encompass release notes

Encompass Release Notes21.4 Major ReleaseVersion 21.4.0.0/21.4.0.1 Server Patch 1

(Broker Edition)

Last revised on February 22, 2022

© 2022 ICE Mortgage Technology. All rights reserved.

© 2021 ICE Mortgage Technology. All rights reserved. Encompass® and the ICE Mortgage Technologylogos are trademarks or registered trademarks of ICE Mortgage Technology or its subsidiaries. Othercompany and product names may be trademarks of their respective owners.

Encompass Release Notes (Broker Edition) Last revised on: February 22, 2022 | 2

Table of Contents

Encompass 21.4 Release Notes - Broker Edition 6

Encompass 21.4 Major Release (Version 21.4.0.0/21.4.0.1 Server Patch 1) 6

What's in This Release 6

System Requirements for Encompass 8

Install Files and Downloads 8

Feature Enhancements in Version 21.4 9

Update to Microsoft Windows Support 10

Windows 11 Operating System Now Supported 10

HELOC Loans 10

Update to the Starting Date for HELOC Schedules 10

Send Initial Disclosures Alert No Longer Triggered for HELOC Loans 11

Encompass Forms and Tools 11

Support for PACE Loan Data in Fannie Mae DU Submissions 11

Updated Fannie Mae DU and Freddie Mac LP Options in Drop-Down Lists 13

Average Representative Credit Score 13

Automated Calculation of Present Housing Expenses 14

New Use for UCD Export Indicator Added to Disclosure Tracking Tool 17

Electronic Document Management 18

New eConsent Notification Templates for Encompass Consumer Connect Loans 18

ICE Mortgage Technology Branding Updates 19

Encompass Settings 19

New Character Limitation for System Audit Trail Records 19

Juneteenth Added as a Federal Holiday on the Encompass Compliance Calendars 20

ZIP Code Database Update 20


Feature Enhancements for Version 21.4.0.1 Server Patch 1 21

Update to the Encompass Client Machines 21

Updated FHA County Loan Limits for 2022 21

Conventional County Limits Updated for 2022 22

2022 Threshold Adjustments for QM and HOEPA 23

Loan APR Now Used as General QM APR for Loans with First Interest Adjustment After 5 Years 24

Purchase Credit Options Now Indicate Fannie Mae and Freddie Mac Applicability 25

New Hybrid Option Added for Homeownership Education 26

Fixed Issues for Version 21.4 27


City and State of Buyer/Seller Agent Now Copying to Closing Disclosure Page 5 29

Text Corrected on the Proposed Supplement Property Insurance Pop-Up Window 29

Issue Resolved with Military Service Check Boxes 30

VA Property Lien Amount Now Cleared When Loan Purpose Changed from Refinance to Purchase 30

Update to Custom Input Forms to Address Issue with Error Messages Displaying When Users Selectan Option from Drop-Down List 30

HELOC Loans 31

HELOC Historical Table Prints on HELOC Important Terms Disclosure for Loans with InsufficientPayment Amount Information 31

Piggyback Loans 31

VOAL Fields Now Accessible in Linked Piggyback Loans 31

VA Loans 32

Updated Closing Costs Calculation for VA Statutory Closing Cost Recoupment 32

Construction Loans 33

Updates to the Loan Terms and AP Table for Construction-Only Loans Using the A (Half Loan)Method 33

HMDA 33

HMDA LAR Export Codes Updating Correctly After Switching Borrower Pairs 33

HMDA APR Field Now Recalculates Correctly When APR Updated 34

Calculations 34


Loan Amount Rounding Correctly When No Purchase Price Entered 34

Total Other Asset Amount Calculated When First Asset Entered 35


1003 URLA Now Displays Correctly on LO eSign Window 35

eDisclosure Package Status Updating Correctly for Encompass LO Connect Loans 35


Update to Business Rules to Ensure Date Range Formats are Managed Consistently BetweenEncompass and Users’ Windows Systems 36

Update to Address Issue in Encompass Reporting Database When Adding Fields with More than1700 Characters 38

Miscellaneous Issues 39

Updates to Foreign Country List 39

30 Day Average SOFR Option Added to ARM Index Type Drop-Down List 40

Issue Resolved with Closing Disclosure Page 3 POC Fees for FNMA 3.2 or Blend File Imports 40

Principal Reduction Amounts No Longer Applied to Multiple Borrower Pairs 41

Corrections to County Listings in the ZIP Code Database Used by Encompass 41

Issue with Script Errors in Encompass Online Help Resolved 41

Fixed Issues for Version 21.4.0.1 Server Patch 1 42

Updates to Encompass Client Machines 42

Issue Resolved with How MIP Amounts Used in Payment Calculations 42

Diagnostic Mode - Just in Time Tool Now Operating as Expected 42

Release Notes Change Log for Version 21.4 43


Encompass 21.4 Release Notes - Broker Edition

Encompass 21.4 Major Release(Version 21.4.0.0/21.4.0.1 Server Patch 1)These are the release notes for the Encompass 21.4 Major Release. They include a high-level overview ofnew features, feature and form enhancements, and fixed issues, followed by more detailed information andinstructions where appropriate.

These release notes also provide information about an update (21.4.0.1 Server Patch 1) to the 21.4 releasethat was added to address issues discovered during testing and to describe feature enhancements for year-end updates from government entities.

Refer to the online help and the Guides & Documents page for additional information and relateddocuments.

This Encompass 21.4 Major Release will be applied to your users' computersautomatically and cannot be controlled manually via the Encompass VersionManager tool. Users will receive the update upon their initial log in of Encompassfollowing the release.

Please refer to the Major Release announcement you received from ICE MortgageTechnology for the planned release date. You can review these announcements onyour My Messages page in the Resource Center. (Click here for more information.)

What's in This ReleaseHighlights of this release include the following:

n Update to Windows Support - Windows 11 (Build 22471.1000)

n HELOC Loans Updates - Updates have been made in the method used to set the starting date forthe minimum, maximum, FL, and historical schedules included in HELOC loan disclosures. Updateshave also been made to ensure that the Send Initial Disclosures alert is not triggered forHELOC loans.

n Automated Calculation of Present Housing Expenses - Automated calculations have beenimplemented to ensure that Encompass uses the same logic as Fannie Mae Desktop Underwriter(DU) when determining the borrower and co-borrower combined present housing expenses for Rent



#21201-Fixed

https://help.elliemae.com/documentation/encompass/Content/encompass/library/documents.htm

https://help.elliemae.com/documentation/encompass/Content/encompass/admin-tools/version-manager.htm

https://help.elliemae.com/documentation/encompass/Content/encompass/admin-tools/version-manager.htm

https://resourcecenter.elliemae.com/resourcecenter/default.aspx

https://help.elliemae.com/documentation/encompass/Content/encompass/whatsnew/release-naming.htm

#windows11screen

#HELOC

(field ID 119), 1st Mortgage (field ID 120), and R.E. Taxes (field ID 123).

n New Use for UCD Export Indicator Added to Disclosure Tracking Tool - A new Use for UCD Exportindicator is now provided in the Disclosure Tracking Tool to enable users who send UCD (UniformClosing Dataset) files to Fannie Mae or Freddie Mac to indicate the CD (Closing Disclosure) to send.



Take me there...

n Feature Enhancements

n Fixed Issues

n Change Log

System Requirements for Encompass

Have you reviewed the latest System Requirements?

Before downloading or applying this new Encompass release, it is important to verify the latest systemrequirements for Encompass client machines. Please review the System Requirements for Encompass toensure your environment meets the requirements needed to operate Encompass successfully.

Install Files and DownloadsVisit the Encompass SDK and Other Install Files page to access the latest download links to common tools,including eFolder print drivers and the Encompass Document Converter.



https://help.elliemae.com/DocumentationLibrary/360/SystemRequirements.pdf

https://help.elliemae.com/documentation/encompass/Content/encompass/release_notes/sdk-installs.htm

Feature Enhancements in Version 21.4This section discusses the updates and enhancements to existing forms, features, services, or settings thatare provided in this release.

Update to Microsoft Windows Support 10

Windows 11 Operating System Now Supported 10

HELOC Loans 10

Update to the Starting Date for HELOC Schedules 10

Send Initial Disclosures Alert No Longer Triggered for HELOC Loans 11


Support for PACE Loan Data in Fannie Mae DU Submissions 11

Updated Fannie Mae DU and Freddie Mac LP Options in Drop-Down Lists 13

Average Representative Credit Score 13

Automated Calculation of Present Housing Expenses 14

New Use for UCD Export Indicator Added to Disclosure Tracking Tool 17


New eConsent Notification Templates for Encompass Consumer Connect Loans 18

ICE Mortgage Technology Branding Updates 19


New Character Limitation for System Audit Trail Records 19

Juneteenth Added as a Federal Holiday on the Encompass Compliance Calendars 20

ZIP Code Database Update 20

Feature Enhancements in Version 21.4


Update to Microsoft Windows Support

Windows 11 Operating System Now Supported

Windows 11, Build 22471.1000 is now supported for use with Encompass 21.4

For more information about Encompass system requirements and compatibility with third-partyapplications, refer to the System Requirements and Compatibility Matrix.

NICE-37995

HELOC Loans

Update to the Starting Date for HELOC Schedules

Updates have been made in the method used to set the starting date for the minimum, maximum, FL, andhistorical schedules included in HELOC loan disclosures. All schedules now begin on January 1 of the yearthat is 14 years prior to the disclosure date (field ID 363) for the loan. If no disclosure date is entered, theschedules begin on January 1 of the year 14 years prior to the current date. For example, schedules for aHELOC loan with a disclosure date of December 15, 2021 will begin on January 1, 2007.

When the full loan term as defined by the combined total of the Draw Period plusthe Repayment Period (field IDs 1889 and 1890) is less than 180 months, thestarting date for the schedules is determined by subtracting the number of years inthe loan term from the year of the disclosure date (or the current year when nodisclosure date is selected). For example, schedules for a HELOC loan with adisclosure date of December 15, 2021 and a loan term of 120 months will begin onJanuary 1, 2011.

To make the disclosure date accessible on the HELOCManagement input form, a HELOC Disclosure Datefield (field ID 363) has been added to the HELOC Program tab on the form. This date field uses the samefield ID as the disclosure date fields used elsewhere in Encompass.



https://help.elliemae.com/DocumentationLibrary/360/SystemRequirements.pdf

CBIZ-29301, CBIZ-31415

Send Initial Disclosures Alert No Longer Triggered for HELOC Loans

Starting in Encompass 21.4, the Send Initial Disclosures alert will not be triggered for HELOC loans. Thisapplies to HELOC loans using RESPA 2010 GFE and HUD-1 forms or the RESPA-TILA 2015 LE andCD form version. In previous versions of Encompass, this alert would be triggered erroneously forHELOC loans if the 2010 REGZ-TIL and 2010 GFE was not disclosed.

HELOC loans are identified by the Loan Type field (field ID 1172) on the BorrowerSummary and other input forms. Selecting the HELOC check box for the loan typehere ensures that this alert will not be applicable to the loan.

NICE-27976

Encompass Forms and Tools

Support for PACE Loan Data in Fannie Mae DU Submissions

Updates have been made to enable lenders to submit data for PACE (Property Assessed Clean Energy)loans to Fannie Mae DU (Desktop Underwriter). These updates include new fields that display on theVerification of Liabilities (VOL) and Fannie Mae Additional Data input forms, plus new calculations todetermine energy efficient loan amounts and PACE loan payoff amounts. The information from these newfields will be included in the MISMO 3.4 loan file when a loan is submitted to Fannie Mae DU.

On the VOL input form, in the Debt Information section, two new Energy Efficient Debt check boxes (field IDFL0069) have been added to indicate whether a liability is a debt associated with a PACE Loan or anEnergy Improvement loan.



On the Fannie Mae Additional Data input form, a new Existing Energy Improvements section has beenadded with calculated values for the Energy Improvement Amount (field ID 4785) and the PACE LoanPayoff Amount (field ID 4786) when appropriate. Both fields have a Lock icon that can be clicked to overridethe calculation and manually enter an amount. A Show all VOL button has been added to provide access tothe VOL input form via a pop-up window.

The PACE Loan Payoff Amount (field ID 4786) is populated with the sum of all Payoff Amount fields (field IDFL0016) for all borrower in VOL records with all the following check boxes selected:

n The PACE Loan check box (field ID FL0069)

n The Subject Property check box (field ID FL0027)

n The Will be Paid off check box (field ID FL0218)

If the PACE Loan checkbox is cleared, the Payoff Amount for the VOL is removedfrom the PACE Loan Payoff Amount total.

The Energy Improvement Amount (field ID 4785) is populated with the sum of all Payoff Amount fields (fieldID FL0016) for all borrower in VOL records that match all the following criteria:



n The Energy Improvement check box (field ID FL0069) is selected.

n The Subject Property check box (field ID FL0027) is selected.

n The Will be Paid off check box (field ID FL0218) is selected.

If the Energy Improvement Loan check box is cleared, the Payoff Amount for theVOL is removed from the PACE Loan Payoff Amount total.

CBIZ-39843

Updated Fannie Mae DU and Freddie Mac LP Options in Drop-Down Lists

(Updated on 1/27/2022)

To address changes in Fannie Mae DU and Freddie Mac LP, the options that display in the following drop-down lists have been updated to match the revised Fannie Mae DU and Freddie Mac LP options. Theseupdates affect only the options that display on the drop-down list. The field names and mapping of the fieldshas not changed.

n The other credits description (field IDs 202, 1091, 1106, and 1646) and the other credits Source(field IDs 4667, 4668, 4669, and 4670) for lines M3–M6 in the Total Credits section on the 1003URLA - Lender input form and the Freddie Mac Additional Data input form.

n The Source of Funds (field ID URLARAL0133) in the Account Information section of the Verificationof Additional Loans input form.

n The Source (field ID URLAGG0119 and URLAGG0219) in the Gifts and Grants Information sectionof the Verification of Gifts and Grants input form.

n The Offering Identifier (field ID CASASRN.X163) on the Freddie Mac Additional Data input form.

n The Asset Type (field ID URLAROA0102) on the 1003 URLA - Part 3 and the Verification of OtherAssets input forms.

n The refinance program drop-down list (field ID URLA.X166). This field displays as a series of checkboxes on the 1003 URLA - Lender input form, but it can be added to a custom form as a drop-downlist.

CBIZ-40995

Average Representative Credit Score

A new Average Representative Credit Score field (field ID 4752) has been added to the Borrower Summary- Origination and Borrower Summary – Processing input forms to provide visibility into the averagerepresentative credit score rating that is being implemented by Fannie Mae DU (Desktop Underwriter).



The field is populated with a calculated value based on the credit scores of the first four borrowers in theloan only. A borrower with no credit score is excluded from the calculation, which is then based on the creditscores of the remainder of the original four borrowers. A recalculation of the value is triggered when any ofthe credit scores are updated for the original four borrowers. Click the Lock icon to overwrite the value ifneeded.

The value in this field is not directly integrated with Fannie Mae DU submissions, but it enables lenders toperform eligibility screening prior to a submission to identify whether a loan falls under the eligibility criteriafor Fannie Mae DU.

CBIZ-41517

Automated Calculation of Present Housing Expenses

Automated calculations have been implemented to ensure that Encompass uses the same logic as FannieMae Desktop Underwriter (DU) when determining the borrower and co-borrower combined present housingexpenses for Rent (field ID 119), 1st Mortgage (field ID 120), and R.E. Taxes (field ID 123). These fieldsdisplay in the Combined Housing section of the Loan Submission input form.



The following logic is now being used to populate values in these fields.

Rent calculation:

n The borrower portion is the sum of all monthly payments (field ID BR0016) in the borrower’sVerification of Residence (VOR) entries that have the Rent check box selected (field ID BR0016)and Current selected as the Residence Type (field ID BR0023).

n The co-borrower portion is the sum of all monthly payments (field ID CR0016) in the co-borrower’sVerification of Residence (VOR) entries that have the Rent check box selected (field ID CR0016)and Current selected as the Residence Type (field ID CR0023).

1st Mortgage calculation:

n The borrower portion is the sum of all Mortgage Payment fields (field ID FM0016) in Verification ofMortgage (VOM) entries that have Primary selected in the Property is used for drop-down list (fieldID FM0041) and the selection in the VOM is for drop-down list (field ID FM0046) is Borrower, Both,or is blank.

n The co-borrower portion is the sum of all monthly payments (field ID FM0016) in the Verification ofMortgage (VOM) entries that have Primary selected in the Property is used for drop-down list (fieldID FM0041) and Co-Borrower selected in the VOM is for drop-down list (field ID FM0046).



R.E. Taxes calculation:

n The borrower portion is the sum of all Taxes, Ins, Expenses fields (field ID FM0021) in theVerification of Mortgage (VOM) entries that have Primary selected in the Property is used for drop-down list (field ID FM0041) and the selection in the VOM is for drop-down list (field ID FM0046) isBorrower, Both, or is blank.

n The co-borrower portion is the sum of all Taxes, Ins, Expenses fields (field ID FM0021) in theVerification of Mortgage (VOM) entries that have Primary selected in the Property is used for drop-down list (field ID FM0041) and Co-Borrower selected in the VOM is for drop-down list (field IDFM0046).

To enable users to adjust the calculated amounts if needed, Lock icons have been added to the fields forRent (field ID 119), 1st Mortgage (field ID 120), and R.E. Taxes (field ID 123). Click the icons to manuallyedit the amounts.

The values from these fields are used to populate the Payment (field ID 737) for present housing in theUnderwriting Information section of the 1008 Transmittal Summary based on the borrower’s primaryoccupancy. An Edit icon has been added to the 1008 Transmittal Summary to enable underwriters toquickly access the Monthly Housing Expenses quick entry pop-up window to review the values.



Monthly Housing Expenses Quick Entry Pop-Up Window

Non-occupant borrower expenses continue to be populated to the present housing expenses for the Co-Mortgagors (field ID 1379).

CBIZ-38841

New Use for UCD Export Indicator Added to Disclosure Tracking Tool

A new Use for UCD Export indicator is now provided in the Disclosure Tracking Tool to enable users whosend UCD (Uniform Closing Dataset) files to Fannie Mae or Freddie Mac to indicate the CD (ClosingDisclosure) to send. Only one disclosure can be indicated as the disclosure to send for UCD.

The Use for UCD Export check box is provided in the Disclosure Details window for each CD record in thetool. Select this check box in the CD record you want to send to Fannie Mae or Freddie Mac.

For more information about this new option, please refer to knowledge article 40337 in the Resource Centerthat discusses how this check box impacts the CD in the eFolder.



https://resourcecenter.elliemae.com/resourcecenter/knowledgebasearticle.aspx?n=40337

NICE-35628, NICE-37821

Electronic Document Management

New eConsent Notification Templates for Encompass Consumer Connect Loans

Encompass administrators can create email notification templates that can be used when eConsentrequests are sent for loans originated in Encompass for Encompass Consumer Connect. These templatescan be configured so that different types of recipients receive different email notifications. For example, youcan send notifications to the borrowers based on one template, while sending notifications based onanother template to loan associates (Encompass users who are assigned to the loan). Encompass providesa preconfigured default template for eConsent in the setting.

The ability to create eConsent notification templates for loans originated inEncompass for Encompass Consumer Connect is available with the initialEncompass 21.4 release, but the notification emails themselves will be madeavailable in a future release.

DOCP-26677



ICE Mortgage Technology Branding Updates

ICE Mortgage Technology Branding Updates

Ellie Mae, Inc. officially became ICE Mortgage Technology in May 2021 following the acquisition of EllieMae, Inc. by Intercontinental Exchange in 2020. In support of this company naming update, references toEllie Mae have now been updated to ICE Mortgage Technology in the following user interfaces in electronicdocument management features:

n The error message that displays on the Company Status Online setting (Encompass > Settings >Additional Services > Company Status Online) when Status Online is not configured.

n The message that displays on the eDisclosure Fulfillment setting (Encompass > Settings >Additional Services > eDisclosure Fulfillment).

DOCP-23628

Encompass Settings

New Character Limitation for System Audit Trail Records

In previous versions of Encompass, when custom fields or virtual fields contained values greater than 8,000characters, the System Audit Trail update would fail. To address this issue, starting in Encompass 21.4,custom and virtual fields containing more than 8,000 characters are truncated in the System Audit Trail andthe search record will be successfully stored.

NICE-37497



https://player.vimeo.com/video/647521047

Juneteenth Added as a Federal Holiday on the Encompass Compliance Calendars

Miscellaneous Updates to Encompass Settings

To ensure that disclosure and closing timelines are scheduled correctly, June 19th (Juneteenth) has beenadded as a federal holiday on the Reg-Z Business Day Calendar and the U.S. Postal Calendar in theEncompass Compliance Calendar setting. Juneteenth, which celebrates the abolishment of slavery in theUnited States, was established as a Federal Holiday on June 17th, 2021. When a disclosure or closing datefalls on Juneteenth, the date rolls to the next business date.

June 19, 2022, which falls on a Sunday, is recorded on Sunday, June 19 on theReg-Z Business Day Calendar and on Monday, June 20 on the U. S. PostalCalendar.

CBIZ-40226

ZIP Code Database Update

Miscellaneous Updates to Encompass Settings

The Encompass ZIP Code database has been updated with the latest available ZIP Code data. This updateincludes current United States census data.

CBIZ-40073





Feature Enhancements for Version 21.4.0.1 ServerPatch 1(Added on 12/6/2021)

This update contains updates to users' Encompass client machines (21.4.0.1) and a Server Patch (serverpatch 1) that is applied to the Encompass Server. The feature enhancements listed below are included inthis update .

When you upgrade to 21.4, this client-side update (21.4.0.1) and Server Patch (server patch 1) will beapplied to your Encompass instance automatically.

In Encompass, go to Help > About Encompass in the menu bar to view your Encompass version. Once theupgrade is complete, your new version number will be 21.4.0.1 Server Patch 1.

Update to the Encompass Client Machines

Updated FHA County Loan Limits for 2022

(Added on 12/6/2021)

On November 30, 2021, the FHA announced the availability of new FHA County Limits for 2022. The URLfor the 2022 FHA County Limits table is now provided in the Encompass Settings (and selected by default).Selecting the URL synchronizes this new table to apply the new limits to applicable loans in Encompass.

To Apply the 2022 FHA County Limits:

1. On the menu bar, click Encompass, and then click Settings.

2. On the left panel, click Tables and Fees, and then click FHA County Limits.

3. In the HUDWeb Site section, select the radio button for the 2020 FHA County Limits table:

https://apps.hud.gov/pub/chums/cy2022-forward-limits.txt [Jan 1 - Dec 31 2022]

4. Click the Synchronize button. The updates are applied immediately for all users.

CBIZ-40665

Feature Enhancements for Version 21.4.0.1 Server Patch 1


Conventional County Limits Updated for 2022

(Added on 12/6/2021)

The FHFA Maximum Conforming Loan Limits for 2022, announced on November 30, 2021, have beenincorporated into the Encompass Conventional County Limit tables. These changes will be effective onJanuary 1, 2022. Encompass uses the Application Date (field ID 745) to determine the year to use whenapplying data from the Conventional County Limits table. If the Application Date is blank, Encompass usesthe current date.

CBIZ-40662



2022 Threshold Adjustments for QM and HOEPA

(Added on 12/6/2021)

The updates described below have been made to the Points and Fees verbiage and the ATR/QM testcalculation to reflect the 2022 TILA (Regulation Z) Annual Threshold Adjustments for HOEPA and ATR/QM.

Updated QM Threshold on ATR/QM Qualification Tab

For non-VA IRRRL loans that have a Document Signing Date (field ID 1887), Closing Date (field ID 748), orEstimated Closing Date (field ID 763) of 1/1/2022 or later, the calculations shown in the table below areused to populate the Current Qualified Mortgage Fee Threshold amount (field ID QM.X121) or CurrentQualified Mortgage Fee Threshold percentage (field ID QM.X122).

When the QM Fee Threshold is a percentage, the threshold amount (field ID QM.X121) is populated basedon the threshold percentage and loan amount. When the QM Fee Threshold is an amount, the thresholdpercentage (field ID QM.X122) is populated based on the threshold amount and loan amount.

Loan Amount QM Fee ThresholdCurrent QM Fee Threshold FieldPopulated

$114,847 orgreater

3% of the RegZ Total Loan Amount (field IDQM.X120)

Threshold amount (field ID QM.X121)

$68,908–$114,846.99

$3,445.00 Threshold percentage (field IDQM.X122)

$22,969–$68,907.99

5% of the RegZ Total Loan Amount (field IDQM.X120)


$14,356–$22,968.99

$1,148.00 Threshold percentage (field IDQM.X122)

$14,355.99 or less 8% of the RegZ Total Loan Amount (field IDQM.X120)


For VA IRRRL loans, regardless of the loan dates or loan amount:

n The Current Qualified Mortgage Fee Threshold percentage (field ID QM.X122) is 3%.

n The Current Qualified Mortgage Fee Threshold amount (field ID QM.X121) is 3% of the RegZ TotalLoan Amount (field ID QM.X120).

Updated Verbiage on Section 32 HOEPA

For loans with a Document Signing Date (field ID 1887), Closing Date (field ID 748), or Estimated ClosingDate (field ID 763) of 1/1/2022 or later, the following verbiage displays in the Points and Fees Test sectionon the Section 32 HOEPA Input Form:



For a loan amount of $22,969 or more total points and fees cannot exceed 5% of the total loan amount;For Loan amounts less than $22,969 the total points and fees cannot exceed the lesser of 8% of thetotal loan amount or $1,148; The dollar amounts used in this test may be adjusted each year, effectiveJanuary 1.

Updated Section 32 Points and Fees Test

For loans with a Document Signing Date (field ID 1887), Closing Date (field ID 748), or Estimated ClosingDate (field ID 763) of 1/1/2022 or later, the percentages shown in the second column below are nowpopulated for the Maximum points and fees allowed percentage (field ID S32DISC.X100) and thecalculations shown in the third column are now used to populate the Maximum points and fees allowedamount (field ID S32DISC.X101).

Loan AmountMaximum Points and FeesAllowed Percentage

Maximum Points and Fees Allowed Amount

$22,969.00 orgreater

5% 5% of the Reg Z Total Loan Amount (field ID QM.X120)

$22,968.99 orless

8% Lesser of $1,148.00 or 8% of the Reg Z Total LoanAmount (field ID QM.X120)

CBIZ-40647

Loan APR Now Used as General QM APR for Loans with First Interest Adjustment After 5Years


When the first change in an ARM loan’s interest rate occurs after 5 years, the QM APR (field ID QM.X381)on the Qualification and ATR/QM Eligibility tabs of the ATR/QMManagement input form is now populatedwith the Annual Percentage Rate for the loan (field ID 799).

For construction-to-permanent loans, the QM APR calculation change applies only to the permanent portionof the loan:

n The loan APR (field ID 799) will always be populated as the QM APR (field ID QM.X381) forconstruction-to-permanent ARM loans when:

n The first interest rate adjustment on the permanent portion of the loan occurs after 5 years.

n The permanent portion of the loan has an adjustable rate.

n Construction-to-permanent ARM loans will continue to use the previous QM APR calculation if thefirst interest rate adjustment on the permanent portion occurs in 5 years or less.

CBIZ-42316



Purchase Credit Options Now Indicate Fannie Mae and Freddie Mac Applicability


To clearly indicate the purchase credit options that are applicable to Fannie Mae, Freddie Mac, or both, thedrop-down lists described below now include additional text in parentheses at the end of each option toindicate when it is for:

n Fannie Mae - (FNMA)

n Freddie Mac - (FRE)

n Both Fannie Mae and Freddie Mac - (FNMA/FRE)

n Fannie Mae Retired - (FNMA Retired)

n Freddie Mac Retired - (FRE Retired)

The additional text now displays for options in the drop-down fields listed below:

n The other credits description (field IDs 202, 1091,1106,1646) and the other credits Source (field IDs4667, 4668, 4669, 4670) for lines M3–M6 in the Total Credits section on the 1003 URLA - Lenderinput form and the Freddie Mac Additional Data input form.

n The Source of Funds (field ID URALARAL0133) in the Account Information section of theVerification of Additional Loans input form.

n The Source (field ID URLAGG0119) in the Gifts and Grants Information section of the Verification ofGifts and Grants input form.

n The refinance program drop-down list (field ID URLA.X166). This field displays as a series of checkboxes on the 1003 URLA - Lender input form, but it can be added to a custom form as a drop-downlist.

CBIZ-42496



New Hybrid Option Added for Homeownership Education

(Added on 12/6/2021)

On the 1003 URLA-Lender input form, a new Hybrid option has been added to the drop-down lists used toselect the homeownership education program format (field ID URLA.X154 and URLA.X160) for theborrower and co-borrower.

CBIZ-42579



Fixed Issues for Version 21.4This section describes the issues that have been fixed in this release.


City and State of Buyer/Seller Agent Now Copying to Closing Disclosure Page 5 29

Text Corrected on the Proposed Supplement Property Insurance Pop-Up Window 29

Issue Resolved with Military Service Check Boxes 30

VA Property Lien Amount Now Cleared When Loan Purpose Changed from Refinance toPurchase 30

Update to Custom Input Forms to Address Issue with Error Messages Displaying When UsersSelect an Option from Drop-Down List 30

HELOC Loans 31

HELOC Historical Table Prints on HELOC Important Terms Disclosure for Loans with InsufficientPayment Amount Information 31

Piggyback Loans 31

VOAL Fields Now Accessible in Linked Piggyback Loans 31

VA Loans 32

Updated Closing Costs Calculation for VA Statutory Closing Cost Recoupment 32

Construction Loans 33

Updates to the Loan Terms and AP Table for Construction-Only Loans Using the A (Half Loan)Method 33

HMDA 33

HMDA LAR Export Codes Updating Correctly After Switching Borrower Pairs 33

HMDA APR Field Now Recalculates Correctly When APR Updated 34

Calculations 34

Loan Amount Rounding Correctly When No Purchase Price Entered 34

Total Other Asset Amount Calculated When First Asset Entered 35


1003 URLA Now Displays Correctly on LO eSign Window 35

eDisclosure Package Status Updating Correctly for Encompass LO Connect Loans 35

Fixed Issues for Version 21.4



Update to Business Rules to Ensure Date Range Formats are Managed Consistently BetweenEncompass and Users’ Windows Systems 36

Update to Address Issue in Encompass Reporting Database When Adding Fields with More than1700 Characters 38

Miscellaneous Issues 39

Updates to Foreign Country List 39

30 Day Average SOFR Option Added to ARM Index Type Drop-Down List 40

Issue Resolved with Closing Disclosure Page 3 POC Fees for FNMA 3.2 or Blend File Imports 40

Principal Reduction Amounts No Longer Applied to Multiple Borrower Pairs 41

Corrections to County Listings in the ZIP Code Database Used by Encompass 41

Issue with Script Errors in Encompass Online Help Resolved 41



Why we fixed these issues: These issues were fixed to improve usability and to help ensureEncompass is operating as expected. The issues that are chosen to be fixed are based on the severityof their impact to clients and client feedback.

Encompass Forms and Tools

City and State of Buyer/Seller Agent Now Copying to Closing Disclosure Page 5

The values entered in the File Contacts tool for the City and State (field IDs VEND.X135, VEND.X136,VEND.X146, VEND.X147) of the Buyer’s Agent and Seller’s Agent are now copied correctly to the ClosingDisclosure Page 5 when the Add to CD Contact Info check box (field IDs VEND.X993 or VEND.X994) isselected prior to entering the agent’s contact information.

CBIZ-35458

Text Corrected on the Proposed Supplement Property Insurance Pop-Up Window

The following text now displays at the bottom of the pop-up window for Proposed Supplement PropertyInsurance:

The description must have the word "insurance" to be included in the Total Insurance.

Previously the text incorrectly referenced the “Total Tax” instead of Total Insurance as shown below.

The description must have the word "insurance" to be included in the Total Tax.

The Proposed Supplement Property Insurance window is accessed from Current Address section of theBorrower Summary – Origination or Borrower Summary – Processing input form by clicking the Edit iconnext to the Housing check boxes. When the Quick Entry – Monthly Housing Expenses window opens, clickthe Edit icon for Supplemental Ins to open the Proposed Supplement Property Insurance window.

CBIZ-36921



Issue Resolved with Military Service Check Boxes

For loans using the URLA 2020 forms, an update was made to the behavior of the borrower and co-borrower Military Service check boxes (field IDs URLA.X13 and URLA.X14) on the 1003 URLA Part 1 inputform. Previously, when an encompass user selected and then cleared the Yes check box, for MilitaryService, the No check box would automatically be selected. User would then have to clear the No checkbox if they did not want to indicate the military service status of the borrower or co-borrower.

This issue has been resolved. Clearing the Yes check box no longer causes the No check box to beselected.

CBIZ-35868

VA Property Lien Amount Now Cleared When Loan Purpose Changed from Refinance toPurchase

The Outstanding balance of Property Liens (field ID VASUMM.X126) in the Proposed Loan column on theCash-Out Refinance tab on the VA Management input form is now cleared when the Loan Purpose (field ID19) for a refinance or construction loan is changed to Purchase. Previously the Outstanding balance ofProperty Liens amount was not clearing after the Loan Purpose was change.

CBIZ-41657

Update to Custom Input Forms to Address Issue with Error Messages Displaying WhenUsers Select an Option from Drop-Down List

After clicking a button on a custom input form in order to access the Request for Transcript of Tax input formor Request for Copy of Tax Return input form, an issue occurred for users where an error related to an‘invalid token’ was triggered any time the user tried to select an item from a drop-down list on those forms.This issue has been resolved so that the error is no longer triggered when selection options from a drop-down list on those forms.

NICE-24646



HELOC Loans

HELOC Historical Table Prints on HELOC Important Terms Disclosure for Loans withInsufficient Payment Amount Information

An issue was resolved that caused the HELOC Historical Table to not print on the HELOC Important TermsDisclosure output form when a HELOC loan did not have enough payment amounts that met the criteriaused when creating a minimal example schedule. The logic for creating the schedules has been updatedand the HELOC Historical Table now prints correctly.

CBIZ-41532

Piggyback Loans

VOAL Fields Now Accessible in Linked Piggyback Loans

When two loans are linked via the Piggyback Loans tool, the following fields are now editable in aVerification of Additional Loans (VOAL) input form from the second of the two linked loans:

n All contact fields in the To: section.

n All fields in the From: section.

n The following fields in the Account Information section:

n Amount Applied to Downpayment (URLARAL0022)

n Source of Funds (URLARAL0033)



n Payment Deferred for the First Five Years (URLARAL0023)

n Affordable Loan (URLARAL0024)

CBIZ-38679

VA Loans

Updated Closing Costs Calculation for VA Statutory Closing Cost Recoupment

An update was made to the calculation for the Closing Costs (VASUMM.X127) in the Statutory Closing CostRecoupment section on the Qualification tab of the VA Management input form to address an issue thatoccurred with lender-paid VA Funding Fees. Regulations require that these fees not be included in theClosing Costs in the Statutory Closing Cost Recoupment section.

The previous calculation for Closing Costs added the Loan Costs (which included the VA Funding Fee) andthen subtracted the VA Funding Fee from the Closing Costs amount. However, when the VA Funding Feewas lender-paid, it was excluded from the Loan Costs. This resulted in a lender-paid VA Funding Fee beingsubtracted twice when calculating the Closing Costs.

To address this issue, in the calculations for the following fields on the Qualification tab in the VAmanagement input form, the borrower VA Funding Fee (field ID 1050) from line 903 on the 2015 Itemizationinput form has been replaced with the borrower-paid amount (field ID NEWHUD.2.X2290) from the feedetails pop-up window for line 905 on the 2015 Itemization input form:

n All Other Non Shoppable services (field ID VASUMM.X137) in the Closing Costs Recoupmentsection

n Closing Costs (VASUMM.X127) in the Statutory Closing Cost Recoupment section



Because of this calculation change, the funding fee is no longer included in the Closing Cost Recoupmentsection (VASUMM.X137) or the Statutory Closing Cost Recoupment (VASUMM.X127) when the lender or aparty other than the borrower pays the VA Funding fee.

Migration

This calculation update is applied to existing loans in your Encompass Pipeline only when updates aremade to one of the fields used in the calculation.

Workaround Description:

The following workaround was provided for this production issue and is no longer required for Encompass21.4 and later.

n Lock down the recoupment months or change the lender paid amount to a general lender creditinstead of specifically applying it to the funding fee.

CBIZ-36203

Construction Loans

Updates to the Loan Terms and AP Table for Construction-Only Loans Using the A (HalfLoan) Method

For construction-only loans with the A (Half Loan) option selected for the Estimate Interest On drop-downlist (field ID SYS.X6), the following updates have been made to the maximummonthly principal and interestpayment amount in the Loan Terms on the Loan Estimate Page 1 (field ID LE1.X24) and in the AP Table onthe Loan Estimate Page 2 and the Closing Disclosure Page 4 to comply with § 1026.37(b)(5) of the RegZ-TIL. The values in these fields are now calculated using the full loan amount (field ID 2). Previously thevalues were calculated using half the loan amount.

CBIZ-41935

HMDA

HMDA LAR Export Codes Updating Correctly After Switching Borrower Pairs

An issue was resolved that caused erroneous export codes to display in the HMDA LAR export for brokeredloans or loans imported from Encompass TPO Connect. This issue occurred when the Action Taken (fieldID 1393) for a loan with two borrower pairs was set to Active and an Encompass user entered data on theHMDA Information input form for the first borrower pair. If the user then switched to the second borrowerpair, changed the Action Taken (field ID 1393) to 6. Purchased, saved the loan while the second borrowerpair was still selected, and then generated the HMDA LAR report, the values for the first borrower pair werenot updating to Not Applicable when appropriate in the HMDA LAR export.



If a user switched back to the first borrower pair after generating the HMDA LARexport, Encompass would recalculate and populate the Not Applicable values inthe loan file for the first borrower pair, but the values would not change in the HMDALAR export because it was generated before Encompass updated the values.

This issue has been resolved. When the second borrower pair is selected in a loan, Encompass nowupdates the values for the first borrower pair prior to generating the HMDA LAR export.

CBIZ-40909

HMDA APR Field Now Recalculates Correctly When APR Updated

An issue was resolved that caused the APR (field ID 799) on the HMDA Information input form to notrecalculate for loans with co-mortgagors and mortgage insurance when a change in loan data triggered arecalculation of the APR. The value was recalculating correctly for the APR field (field ID 799) on other inputforms (for example the Loan Estimate Page 3, the Closing Disclosure Page 5, the RegZ-LE and the RegZ-CD).

This recalculation issue affected only the HMDA APR field and did not affect APRvalues used in disclosures for the loan.

CBIZ-29419

Calculations

Loan Amount Rounding Correctly When No Purchase Price Entered

An issue was resolved that resulted in the Loan Amount (field ID 1109) not being rounded when the loan-level Loan Amount Rounding check box (field ID 4745) was selected on the Borrower Summary –Origination input form, but a Purchase Price (field ID 136) was not entered for the loan. When a PurchasePrice was entered, the Loan Amount was rounding correctly. This issue has been resolved and the LoanAmount is now rounding correctly when the Loan Amount Rounding check box is selected, even when noPurchase Price is entered for the loan.

CBIZ-41821



Total Other Asset Amount Calculated When First Asset Entered

An issue was resolved that caused the Total Other Asset Amount (field ID URLA.X54) on the 1003 URLAPart 3 input form to not be calculated when the first entry was made for an asset in section 2b. OtherAssets You Have or when the first entry was made on the Verification of Other Assets input form. The totalwas calculated as soon as a second asset was entered on either form. This issue has been resolved andthe total is now populating as soon as the first entry is added for an Other Asset.

CBIZ-41966

Electronic Document Management

1003 URLA Now Displays Correctly on LO eSign Window

(Added on 12/21/2021)

An issue was resolved that resulted in the 1003 URLA form not displaying on the pop-up window thatprompts a loan officer to eSign documents before they are sent to a recipient. This issue affects packagessent via the eFolder Send windows when requesting documents, sending eDisclosures, or sending pre-closing documents. Other eSignable documents for the loan officer were displaying correctly on thewindow. This issue has been resolved and the 1003 URLA form now displays when the loan officer isrequired to eSign it prior to sending packages.

DOCP-30515

eDisclosure Package Status Updating Correctly for Encompass LO Connect Loans

(Added on 12/21/2021)

An issue was resolved that caused the status for some eDisclosure document packages to not update toComplete on the Packages tab in the eFolder for eDisclosure packages sent from Encompass LO Connectto recipients using Encompass Consumer Connect. This issue affected packages that included acombination of at least one eSignable and at least one Wet Sign document. The status for these packageswas still showing as Incomplete after all parties had completed the packages. This issue has been resolvedand the status for these types of packages is now being updated correctly on the Packages tab in theeFolder.

The eFolder Packages tab only displays for Encompass Consumer Connect loans.

DOCP-27496



Encompass Settings

Update to Business Rules to Ensure Date Range Formats are Managed ConsistentlyBetween Encompass and Users’ Windows Systems

When working with business rules in Encompass, administrators can set up rules for date fields and specifythe date range in which the rule will be applied. An issue occurred for some users who entered these dateranges with two-digit years (as shown in the example screen below). After setting up field rules with two-digit years like this, users subsequently received an error message (Invalid upper/lower bound) whenattempting to open any loan in Encompass. The error was due to the Encompass system interpreting a two-digit date range differently than the two-digit year indicated in the users’ Windows system. For example (asshown below), since the Windows system calendar was set up to interpret two-digit years as dates between1930 and 2029, and the Encompass field rule had a ‘Maximum’ (end) date of 12/31/40, the Encompasssystem interpreted the 12/31/40 end date as 1940 instead of 2040. This caused the error message to betriggered when users tried to open a loan because the business rule’s date range had a start date(‘Minimum’) that was higher than the end date (‘Maximum’). To address this issue, Encompass 21.4 nowuses the same date interpretation as the users’ Windows system calendar setting. In addition, two-digityears entered into business rule date ranges are now converted into 4-digit years when updates to thebusiness rule are saved. For example, 02/01/29 will be converted to 02/01/2029 in the business rulesettings.



NICE-34361

Update to Address Issue in Encompass Reporting Database When Adding Fields withMore than 1700 Characters

In earlier versions of the Encompass Reporting Database, when a new field was added to the EncompassReporting Database, if the field size was greater than 1700 characters and the Use index for this Fieldoption was selected, the Encompass Reporting Database update would fail. To prevent this fromhappening, starting in Encompass 21.4, if the field size is more than 1700, the user will be prevented fromselecting the Use index for this Field check box. For any existing fields, it is recommended to reduce thecharacter count to less than 1700 if Use index for this Field is selected (or clear the Use index for this fieldcheck box selection).



NICE-37553

Miscellaneous Issues

Updates to Foreign Country List

The following updates have been made to the Select Country pop-up window that opens when you selectthe Foreign Address check box for an address on the new URLA input forms and then click the Find icon(Magnifying Glass):

n Iran and Syria have been added to the list of countries

n Spelling has been corrected in the entries for Macedonia, The Former Yugoslav Republic of andMoldova, Republic of.

CBIZ-37180



30 Day Average SOFR Option Added to ARM Index Type Drop-Down List

An option for 30 Day Average SOFR has been added to the ARM Index Type drop-down list (field ID4512).

Workaround Description:

The following workaround was provided for this production issue and is no longer required for Encompass21.4 and later.

n Manually type in the ARM Index Type prior to pricing a new lock or relock.

CBIZ-41559

Issue Resolved with Closing Disclosure Page 3 POC Fees for FNMA 3.2 or Blend FileImports

An issue was resolved for FNMA 3.2 or Blend loan file imports that resulted in some non-POC fees beingtreated as POC fees in the Borrower Transaction section of the Closing Disclosure Page 3 when the 2015Itemization input form included at least one fee with a POC amount. The values in the following fields wereaffected by this issue:

n Sub Total (field ID CD3.X41)

n 03 Closing Costs Paid at Closing J (field ID CD3.X1)

n Total Due from Borrower at Closing K (field ID CD3.X21)

n Cash From Borrower (field ID CD3.X23)

This issue was resolved. POC and non-POC fees are now being populated correctly in the BorrowerTransaction section of the Closing Disclosure Page 3 for FNMA 3.2 and Blend file imports.

CBIZ-33665



Principal Reduction Amounts No Longer Applied to Multiple Borrower Pairs

For loans with two borrower pairs, an issue was resolved that cause a principal reduction amount in aPayoffs and Payments entry for the first borrower pair to be doubled in the following fields because theamount was being applied to both borrower pairs:

n Line 04 (field ID L85) in section K. Due from Borrower at Closing in the Borrower’s Transactionsection of the Closing Disclosure Page 3

n The field at the bottom of the Closing Disclosure Page 3 that displays the cash due to or from theborrower at close (field ID CD3.X23)

This issue has been resolved and principal reduction amounts for Payoffs and Payments are now alwaysapplied to the first borrower pair only.

CBIZ-39659

Corrections to County Listings in the ZIP Code Database Used by Encompass

Updates have been made to correct an issue with county codes in the ZIP code database used byEncompass. This issue occasionally caused extraneous counties and cities to display in the Select a Citypop-up window that opens when entering ZIP codes that included more than one city or town. The invalidentries have now been removed from the ZIP code database.

CBIZ-42177

Issue with Script Errors in Encompass Online Help Resolved

An issue occurred for users utilizing the Encompass online help where a script error was displayed eachtime a user clicked a hyperlink in an online help topic. This issue has been resolved and the script error is nolonger triggered.

NICE-37882



Fixed Issues for Version 21.4.0.1 Server Patch 1(Added on 12/6/2021)

This update contains updates to users' Encompass client machines (21.4.0.1) and a Server Patch (serverpatch 1) that is applied to the Encompass Server. The fixed issues listed below are included in this update.

When you upgrade to 21.4, this client-side update (21.4.0.1) and Server Patch (server patch 1) will beapplied to your Encompass instance automatically.

The updates included in the Server Patch (server patch 1) are applicable tofeatures provided in Encompass Banker Edition only.

In Encompass, go to Help > About Encompass in the menu bar to view your Encompass version. Once theupgrade is complete, your new version number will be 21.4.0.1 Server Patch 1.

Updates to Encompass Client Machines

Issue Resolved with How MIP Amounts Used in Payment Calculations

(Added on 12/6/2021)

Customers using the initial build of the Encompass 21.4 release in test environments discovered an issuethat caused the mortgage insurance premium (MIP) amount to be incorrectly applied to the calculations forthe Total of Payments (field ID CD5.X1) on the Closing Disclosure Page 5 and the In 5 Years Total You WillHave Paid (field ID LE3.X17) on the Loan Estimate Page 3. No other calculations were modified inEncompass 21.4 and the changes to the calculations for Total of Payments and the In 5 Years Total YouWill Have Paid have been reverted to the previous versions of the calculations.

CBIZ-40143

Diagnostic Mode - Just in Time Tool Now Operating as Expected

(Added on 12/6/2021)

An issue occurred with the Diagnostic Mode - Just in Time (JIT) tool used to perform Encompassapplication logging in real time where it was not returning the expected verbose information for loan actionsin the log file. This issue has been resolved and is now working as expected in Encompass 21.4.0.1 ServerPatch 1.

NICE-38839

Fixed Issues for Version 21.4.0.1 Server Patch 1


Release Notes Change Log for Version 21.4This Change Log lists each release notes entry that has been added, deleted, or modified since the initialpreview version was first published. These items are listed in reverse chronological order (most recentchange is listed first).

Change Type:Entry updated

Change Date: 2/22/2022

Details:The following correction was made to the third bullet point in the entry for Loan APR Now Usedas General QM APR for Loans with First Interest Adjustment After 5 Years on the Feature Enhancementspage:

Current description:

n The permanent portion of the loan has an adjustable interest rate.

Previous description:

n The permanent portion of the loan has a fixed interest rate.

Change Type:Entry updated


Details:The entry for New Options for Source of Funds Option Added to Verification of Additional LoansInput Form on the Feature Enhancements page has been updated with a revised Updated Fannie MaeDU and Freddie Mac LP Options in Drop-Down Lists entry to provide additional information aboutchanges made to drop-down lists as a result of Fannie Mae DU and Freddie Mac LP updates.

Release Notes Change Log for Version 21.4


Change Type: Entry updated


Details:Updates have been made to the two entries on the Feature Enhancements page.

The Purchase Credit Options Now Indicate Fannie Mae and Freddie Mac Applicability entry on to theFeature Enhancements page was updated to replace the content in the last bulleted point describing thedrop-down lists affected by the new Fannie Mae and Freddie Mac applicability indicators.

Current description:

n The refinance program drop-down list (field ID URLA.X166). This field displays as a series ofcheck boxes on the 1003 URLA - Lender input form, but it can be added to a custom form as adrop-down list.

Previous description:

n The Description (field ID URLAROA0102) in the Account Information section of the Verification ofOther Assets.

Additionally, in the New Use for UCD Export Indicator Added to Disclosure Tracking Tool entry on theFeature Enhancements page, a new reference and link to a knowledge article that provides additionalinformation about using this check box has been added. You can view KA 40337 here.

Change Type: New entries added


Details:The following new entries were added to the Fixed Issue page:

n 1003 URLA Now Displays Correctly on LO eSign Window

n eDisclosure Package Status Updating Correctly for Encompass LO Connect Loans

Change Type: New sections added


Details: The following new sections were added to the release notes to describe the 21.4.0.1 ServerPatch 1 update currently planned for December 11, 2021.

n A new Feature Enhancements for Version 21.4.0.1 Server Patch 1 section was added to theFeature Enhancements page to describe updates to the initial Encompass 21.4 release toaddress year-end updates from government entities.

n A new Fixed Issues for Version 21.4.0.1 Server Patch 1 section was added to the Fixed Issuespage to describe an update to the initial Encompass 21.4 release to address issues discoveredduring testing.

Release Notes Change Log for Version 21.4


https://resourcecenter.elliemae.com/resourcecenter/knowledgebasearticle.aspx?n=40337

rn_feature-enhancements.htm#21.4.0.1