A complete Uniform Residential Loan Application form system
built natively for Encompass Web — now with real-time AI guidance
that catches errors before they reach underwriting.
38
Interactive Panels
831+
Bound Data Fields
5
URLA Sections
<2s
Load Time
✨
SmartAdvisor™ AI Sidebar
Azure OpenAI-powered AI analyzes the loan in real time and surfaces
actionable insights — DTI warnings, missing docs, credit concerns,
QM compliance flags — directly in the originator's workflow. Click any
field ID pill to navigate instantly to the issue.
DTI AnalysisAUS SimulationCredit RiskQM CheckConversational AI
▸ SmartAdvisor Analysis
⚠High DTI Warning
Back-end ratio is 48.2% — exceeds
conventional limit of 45%. Consider:
• Verify income field [910]
• Check for undisclosed debts
• Evaluate compensating factors
All 5 sections of the URLA across 38 accordion panels —
Borrower Info, Financial, Assets & Liabilities, Real Estate, and
Declarations. Every field uses SSF binding for real-time
Encompass sync.
📊
Real-Time Calculations
Built-in workflow engine computes LTV, CLTV, DTI ratios, monthly P&I,
housing ratios and runs AUS simulation — all client-side with zero
round-trips. Milestones track loan readiness in real time.
🔍
Smart Field Navigation
Find any field by ID, name, or emid — auto-opens the correct
accordion, scrolls to the field, and highlights it. AI buttons
navigate directly from insight cards to the problematic field.
🎨
Themes & Accessibility
Full dark mode & light mode with instant toggle.
WCAG-informed color contrast, keyboard navigation, field help tooltips,
and a complete accessibility toolkit built in.
☁
Azure Static Web Apps
Deployed to Azure SWA with CI/CD via Azure DevOps.
Custom domain ready. CSP headers, CORS configured. Works in Encompass
Web's iframe host with zero server infrastructure.
HTML5 / CSS3 / ES6
SSF Guest API
Azure OpenAI
Azure SWA
Playwright Tested
Zero Dependencies
🏠
Native Encompass Web Integration
Reads and writes loan data through ICE Mortgage Technology's SSF framework.
Field lock management, document viewer, and navigator — all connected.
