicated, renamed, modified, cut, copied, deleted or moved to another folder.
COMPANYWIDE CUSTOM PRINT FORMS

ARCHIVED CUSTOM FORMS
SYSTEM USE ONLY

To Create a New Form,
2. On the left panel, click Loan Setup > Custom Print Forms.
3. On the Custom Print Forms tool, select the Public or Personal folder in which you want to
add a custom form.
4. Click the New icon and enter the name of the custom form in the Custom Print Form field.
5. Select the new form you just created and click the Edit icon.
Microsoft Word and the Insert Fields window open.
6. Create the form content, layout, and formatting as required.

7. Use the Insert Fields dialog to add variable fields as noted below:
Select the type of field you want to add from the Category list.
Select the name of the field from the Field Name list.
Click Insert to add the field to the form.
Note: It is highly recommended that these steps are followed when inserting variable fields. Using
the copying and pasting of a field and then modifying the field label can cause problems. For
example, if you copy a field and modify the label, the underlying field code doesn't change to
match the label. Therefore, if the field code is not changed too, the fields may not pull the loan
information you expect when the form is printed.
8. To search for a field, enter a keyword in the Search field, and then click Search.
9. To add a field that is not in one of the category lists, click Insert Other.
10. Enter the Field ID and click OK.
To determine a field ID, move your mouse pointer over a field on a form. The ID is displayed
in a pop-up box.
11. If this form is going to be included in an eDisclosure package that requires eSigning, make
sure you insert the eSigning signature points:
Position the cursor in the document where you want to add the signature point.
In the Insert Fields dialog, click the signature point you want to insert.

12. When finished, click Save, and then click Close.
Microsoft Word and the Insert Field dialog box close. The newly created form is added to the
custom forms list and is available for printing using the Print tool.
PRINT FORM GROUPS

Use the Print Form Groups tool to create groups of forms that you regularly print or send together.
When forms are sent or printed using the Secure Forms Transfer tool, time is saved by selecting a
form group instead of searching for, and selecting, each individual form. Once a print form group is
created, you can duplicate, rename, modify, cut, copy, delete or move the print form group.
To Create a Print Form Group,

1. On the menu bar, click Encompass, and then click Settings.
2. On the left panel, click Loan Setup > Print Form Groups.
3. Select the Public Forms Groups folder to add a new print form group.
4. Click the New icon and enter the name of the new print form group in the Print Forms Group
field.

5. Select the newly created print form group and click the Edit icon. The Print Form Group
Details dialog opens.
6. On the Print Form Group Details dialog, enter a description for the group.
7. Select the forms to include in the group. Forms can be added from the Standard and/or
Custom Forms tabs.
Click the Standard Forms tab and then select a category of forms.
Or, click the Custom Forms tab and select a Public folder.
8. Select forms from the left-hand list and click Add to move them to the Selected Forms list.

LOAN CUSTOM FIELDS
The Loan Custom Fields tool is used to create custom loan fields that meet specific requirements of
the mortgage operations business. There is no limitation as to how many custom fields can be
created. Once custom fields are defined, use the Custom Fields form on the Forms tab to enter the
custom data for a specific loan.
PRE-DEFINED CUSTOM FIELD IDS

There are 100 pre-defined custom field IDs, in the format "CUST99FV". You have the ability to
create a description, set the maximum field length, and select a format for these fields.
Note: Predefined field IDs cannot be deleted.
USER-DEFINED CUSTOM FIELD IDS

An unlimited number of custom field IDs relevant to your business can also be created. These
custom field IDs always begin with a CX. prefix, followed by an ID of your choice. For example,
"CX.TEST.1".
CUSTOM CALCULATIONS
Custom calculations can also be created for both pre-defined and user-defined field IDs. A custom
calculation is an expression that returns a number or text value, which is then saved into the
associated custom field.
Custom calculations can contain simple arithmetic operations, mathematical operations, text-based
operations, date-based operations, values from other fields in the same loan, and branching and
logical operations. For detailed information on creating custom calculations, refer to the
Encompass360 online help document – “Loan Custom Field Calculations,” which contains detailed
instructions and examples for creating each type of custom calculation.
The list of Custom Fields can be found in the following shared folder:
\\Umpqua3\SHARED\Secure Department documents\RELD-s\zadmin\Security\Encompass\Configuration\Encompass

Custom Fields_Forms 20111012.xlsx

CHANNEL OPTIONS
The Channel Options tool is used to indicate the options available on the Channel list on the
Borrower Summary form and to configure how NMLS reports will handle certain types of loans. The
option selected on the Borrower Summary indicates how Umpqua Bank is handling banked loans.
Business rules can be created that are based on a loan's channel selection. The NMLS Channels
Options section includes two drop-down lists that allow administrators to configure how NMLS
reports will handle Correspondent loans and loans that do not have a channel option selected.
To view Channel and NMLS Options,

On the menu bar, click Encompass > Settings.
On the left panel, click Loan Setup > Channel Options.
For the options that are NOT available for selection on the Borrower Summary – UB form,
the check boxes are deselected (Clear). Recheck a channel option (if Umpqua Bank adds
additional channels in the future) to include on the Borrower Summary – UB form.
In the NMLS Options section, the Banked - Retail option is the only option selected from the
drop-down list to identify the loan type.

LOCK EXPIRATION DATE
The Lock Expiration Date window defines the starting point for calculating the rate lock expiration
date. By default, the starting point is the date the rate is locked.

RESPA
RESPA covers loans secured with a mortgage placed on a one-to-four family residential property.
These include most purchase loans, assumptions, refinances, property improvement loans, and
equity lines of credit.
When borrowers apply for a mortgage loan, mortgage brokers and/or lenders must give the
borrowers the following:
Good Faith Estimate (GFE) of settlement costs

Mortgage Servicing Disclosure Statement
Special Information Booklet (regarding various real estate settlement services). Required
for purchase transactions only
The RESPA tool is used to create default Real Estate Settlement Procedures Act (RESPA)
information. When a new loan is originated, the data from the template is placed on the RESPA
Servicing Disclosure.

DISCLOSURE TRACKING SETTINGS
Disclosure Tracking Settings define:
The forms to track in the Disclosure Tracking tool.

How disclosure history entries are added to the Disclosure Tracking tool.
Whether or not to include the day when a disclosure is sent when calculating the
Compliance Timeline.

EFOLDER SETUP
DOCUMENTS
The Documents tool is used to create and manage the tracking information associated with loan
documents and services, including standard forms, custom forms, settlement services, verifications,
and documents that are supplied by the borrower. When a document is requested for a loan, the
expected receipt and expiration dates are calculated based on the default days entered in the
Documents tool. You have the ability to modify Encompass360’s standard documents as needed.
TIP: Use the Document Sets tool to create groups of documents. Within a document set, each
document is associated with the milestone at which it is used. Document sets are then used as
components of loan templates.
A complete list of Documents can be found in the following shared drive/folder.

Documents 20111012.xlsx
CUSTOM FORMS
The complete list of Custom Forms including the document forms that are needed can be found in
the following shared folder:

eFolder Custom Forms_Documents 20111012.xlsx

DOCUMENT GROUPS
The Document Groups tool is used to create groups of related documents that simplify the
management of documents in the eFolder. For example, the eDisclosures document group was
created containing all the disclosure forms UB associates send to borrowers. To send a disclosure
package, a UB associate simply needs to select the eDisclosures document group name, instead of
selecting each individual disclosure document.
DOCUMENT GROUPS LIST
A complete list of Documents and Document Groups can be found in the following shared folder.

Documents 20111012.xlsx

DOCUMENT STACKING ORDER
Used to define the order in which to display documents in the Send Documents window in the
eFolder. You can create multiple stacking order sets and also designate a default stacking order.
NOTE: Before creating a stacking order set, you must create the documents that will be added to
the set. Use the Documents tool to create documents.
Post Closing Docs
Final Title Policy
Recorded Deed of Trust
Wiring Instructions
Wire Request Form

EDISCLOSURES
Used to select the eDisclosure packages that will be sent to borrowers by UB associates and to
enable or disable the eSigning option for loans.
A package can contain standard forms and custom forms from Encompass360, as well as additional
forms that are dynamically selected based on the information entered in the loan file. UB’s
Encompass administrator(s) can select one or more predefined eDisclosure packages to use for all
loans, or set criteria that make different packages available when specified milestones or fields have
been completed. Administrators can also allow individual users to select their eDisclosure
packages, and personas that have permission can add and remove forms from packages before
sending them to borrowers. The content of the predefined eDisclosure packages are designed to
meet the requirements for the stages in the loan process.
Initial Package:
o Three-day
o Include GFE
o Include TIL
Re-Disclosure Package:
All of the following packages should include GFE & TIL
o At Application when
o Changed Circumstance
o Re-Lock
o APR Change (current APR differs from the disclosed APR by more than APRF
tolerance)
o Three-day when
o Changed Circumstance
o Re-Lock
o APR Change
o At Lock when
o Re-Lock
CONDITIONS
Used to create templates of preliminary and underwriting conditions that can be added to a
condition set and import into the eFolder for a specific loan. The underwriter is primarily
responsible for managing conditions, however other loan team members can import, track, and
clear (if authorized) conditions on the eFolder’s Preliminary Conditions and Underwriting
Conditions tabs.
The list of Conditions currently created in Encompass can be found in the following folder:

\\Umpqua3\SHARED\Secure Department documents\RELD-s\zadmin\Security\Encompass\Configuration\Conditions
20110706.xlsx
CONDITION SETS
Used to create sets of preliminary and underwriting conditions to meet the requirements of
different loan criterion, such as by loan type. Conditions from a Condition Set can then be imported
into the eFolder for a specific loan.
Closing Conditions
Conventional Conditions
FHA Conditions
FHA New Construction Conditions
FHA New Construction, Manufactured Home
OR Bond Conditions
Portfolio Loan Conditions
RD Conditions
VA Loan Conditions
VA New Construction Loan Conditions
WA Bond Conditions
The list of Condition Sets currently created in Encompass can be found in the following folder:
\\Umpqua3\SHARED\Secure Department documents\RELD-s\zadmin\Security\Encompass\Configuration\Conditions

20110706.xlsx
POST-CLOSING CONDITIONS
Used to create templates of post-closing conditions that you can add to a post-closing condition set
and import into the eFolder for a specific loan. The eFolder’s Post-Closing Condition tab is typically
used by shipper or post-closer to track and manage trailing documents and any other outstanding
conditions.
CONDITIONS
Recipien Days to
Name Description Source
t Receive
Check for Guarantee Fee for Rural

Check for Guarantee Fee Other Investor
Development
Completed “Lender Record Completed “Lender Record

Other Investor
Change” Change” for OHA
Conditions of Conditional Conditions of Conditional FHA Investor

Commitment Commitment
Copy of Final HUD-1 Copy of Final HUD-1 Escrow Investor
Copy of Promissory Note Copy of Promissory Note Escrow Investor
Final Title Policy Final Title Policy Escrow Investor
Guaranteed Loan Closing Guaranteed Loan Closing Report

Other Investor
Report for Rural Development
Lender Certification for Rural

Lender Certification Other Investor
Development
LGC Guarantee LGC Guarantee VA Investor
Copy of Loan Note Guaranty from

Loan Note Guaranty Other Investor
Rural Development
MERS – Mortgagee’s
MERS – Mortgagee’s Affidavit Other MERS
Affidavit
Mortgage Insurance Certificate for

MIC FHA Investor
FHA and Conventional Loans
Modification Agreement Modification Agreement Escrow Investor
Recorded Deed of
Recorded Deed of Trust/Mortgage Escrow Investor
Trust/Mortgage
Subordination Agreement Subordination Agreement Escrow Investor
POST-CLOSING CONDITION SETS

Used to create sets of post-closing conditions that must be met after a loan has closed. Conditions
from a Post-Closing Condition Set can then be imported into the eFolder’s Post-Closing Condition
tab for a specific loan.
All Conditions: All Post-Closing Conditions

Conventional: Conventional Post-Closing Condition Set
FHA: FHA Post-Closing Condition Set
OHA: OHA Post-Closing Condition Set
Rural Development: RD Post-Closing Condition Set
VA: VA Post-Closing Condition Set

SECONDARY SETUP
INVESTOR TEMPLATES
Use the Investor Templates screen to create investor information that users can apply to fields on
Trade Management screens and the Secondary Lock, Secondary Registration, and Shipping Details
tools.
Bank of America
Chase Rural Development
Fannie Mae
Freddie Mac
Oregon Department of Veterans Affairs
Oregon Housing Authority
Washington State House Key
Wells Fargo
ADJUSTMENT TEMPLATES
Use the Adjustment Templates tool to create templates of price adjustments that are applied to the
loans in a trade. Price adjustments are based on characteristics of the loan or the borrower; for
example, the amount of the loan or the borrower's credit score.
CONTACT SETUP
BORROWER CONTACT STATUS

Use the Borrower Contact Status tool to create a predefined list of custom statuses for your
borrower contacts. The Status field (and list of custom statuses) displays on the Extra tab of the
Borrower Contact screen.
Inactive
Cold Lead
Warm Lead
Hot Lead
Live Lead
Active Loan(s)
BORROWER CONTACT UPDATE

By default, users are prompted to update borrower contact information when the Completion
milestone is finished. Use the Borrower Contact Update screen to change the milestone to update
the information earlier.

Currently (as of 6/30/2011), selected milestone(s) for updating the borrower contact information
is/are:
Funding
Loan Templates
Loan Programs
A Loan Program is a template of predefined values that display primarily on the Truth-In-Lending
Disclosure statement and the 1003 application. You can significantly reduce data entry time and
improve accuracy by setting up Loan Programs for the types of loans you process most often.
When you select a Loan Program to use with a loan, the data from the template is copied to the loan
forms. You can leave the data as is, or change values as needed. The original data on the template is
not affected.
o Conforming Loan Programs

o Government Loan Programs
o Non-Conforming Loan Programs
o Portfolio Loan Programs
o State Loan Programs
CLOSING COSTS
(6/22/11 # of closing costs templates = 12)
CHF FHA
CHF RD
CHF VA
Construction
Conventional
FHA
ODVA
OHA Conv
OHA FHA
RD
VA
INPUT FORM SETS

Used to create sets of forms that displays on the forms list in the loan workspace. Input Form Sets
are available to use as a component of a loan template, or can be applied individually from within a
loan.

SETTLEMENT SERVICE PROVIDERS
Use the Settlement Service Providers setting to create predefined lists (templates) of settlement
service providers. When a template is created, the list of service provides associated with the
template are displayed in the Settlement Service Provider List form. These templates are available
to use as a component of a loan template or can be applied individually from within a loan.
Once settlement service provider templates are created, you have the ability to duplicate, cut, copy,
modify, delete and rename the templates.
UB SERVICE PROVIDERS (FOR TITLE AND SETTLEMENT SERVICES)

First American Title
Fidelity National Title
Amerititle Company – OR, WA, & ID Only
Stewart Title
Ticor Title
Placer Title Company – No. CA Only
Chicago Title Company
Western Title Company – OR Only
To Create a Settlement Service Providers Template,

2. In the left panel, click Loan Templates > Settlement Service Providers.
3. On the Settlement Service Providers screen, select the Public Settlement Service Providers
folder in which to add the template.
4. Click the New icon, and type the name of the template in the open field.
5. Select the new template and click the Edit icon. The Settlement Service Provider Details
dialog opens.

6. On the Settlement Service Provider Details dialog, type a Description.
7. Click the New icon within the Settlement Service Provider List section.
8. In the Settlement Service Provider section:
o To add a provider from your business contacts, click the Address Book icon. The
Business Contacts dialog opens.

9. Select a provider from the list, and then click Select
Note: By default, only providers that have been categorized as No Category are displayed in
the Business Contacts window. Click Clear to remove this filter and display all of your
providers.
10. Repeat steps 6-7 to add additional providers.
To remove settlement service providers

1. Select one or more providers on the Settlement Service Providers List, and then click the
Delete icon. A confirmation dialog box opens.

2. Click OK to remove the selected provider(s); or click Cancel to keep the selected
provider(s).
To change the display order

1. Select a provider on the Settlement Service Providers List, and then click the Up or Down
icon.
DOCUMENT SETS
Used to create a set of documents that meets the requirements of various loan scenarios or
particular lenders. Document Sets are available to use as a component of a loan template or can be
applied individually from within a loan.
NOTE: Before you can create document sets, you must create the documents you
will add to the sets. Use the Documents tool (in the eFolder Setup category) to
create documents.
The list of Document Sets currently created in Encompass can be found in the following folder:
\\Umpqua3\SHARED\Secure Department documents\RELD-s\zadmin\Security\Encompass\Configuration\Document

Sets.xlsx

TASK SETS
Use the Task Sets tool to group predefined tasks into task sets that are associated with particular
milestones. Task sets can then be added to loan templates. Task Sets are available to use as a
component of a loan template or can be applied individually from within a loan. When the template
is used to create a loan, the tasks in the task set are displayed on the appropriate milestone
worksheet.
COMPANYWIDE TASKS SETS

FHA Loan Tasks
o Standard Tasks for Loans: FHA
ODVA Loan Tasks
o Standard Tasks for Loans: ODVA
OHA Loan Tasks
o Standard Tasks for Loans: OHA
Portfolio Loan Tasks
o Standard Tasks for Loans: Portfolio
Standard Tasks for Loans
o Standard Tasks for Loans: Conventional, RD, Construction
VA Loan Tasks
o Standard Tasks for Loans: VA
WA Bond Loan Tasks
o Standard Tasks for Loans: WA Bond
NOTE: Before you can create task sets, you must first create the tasks in Loan Setup. Use the Tasks
tool (in Loan Setup) to create tasks; then, you can easily add and remove individual tasks within a
task set for a particular milestone.
PERSONAL TASK SETS
Not currently used.
The list of Public Tasks Sets in Encompass can be found in the following folder:
\\Umpqua3\SHARED\Secure Department documents\RELD-s\zadmin\Security\Encompass\Configuration\Tasks

Master List Encompass.xlsx
To Create a Task Set,

2. On the left panel, click Loan Templates > Task Sets.
3. On the Task Sets screen, select the Public Tasks Sets folder in which to add the set.
4. Click the New icon and type the name of the task set in the open field.

5. With the new task set selected, click the Edit icon. The Task Set Template Details dialog
opens.
6. On the Task Set Template Details dialog, type a Description.

7. Select a milestone from the Milestone list drop-down with which to associate tasks.
8. Select one or more tasks from the Predefined Tasks list and click the Add button. The
selected tasks move into the Tracked Tasks list.
9. Repeat steps 7 and 8 to add tasks to the set based on different milestones.
10. To remove tasks from the set, select one or more tasks from the Tracked Tasks list; then
click the Remove button.
11. Click Save when finished.

DATA TEMPLATES
Use the Data Templates tool to create templates of default loan data. Data templates are available to
use as a component of a loan template set or can be applied individually from within a loan.
You can maintain public and personal versions of resources such as loan templates, reports, and
custom print forms. Each user's access to public versions of resources is defined in the User Group
settings. The ability to manage personal versions of resources is defined in the Persona settings.
PUBLIC DATA TEMPLATES

Umpqua Bank uses Companywide data templates. A list of the templates and the forms associated
with the templates are outlined below. Once data templates are created in Encompass, you have the
ability to duplicate, cut, copy, modify, delete and rename the templates.
Standard Data Template

o Loss Payee Clause,
o RESPA Servicing Disclosure,
o 4506-T,
o Copy LoanNum to Lender Case No,
o Additional Disclosure,
o HUD Line Items,
o 1003 Page 3,
o Transmittal Summary,
o Statement of Credit Denial
Tacoma Closing Template
o Closing Conditions and Vendor Information for Tacoma Doc Draw
Tigard Closing Template
o Closing Conditions and Vendor Information for Tigard Doc Draw
PRIVATE DATA TEMPLATES

Not used at this time.
To Create a Data Template

2. In the directory tree, click Loan Templates > Data Templates.
3. On the Data Templates window, select the Public Data Templates folder in which to add the
template.
4. Click the New icon and type the name of the template in the open field.

5. With the new template selected, click the Edit icon. The Data Template Details window
opens.
6. Type a description in the Description text box.

7. To add data on the form, select an input form from the list on the left.
8. Enter the required information on the form.
Note: When creating a template, do not enter predefined mortgage insurance information on
the MIP/PMI/Guarantee Fee Calculation tool. Values entered here could cause discrepancies in
the APR values that display on different loan forms.
LOAN TEMPLATE SETS

Each loan template is comprised of one to six loan template components; Document Sets, Input
Form Sets, Data Templates, Loan Programs, Closing Costs, and Task Sets.
Use the Loan Template Sets tool to create templates of loan data, documents, and tasks for
frequently-used loan scenarios. Using loan template sets saves time and improves the accuracy of

loan information. When you start a new loan, the New Loan (or Select Loan Template) window
opens, from which you can select a template to apply to the loan.
Public and Personal Loan Templates

Each loan template set is comprised of one to seven components that are separately maintained.
The components are used in different combinations to create each loan template set.
Loan Programs - A template of predefined loan terms and properties that display primarily
on the Truth-In-Lending Disclosure statement and the 1003 application.
Closing Costs - A template of predefined closing costs that display primarily on the Good
Faith Estimate statement and the 1003 application.
Input Form Sets -The input forms to display in the forms list on the loan workspace.
Settlement Service Providers - A predefined list of providers used to populate the
Settlement Service Provider List form.
Documents Sets – A set of documents that meet the requirements of a common loan
scenario such as an FHA or ARM loan.
Tasks Sets - A set of milestone-specific tasks that are completed during the loan's
workflow.
Data Templates - A set of default loan data that is automatically populated on loan forms
when you start a loan.
DATA CONFLICTS
It is possible to create a loan template set with conflicting data from different template components.
For example, a loan template set could include a loan program with a loan term of 360 months and
a data template with a loan term of 240 months.
If data conflicts exist in a loan template set, the following rules are used.
Data in a data template is overridden by the same data in other template components.
If a loan program references a closing cost template, the data in the referenced closing cost
template is overridden by the data in a separate closing cost template.
To Create a Loan Template Set,

2. In the directory tree, click Loan Templates > Loan Template Sets.
3. On the Loan Template Sets screen, select the Public Loan Templates folder in which to add
the set.
4. Click the New icon and type the name of the loan template set in the open field.

5. With the new template selected, click the Edit icon. The Loan Template Details dialog opens.
6. Type a description in the Description text box.

7. In the Templates section, click the Edit button for one of the seven template components.
The corresponding dialog opens for the selection made.
8. Select a predefined component from the displayed list, and then click Select. The selection
made appears in the field for the selected template.
9. Repeat step 7 to add additional components to the loan template.
LOAN PROGRAMS
Umpqua Bank has the following Companywide Loan Programs
Conforming Loan Programs

o Fixed Rate and Libor ARMs
Government Loan Programs
o FHA
o VA
o RD
Non-Conforming Loan Programs
o Jumbo ARMs

o Jumbo Fixed Rate
Portfolio Loan Programs – Lot Loan, Rural Advantage, Umpqua Product Advantage
o Construction
o Relationship Advantage
o Unique Advantage
State Loan Programs
Fannie Mae
o Conv FR10 FNMA HARP
o Conv FR10 FNMA
o Conv FR15 FNMA Homepath Renovation
o Conv FR15 FNMA Super Conforming
o Conv FR15 FNMA
o Conv FR20 FNMA HARP 125
o Conv FR20 FNMA
o Conv FR25 FNMA
o Conv FR30 FNMA HARP 125
o Conv FR30 FNMA Homepath Renovation
o Conv FR30 FNMA Homepath
o Conv FR30 FNMA My Community
o Conv FR30 FNMA Super Conforming
o Conv FR30 FNMA
Freddie Mac
o Conv FR10 FHLMC
o Conv FR15 FHLMC HARP
o Conv FR15 FHLMC HARP125
o Conv FR15 FHLMC Super Conforming
o Conv FR15 FHLMC
o Conv FR20 FHLMC
o Conv FR25 FHLMC
o Conv FR30 FHLMC HARP125
o Conv FR30 FHLMC Home Possible
o Conv FR30 FHLMC Super Conforming

o Conv FR30 FHLMC
LIBOR ARMs
o Conv 10/1 ARM LIBOR HB
o Conv 10/1 ARM LIBOR I/O
o Conv 10/1 ARM LIBOR
Government Loan Programs

o FHA 203B15 EEM Streamline
o FHA 203B15 EEM
o FHA 203B15 REO
o FHA 203B15
o FHA 203B30 EEM Streamline
o FHA 203B30 EEM
o FHA 203B30 NonConf
o FHA 203B30 REO
o FHA 203B30 Streamline
o FHA 203B30
o FHA ARM 5/1 T-Bill
o RD FR30
o VA FR30
o VA IRRRL
Non-Conforming Loan Programs

o Jumbo ARMs
o Jumbo 10/1 ARM LIBOR
o Jumbo Fixed Rate
o Jumbo FR15
o Jumbo FR30

Portfolio Loan Programs
o Construction
o All-in-One 10/1 ARM T-Bill 12 mo
o Relationship Advantage
o Relationship ADV ARM 10/1 T-Bill
o Relationship ADV Conv FR15
o Relationship ADV Conv FR30
o Unique Advantage
o Unique ADV ARM 10/1 T-Bill
o Unique ADV Conv FR30 NonConf
o Lot Loan 24 Mo FR
o Rural Advantage NonConf
o Rural Advantage
o Umpqua Project Advantage NonConf
o Umpqua Project Advantage
State Loan Programs

o California CHF
o California CHF Platinum FHA203B30
o California CHF Platinum RD FR30
o California CHF Platinum VA FR30
o OR Vet
o ODVA FR30
o Oregon Bond
o Cash Advantage
o OHA Conv FR30 Cash
o OHA Conv FR30T Cash
o OHA FHA203B15 Cash
o OHA FHA203B15T Cash
o OHA FHA203B30 Cash

o OHA FHA203B30T Cash
o OHA RD 30 Cash
o OHA RD 30T Cash
o Rate Advantage
o OHA Conv FR30 Rate
o OHA Conv FR30T Rate
o OHA FHA203B15 Rate
o OHA FHA203B15T Rate
o OHA FHA203B30 Rate
o OHA FHA203B30T Rate
o OHA RD 30 Rate
o OHA RD 30T Rate
o Washington Bond
o WA Bond Conv FR30
o WA Bond FHA203B30
o WA Bond House Key Plus
o WA Bond RD 30

TABLES AND FEES
ESCROW
Fee Purpose Calc. Based On Rounding
Escrow Fee - Purchase Purchase Sales Price Up
Escrow Fee - Refinance Refinance Loan Amount Up
TITLE
Fee Purpose Type Calc. Based On Rounding
Title Fee - Purchase Purchase 2009 Sales Price Up
Title Fee - Refinance Refinance 2009 Loan Amount Up

Manual LOS

Uploaded by

Copyright:

Available Formats

Manual LOS

Uploaded by

Document Information

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Manual LOS

Uploaded by

Copyright:

Available Formats

Encompass (Loan Origination System)

Technology Advancement Group

Company Information ...................................................................................................................................................... 7

DBA Name ........................................................................................................................................................................ 7

License Information ..................................................................................................................................................... 7

Statutory Election ......................................................................................................................................................... 8

Ellie Mae Network Company .................................................................................................................................... 8

Services Password Management ............................................................................................................................ 9

User Groups ................................................................................................................................................................... 21

Business Rules ........................................................................................................................................................................ 24

Types of Rules .............................................................................................................................................................. 24

Loan Folder Business Rules ......................................................................................................................................... 26

Loan Folder Rules – Umpqua Bank...................................................................................................................... 26

Active Milestone Rules .............................................................................................................................................. 29

Active Milestone Rules (cont’d) ............................................................................................................................ 39

InActive Milestone Rules ......................................................................................................................................... 40

Field Data Entry ................................................................................................................................................................ 43

Field Data Entry Rules............................................................................................................................................... 43

Encompass Administrator Manual.docxInternal Use Only Page 2 of 142

Active Trigger Rules................................................................................................................................................... 48

Inactive Trigger Rules ............................................................................................................................................... 72

Role Access to Documents ............................................................................................................................................ 75

Document Added / Role Access to Document................................................................................................. 75

Input Form List.................................................................................................................................................................. 76

Input Form Rules......................................................................................................................................................... 76

Loan Form Printing ......................................................................................................................................................... 88

Inactive Loan Form Printing Rules ...................................................................................................................... 88

Print Auto Selection......................................................................................................................................................... 89

Inactive Print Auto Selection Rules ..................................................................................................................... 89

Loan Setup ................................................................................................................................................................................ 90

Auto Loan Numbering .................................................................................................................................................... 90

Auto MERS MIN Numbering ........................................................................................................................................ 91

Loan Folders ....................................................................................................................................................................... 92

Archive Folders ............................................................................................................................................................ 92

Trash Folder .................................................................................................................................................................. 92

Tasks ................................................................................................................................................................................... 101

Default Input Forms ..................................................................................................................................................... 102

Input Forms (Default 33) ...................................................................................................................................... 102

Condition Forms ............................................................................................................................................................ 104

To Create a Condition Form................................................................................................................................. 104

Custom Print Forms ..................................................................................................................................................... 107

Companywide Custom Print Forms ................................................................................................................. 108

Encompass Administrator Manual.docxInternal Use Only Page 3 of 142

System Use Only ....................................................................................................................................................... 110

Print Form Groups ........................................................................................................................................................ 112

Loan Custom Fields ...................................................................................................................................................... 114

Pre-Defined Custom Field IDs ............................................................................................................................. 114

User-Defined Custom Field IDs .......................................................................................................................... 114

Custom Calculations................................................................................................................................................ 114

Channel Options............................................................................................................................................................. 115

Lock Expiration Date.................................................................................................................................................... 116

RESPA ................................................................................................................................................................................. 117

Disclosure Tracking Settings .................................................................................................................................... 118

eFolder Setup ....................................................................................................................................................................... 119

Documents ....................................................................................................................................................................... 119

Custom Forms ........................................................................................................................................................... 119

Document Groups ......................................................................................................................................................... 120

Document Groups List ........................................................................................................................................... 120

Document Stacking Order.......................................................................................................................................... 121

Conditions ........................................................................................................................................................................ 122