Every product runs natively inside Encompass Web — no plugins to install, no separate logins, no IT tickets. One workbook that transforms itself for every role on your team.
The complete Uniform Residential Loan Application — rebuilt from scratch for Encompass Web. Five tabs, 48 panels, full SSF field binding, dark mode, real-time validation. It's everything the built-in URLA should have been.
emid attributesThe workbook detects the logged-in user's role and transforms itself — showing the fields, validations, tooltips, SOP steps, and SmartAdvisor guidance that role needs. No configuration. No separate forms. It just knows.
Capture complete, decision-ready applications. Pre-qualification calculator, program eligibility, borrower contact fields front and center.
LE/CD management, TRID compliance timelines, fee tolerance tracking, change-of-circumstance workflows.
Document verification, service ordering, condition clearing, AUS submission — with everything staged for underwriter handoff.
Risk review at a glance — credit/income/assets/liabilities highlighted, condition management, AUS comparison, suspense/approval actions.
Final document preparation, closing cost reconciliation, wire authorization, investor delivery packaging.
Shipping preparation, quality control audits, trailing documents, investor purchase advices, final milestone completion.
An Azure OpenAI-powered sidebar that sits alongside the workbook and provides real-time loan intelligence — condition tracking, compliance hints, next-step recommendations, and risk alerts — all computed in the context of the live loan file.
View and manage loan documents without ever leaving the workbook. The eFolder Viewer brings the document library inline — status indicators, one-click access, and lazy-loaded previews that work inside Encompass Web's Custom Tool sandbox.
Send and receive text messages with borrowers directly from the loan file — powered by Azure Communication Services. Full conversation threading, opt-in management, and message history stored alongside the loan.
Know exactly who touched the loan, when, why, and how. UserTouches™ tracks every event inside Encompass — fields, forms, rules, templates, and plugins — so you can see how loans move through your pipeline, how procedures and policies are applied, and where bottlenecks form in real time. Monitor a single file or your entire operation. Battle-tested on the desktop since 2018, now being reimagined for Encompass Web with real-time dashboards, exportable reports, and role-based performance scoring.
This isn't your grandfather's Encompass Settings — this is real-time control of your pipeline and workflows. When UserTouches™ alerts you to an anomaly, a trend, a bottleneck, or a process breakdown, SettingsPilot™ is how you respond. GPT-4.1 can be invoked to build, sandbox, and test rules and on-screen alerts — rerouting traffic, offering calm researched assistance to those who need it, and getting things back on track. UserTouches™ captures how your workflows are performing and how the best of your best do it. SettingsPilot™ is how you share and adopt that intelligence — how you adapt your workflow to maximize your team's effectiveness, where educational resources are best directed, and where more immediate remedies are necessary. Imagine this: no more Black Box.
MortgageTech® has built 41+ desktop Encompass plugins, 107 custom forms, and a full suite of admin tools over three decades. We're converting the best of them to run natively in Encompass Web — no VDI, no Citrix, no desktop dependency.
Track time between milestones across your pipeline. Identify where loans stall, measure SLA compliance, surface operational bottlenecks.
PlannedVisual interface for managing loan team member assignments, persona mapping, and role-based access control.
PlannedAt-a-glance borrower snapshot — credit score, income, DTI, housing ratio, LTV — live-calculated from the loan file.
ConvertingConsolidated credit report data — all three bureaus, trade lines, liabilities, and score comparison in one clean layout.
PlannedLoan-level time tracking, team workload distribution, and scheduling tools for pipeline management.
PlannedVisual builder for Encompass field triggers — create automation rules without writing code. If-then logic for any field combination.
ConceptFull-lifecycle conditions management — create, track, assign, and clear conditions with automation rules and team notifications. Our most-used desktop plugin.
PlannedConditional formatting rules for your pipeline view. Color-code loans by status, risk, SLA breach, or any custom criteria. Spot problems instantly.
PlannedEnhanced loan summary strip — borrower, property, amount, rate, status, and team visible at a glance without opening tabs or drilling into forms.
PlannedAutomatic disclosure trigger detection. Surfaces TRID compliance requirements in real-time when loan data changes hit regulatory threshold events.
PlannedIdentify potential duplicate applications before they create downstream compliance and operational issues. Configurable matching rules across borrower and property data.
PlannedTrack borrower electronic consent status, delivery, and acceptance across the full loan lifecycle. Required for digital mortgage workflows.
PlannedSecure internal messaging within Encompass — team notifications, loan-level comments, and workflow alerts without leaving the platform.
PlannedReal-time USPS address standardization and verification at point of entry. Prevent data quality issues, returned mail, and compliance flags.
PlannedPrint any document, form, or screen directly into the loan eFolder. No more save-download-upload-attach workflows. One click.
PlannedSecure wire transfer verification workflow — confirm wiring instructions, flag discrepancies, and audit the confirmation chain. Fraud prevention built in.
PlannedDesktop custom form conversion engine. Transforms .emfrm files to native web format — bringing your 107+ custom forms into the browser automatically.
ConvertingAutomated HMDA data collection and AUS finding integration. Reduces manual entry errors on the fields regulators scrutinize most.
PlannedWe ship continuously. Here's what's on the workbench for 2026.
48-panel web workbook with AI sidebar, dark mode, notes, status panel, field help, accessibility. Deployed to Azure Static Web Apps with 5-layer security.
Inline document management and borrower messaging via Azure Communication Services. Feature-gated by tier.
Workbook auto-detects logged-in user role and transforms layout, fields, validations, and SmartAdvisor guidance. Six role profiles: LO, Disclosure, Processor, Underwriter, Closer, Post-Close.
Complete reimagining of the desktop User Touches plugin. Real-time WebSocket dashboards, team aggregation, SLA alerts, and CSV/Excel export — all inside Encompass Web.
Borrower Summary, KPI Milestones, Role Assignment, Credit Info, Time Management — converted from desktop DLLs to web components running in the workbook.
Purpose-built workbooks beyond URLA — Lock Desk, Secondary Marketing, Compliance, Servicing Transfer — each with role-specific SmartAdvisor intelligence.
Book a 30-minute demo. We'll show you the URLA Workbook running live inside Encompass Web — including SmartAdvisor AI, User Touches history, and all six role views.