Generating and Uploading NMLS Mortgage Call Report Datahelp.elliemae.com/DocumentationLibrary/360/NMLS.pdf• Appendix B, “NMLS Data Report Calculations” lists each field in a

Generating and Uploading NMLS Mortgage Call Report DataStep-by-step instructions. Tips for getting the most from Encompass.

For use with Encompass Broker and Banker Editions

Last Revised: 04/25/2018

Copyright Statement© 2018 Ellie Mae, Inc. Ellie Mae®, Encompass®, Encompass360®, Encompass Compliance Service™, Ellie Mae Network™ and the Ellie Mae logo are trademarks or registered trademarks of Ellie Mae, Inc. or its subsidiaries. All rights reserved. Other company and product names may be trademarks of their respective owners. Products, services and programs are subject to change without notice.

Generating & Uploading NMLS Mortgage Call Report Data - Encompass Broker and Banker EditionsRev. 04/25/2018

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Table of Contents

Chapter 1: Introduction ................................................................ 1Chapter Descriptions ...................................................... 1

Getting Additional Help with Mortgage Call Reports .................... 1The Encompass Help Menu ............................................ 1NMLS Resource Center ................................................. 1

Chapter 2: Generating and Uploading Mortgage Call Report Data .................................................................................. 2

Mortgage Call Reports - A Quick Introduction .................... 2Who is Required to Submit a Mortgage Call Report? .......... 2

Prerequisites .......................................................................... 2Grant User Access to Generate NMLS Call Report

Data Feature .............................................................. 2Configure the NMLS Report Setup Setting ........................ 2Configure NMLS Channels Options .................................. 3

Recommended Workflow ......................................................... 3Step 1 - Collect the Required Data ................................... 3Step 2 - Generate Report Data in Excel Spreadsheet ......... 4Step 3 - Verify the Report Data (No Negative Loan Counts) 5Step 4 - Generate Report Data in XML, Upload to NMLS .... 5

Chapter 3: Frequently Asked Questions.................................. 7

Appendix A: Run a Report to Locate Missing NMLS Data .11

Appendix B: NMLS Data Report Calculations ...................... 13

Chapter 1

IntroductionThis guide contains the information you need to understand how to generate loan data that can be uploaded to the Nationwide Mortgage Licensing System (NMLS) and applied to a Mortgage Call Report.

NOTE: Your access to the features described in this guide depends on the settings in your User Profile as defined by your system administrator.

Chapter Descriptions• Chapter 2, “Generating and Uploading Mortgage Call Report Data”, provides

step-by-step instructions for gathering loan data required by NMLS and thengenerating an NMLS data report in Encompass. Once you verify that the data isaccurate, you can then upload this data to the Mortgage Call Report section ofthe NMLS website.

• Chapter 3, “Frequently Asked Questions”, provides common questions askedby Encompass users about generating data to apply to Mortgage Call Reports,with answers and recommendations from Encompass implementationspecialists and expert users.

• Appendix A, “Run a Report to Locate Missing NMLS Data” explains how to runa report in Encompass that can help ensure applicable loan files are not missing any data required for Mortgage Call Reports.

• Appendix B, “NMLS Data Report Calculations” lists each field in a Version 5NMLS data report that is created in Encompass and provides the calculation that is used to populate the fields.

Getting Additional Help with Mortgage Call ReportsMany additional resources are available to help you learn about Mortgage Call Reports and NMLS.

The Encompass Help MenuThe Help menu at the top of your Encompass window contains options that take you directly to the information you need. Each option is described here:

• Encompass HelpThe online help system provides comprehensive information, including detailedstep-by-step instructions for generating Mortgage Call Report data. You canalso open the online help by pressing the F1 key.

• Resource CenterThe Resource Center website contains a searchable database of how-to articles and problem solutions, as well as a user forum, and options for contacting oursupport team. To visit the Resource Center, click the Go to the ResourceCenter link on the Encompass Home Page.

NMLS Resource Center The NMLS Resource Center is the Nationwide Mortgage Licensing System & Registry’s (NMLS) official website and provides users with tools, tips, news, and updates. It is located here:

http://mortgage.nationwidelicensingsystem.org

Chapter 1: Introduction 1

http://mortgage.nationwidelicensingsystem.org

Chapter 2

Generating and Uploading Mortgage Call Report Data Encompass enables you to generate NMLS data reports that can be applied to Mortgage Call Reports when uploaded to the NMLS website.

Mortgage Call Reports - A Quick IntroductionAs described on the HUD website, the SAFE Mortgage Licensing Act was established in 2008 to “enhance consumer protection and reduce fraud by encouraging states to establish minimum standards for the licensing and registration of state-licensed mortgage loan originators and for the Conference of State Bank Supervisors (CSBS) and the American Association of Residential Mortgage Regulators (AARMR) to establish and maintain a nationwide mortgage licensing system and registry for the residential mortgage industry. The SAFE Act sets a minimum standard for licensing and registering mortgage loan originators”. The act was later updated to require licensed companies to file a Mortgage Call Report through the NMLS within 45 days of the end of each quarter. (Enforcement of this requirement began in May, 2011.) The report contains loan activity and financial condition details.

Who is Required to Submit a Mortgage Call Report? All state licensed companies and all state registered companies that employ licensed mortgage loan originators (MLOs) are required to submit a Mortgage Call Report. Most state agencies require that companies complete the Mortgage Call Report in behalf of their MLOs. (Foxx (Lenders Compliance Group), Mortgage Call Reports, 2, 2011)

Encompass provides the ability to collect much of the data required for these Mortgage Call Reports, however it is up to the individual generating the data to ensure its accuracy. They may also manually enter required data that is not available from Encompass loan files. It is important to note that although Encompass automates the collection of Mortgage Call Report data, a substantial amount of time may be required for an individual to research and collect loan data that is required by Encompass in order to generate accurate reports.

PrerequisitesThe Encompass system administrator can use tools in Encompass Settings to grant users access to the Generate NMLS Call Report feature based on persona, designate the field that will be used as the loan’s application date, and configure how Correspondent loans and loans without a loan channel selected are treated when generating NMLS Mortgage Call Report data.

Grant User Access to Generate NMLS Call Report Data FeatureAdministrators can use the Personas tool to grant users access to the Generate NMLS Report Data feature.

To Grant Access to the Generate NMLS Call Report Data Feature:1 On the menu bar, click Encompass, and then click Settings.

2 On the left panel, click Company/User Setup, and then click Personas.

3 In the left panel, select a persona.

4 Click the Pipeline tab.

5 In the Pipeline Tasks section, select the Generate NMLS Report check box.

6 Click the Save icon.

Configure the NMLS Report Setup SettingBy default, Encompass considers the 1003 Signature Date (field ID 3261) to be the loan's initial application date. When generating NMLS Mortgage Call Report data, the initial application date determines whether or not the loan file is included in the report (based on the time period the report is covering). Administrators can use the NMLS Report Setup tool to designate the date field that will be used as the initial application date.

To Set the Initial Application Date:1 On the menu bar, click Encompass, and then click Settings.

2 On the left panel, click Loan Setup, and then click NMLS Report Setup.

Chapter 2: Generating and Uploading Mortgage Call Report Data 2

3 Select each state in which your company is licensed and is required to submit an NMLS Mortgage Call Report.

• Click Check All to select every state in the list.

• Click Uncheck All to clear the check box for each state in the list.

NOTE: When generating an XML file version of the NMLS Call Report, the states selected here are the only states included in the report; in the Applications in Progress at the Beginning of the Period section of the NMLS Call Report window, only data entry fields for these states display and the drop-down list used to select states is disabled.

4 To change the initial application date used when including loans in NMLS reports, in the Reports Setting section, select a date from the Initial Application Date list. The option selected here determines the date that is populated to the Initial Application Date field in the NMLS Report Information quick entry window:

• 3261 - Date when the 1003 form was signed; this 1003 signature date optionis selected by default

• 3142 - GFE Application Date

• 745 - Application Date

• Other, and then select a date field from the fields in the Reporting Database.

5 To prevent NMLS Mortgage Call Reports from reflecting fees collected after credits to the borrower have been deducted, select Exclude Origination Credits from Fees Collected.

6 When finished, click the Save icon.

Configure NMLS Channels OptionsThe Channel Options tool 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 Configure NMLS Channels Options:1 On the menu bar, click Encompass, and then click Settings.

2 On the left panel, click Loan Setup, and then click Channel Options.

3 In the NMLS Channels Options section, select an option for Correspondent loans and loans without a channel selected.


NOTE: For more information about how the channel determines how the loan is categorized in the NMLS Mortgage Call Report data, refer to “How does Encompass categorize loan files as Brokered, Closed-Retail Application or Closed-Wholesale Application?” in Chapter 3, “Frequently Asked Questions”.

Recommended WorkflowThe following is the recommended workflow for collecting, generating, verifying, and uploading Mortgage Call Report data. Following this workflow should minimize common errors or roadblocks that can occur when generating loan data and uploading these reports to the NMLS website.

Step 1 - Collect the Required DataThe first step is to locate all loan applications that were in process during the quarter and year specified in the NMLS data report (i.e., the “Applications In Process at the Beginning of the Period”). Perform this step for each state in which your company is licensed.

Specifically, you need to determine the following for each state:

• The total number of applications that were in process at the beginning of thequarter and year covered in the report that were received from a Borrower, and

• The total dollar amount of these applications.

• The total number of applications that were in process at the beginning of thequarter and year covered in the report that were received from a Third Party, and

• The total dollar amount of these applications.

NOTE: You must determine which of your loan files are considered “Applications In Process at the Beginning of the Period” based on your company’s own classifications and business practices. For suggestions to locate or designate these types of loan files, refer to the “When I want to generate an NMLS data report for the first time, how do I determine which loan files are considered to be “Applications in Process at the Beginning of the Period”?” question in Chapter 3, “Frequently Asked Questions”.


Step 2 - Generate Report Data in Excel SpreadsheetIn Encompass, generate Mortgage Call Report data in a Microsoft Excel spreadsheet.

1 Click the Pipeline tab in Encompass, and then click the Pipeline menu.

2 Point to Compliance Services, and then click Generate NMLS Call Report. NOTE: Your system administrator controls who can access this feature based on persona, using the Personas tool in Encompass Settings.

The data for the report is pulled from the Reporting Database in Encompass. If any fields required for the report have not been added to the database, a pop-up window will ask you to contact the Encompass administrator. If necessary, ask your administrator to open the Reporting Database. Encompass will prompt the administrator to add the missing fields.

3 On the NMLS Call Report window, in the Report Options section, select an option from the Format drop-down list:

• Excel - Standard: Generate data for a Standard Mortgage Call Report inMicrosoft Excel format.

• Excel - Expanded: Generate data for an Expanded Mortgage Call Report inMicrosoft Excel format. The Expanded report is intended for companies thatare approved Fannie Mae or Freddie Mac Sellers/Servicers or are GinnieMae Issuers.

• XML - Standard: Generate data for a Standard Mortgage Call Report in XML.

• XML - Expanded: Generate data for an Expanded Mortgage Call Report inXML format. The Expanded report is intended for companies that areapproved Fannie Mae or Freddie Mac Sellers/Servicers or are Ginnie MaeIssuers.

NOTE: Typically, the XML format is used when generating data for all states in which the company is licensed. The administrator must specify these states using the NMLS Report Setup tool in Encompass Settings. For detailed information, refer to “Configure the NMLS Report Setup Setting” on page 2.

4 Select the time period for the report (a year or three-month period, followed by the specific year).

NOTE: By default, the Initial Application Date (field ID 3261; 1003 Signature Date) determines whether a loan file is included in a report for a specified time period. Your administrator can use the NMLS Report Setup tool to designate another date field to be used as the Initial Application Date.

5 Select a Version. The versions below are selected by default based on the filing period:

• Version 1 is selected by default for the period prior to April 1, 2012.

• Version 2 is selected by default for periods from April 1, 2012 toDecember 31, 2013.

• Version 3 is selected by default for periods on or after January 1, 2014.

• Version 4 is selected by default for periods on or after April 1, 2015.


6 If exporting to Microsoft Excel, in the State(s) list, select All or select a state as needed.

7 In the Loan Folders section, select one or more loan folders to include in the report.

8 In the Applications in Process at the Beginning of the Period section, enter the number of loan applications that were in process from borrowers and from third parties at the beginning of the period covered by the report (in the appropriate Count field), and then enter the total dollar amount for borrower and third party loans (in the appropriate Amount field).

• This is the information you collected in Step 1 of this workflow.

• If exporting in XML format, enter the information for each state in which thecompany is licensed.

NOTE: Failure to enter this data may result in an Invalid MCR Schema error when you are uploading this report data to the NMLS website.

9 Click Generate.

The data for the report is pulled from the Reporting Database in Encompass. If your Encompass administrator did not add the required fields to the database in Step 2 above, a pop-up window asks you to contact the administrator.

10 If all the fields required for the report have already been added to the Reporting Database, a navigation window enables you to select the location where you want to store the Excel spreadsheet.

11 If required NMLS data is missing from one or more loan files in the report (or if the data is invalid), a pop-up warning displays. Click Yes to generate an error report in an Excel spreadsheet that lists the missing data and a list of fields that are missing in each loan.


• If you click Yes, a navigation window allows you to select the location where you want to store the Excel spreadsheet.

NOTE: The data in each loan file that will be used when generating NMLS Call Reports can be accessed form the HMDA Information form within the loan file. Click the NMLS Info button to open the NMLS Report Information quick entry window, where you can view or edit the NMLS data for the loan.

Step 3 - Verify the Report Data (No Negative Loan Counts)Now you can review the data provided in the Excel spreadsheet and look for discrepancies, missing data, or other potential issues such as negative numbers.

Line AC080 - Applications in Process at the End of the PeriodWhen reviewing the loan data, it is important to verify that line AC080 in the Application Data section of the report does not contain a negative number. NMLS does not accept negative numbers in this field. If you submit this data to NMLS with a negative number, you will receive an Invalid MCR Schema error.

Why do I have a negative number here?

A negative number will display on line AC080 if you did not enter the number of loan applications that were in process from borrowers and from third parties at the beginning of the period covered by the report as instructed in the Step 2 - Generate Report Data in Excel Spreadsheet section of this workflow. (A negative number occurs if you did not enter the total dollar amount for borrower and third party loans as well.)

• A negative number will also display on line AC080 if you enter zero (‘0’) in the Amount or Count fields on line AC010 of the report.

• If the number on line AC080 (or any other line in the report) is in parentheses, it is a negative number.

If a negative number occurs, return to Encompass and enter the values for the Applications In Process at the Beginning of the Period (as instructed in Step 2 of this workflow), and then regenerate the report data.

Run a Report to Locate Missing DataIf you come across missing data or other issues during your review, you may want to run a report using the Reports tool in Encompass to help you locate loans that are missing data.

NOTE: Set up the report to include each field that will be used when generating an NMLS data report. (For step-by-step instructions, refer to Appendix A, “Run a Report to Locate Missing NMLS Data”.) To view these fields, open the HMDA Information form within the loan file, and then click the NMLS Info button to open the NMLS Report Information quick entry window.

For example, if the Count numbers in the Property Type section of the report (lines AC200, AC210, AC220) seem low, run a report in Encompass that includes the Subject Property Type field (field ID 728). Then you will be able to identify loans where the Subject Property type has not been indicated. Open these loan files, select the Subject Property type, and then save the loans. Generate a new NMLS data report in Excel format and verify that the Count numbers in the Property Type section of the report are accurate.

Step 4 - Generate Report Data in XML, Upload to NMLSOnce the report data has been verified and licensed states identified, generate an NMLS data report in XML format. You can then upload the XML file to the NMLS website.

To Generate the Report Data in XML:1 Click the Pipeline tab in Encompass, and then click the Pipeline menu.

2 Point to Compliance Services, then click Generate NMLS Call Report.3 On the NMLS Call Report window, in the Report Options section, select XML -

Standard or XML - Expanded from the Format drop-down list:

• XML - Standard: Generate data for a Standard Mortgage Call Report in XML.

• XML - Expanded: Generate data for an Expanded Mortgage Call Report in XML format. The Expanded report is intended for companies that are approved Fannie Mae or Freddie Mac Sellers/Servicers or are Ginnie Mae Issuers.

NOTE: Typically, the XML format is used when generating data for all states in which the company is licensed. The administrator must specify these states using the NMLS Report Setup tool in Encompass Settings.

4 Select the time period for the report (a year or three-month period, followed by the specific year).


5 Select a Version. The versions below are selected by default based on thefiling period:

• Version 1 is selected by default for the period prior to April 1, 2012.





6 In the Loan Folders section, select one or more loan folders to include in the report.

7 In the Applications in Process at the Beginning of the Period section, enter the number of loan applications that were in process from borrowers and from third parties at the beginning of the period covered by the report (in the appropriate Count field), and then enter the total dollar amount for borrower and third party loans.

• This is the information you entered in “Step 1 - Collect the Required Data” onpage 3.

NOTE: Failure to enter this data may result in an Invalid MCR Schema error when you are uploading this report data to the NMLS website.

8 Click Generate.

9 A navigation window allows you to select the location where you want to store the XML file.

10 Open the file and manually enter any additional data as needed.

To Upload the XML File to the NMLS Website:1 Visit the NMLS Resource Center website at:

http://mortgage.nationwidelicensingsystem.org2 Log into the site and then follow the instructions to upload the XML file to the

website.

NOTE: At any time you can correct or modify loan data in Encompass, and then repeat this workflow to overwrite the current report on the NMLS website.


Chapter 3

Frequently Asked QuestionsThis chapter features a collection of common questions from current Encompass users regarding Mortgage Call Reports and generating data for these reports. Here you can quickly find detailed explanations, tips, and answers that can help you get over common speed bumps that can pop up when generating Mortgage Call Report data and when uploading the data to the NMLS website. Answers include practical examples and expert advice from expert Encompass users, implementation specialists, programmers, and designers.

When I want to generate an NMLS data report for the first time, how do I determine which loan files are considered to be “Applications in Process at the Beginning of the Period”?You must designate which loan files are “Applications in Process at the Beginning of the Period” based on your company’s own classifications and business practices. Ellie Mae Customer Support representatives cannot make this determination for you.

One method to locate these loan files (once your criteria for a loan that is “in process” is established), may be to run a report using the Reports tool in Encompass. Here is an example of a report you can run to help identify loans that were “in process” at the beginning of the first quarter in January, 2015:

NOTE: After you generate an NMLS data report for the first time, lines AC010 and AC080 of the report are populated automatically. Therefore, when the next quarter (and subsequent quarters) ends and you need to generate a new NMLS data report, you will not need to manually collect and enter this data again.

WARNING: These steps provide instructions for creating a report, however this is only a suggested method. The filter you apply to the report in order to designate loan files that are “in process” must be created by you. Ellie Mae cannot guarantee NMLS will agree with your designations.

To Run a Report to Identify In Process Loans:1 In Encompass, click the Reports tab.

2 Click the New icon.

3 In the list of reports area, type a report title. The title displays above the tabs in the right panel.

4 On the Reports tab, locate the Data Source section and select Loans.

5 Select Table from the Report Type drop-down list.

6 Click the Save icon to save your changes.

7 Click the Fields tab.

8 Ensure the Use fields from the Reporting Database for better performance check box at the bottom of the screen is selected.

9 Click the New icon to open the Field Properties window.

10 Select the Encompass Field option.

11 The first fields to add are the borrower’s first and last name (field IDs 4000, 4002). To enter the field ID for a field, click the Find icon (magnifying glass). On the Select Field window, enter the field ID or the field name in the text box at the top, and then click Find. Click to select the field in the list and click OK.

• You can also type one or more characters and click Find. The firstoccurrence of the characters in any column is found.

12 Click OK to close the Field Properties window.

13 After adding the Borrower First Name, repeat steps 9 - 12 to add the Borrower Last Name.

14 Next, add the Subject Property State field (field ID 14).

• When setting the field properties, set the Sorting Order to Ascending and set the Summary Type to Group.

Chapter 3: Frequently Asked Questions 7

15 Add the Total Loan Amount field (field ID 2).

• When setting the field properties, set the Summary Type to Total and set thethe Number of Decimal Places to zero (‘0’).

16 Click the Milestones tab, and then select an option to determine the loans to include in the report based on milestone.

17 Click the Folders tab, and then select the loan folders to include in the report.

18 Click the Filters tab, and then click the New icon.

19 Create a filter to apply to the report that includes loans where the:

• Application Date occurs before 01/01/2015 and

• Current Status Date is on or after 01/01/2015 and

• Current Loan Status is not Active Loan (These are loan where the loan status was Active Loan at the beginning of the first quarter, but was later updated toa new status.) or

• Current Loan Status is Active Loan.

20 Click the Generate button to run the report.

The resulting Excel spreadsheet will list each applicable loan, grouped by state, and the total sum value (dollar amount) of loans that were “in process” at the beginning of the first quarter of 2015.

• This report does not distinguish between loans received through a wholesale (third party) channel or retail (borrower) channel. If your company hasreceived loans through a wholesale channel during the quarter, add anadditional filter that groups loans according to the value in the loan’s Channel field (field ID 2626). For example, if you set up the filter to include loanswhere the Channel field is set to Banked - Wholesale, these types of loanswill be grouped together and represent the total number of applications thatwere in process at the beginning of the quarter and year covered in the report and were received from a third party.

WARNING: Again, these steps have provided instructions for creating a report, however this is only a suggested method. The filter you apply to the report in order to designate loan files that are “in process” must be created by you. Ellie Mae cannot guarantee NMLS will agree with your designations.

When I try to upload my XML file to the NMLS website, why am I receiving an Invalid MCR Schema error? This error occurs when a negative number is entered on line AC080 (Applications in Process at the End of the Period) of the NMLS data report. A negative number occurs here when zero (‘0’) is entered on line AC010 (Applications In Process at the Beginning of the Period) or if the number entered on line AC010 is too low.

For instructions that may resolve this issue, refer to “Step 2 - Generate Report Data in Excel Spreadsheet” on page 4.

How are the values in the NMLS data report calculated?Refer to Appendix B, “NMLS Data Report Calculations” to view a list of each field in an NMLS data report and how each field’s value is calculated.

You can also view an Excel spreadsheet version of an NMLS data report where each calculation field (in Section I and Section II) has a comment to explain the calculation. (Hover the mouse pointer over the fields denoted by a red triangle in the upper-right corner to reveal the pop-up comment window.) This spreadsheet is located here:

Version 1 (report period selected by default for the period prior to April 1, 2011): http://help.elliemae.com/DocumentationLibrary/360/NMLSReportcalc.xls

Version 2 (report period selected by default for periods on or after April 1, 2012): http://help.elliemae.com/DocumentationLibrary/360/NMLSReportcalcv2.xls

Version 4 - (report period selected by default for periods on or after April 1, 2015): http://help.elliemae.com/DocumentationLibrary/360/NMLSReportcalcv4.xls

Version 4 - (report period selected by default for periods on or after January 1, 2016):http://help.elliemae.com/DocumentationLibrary/360/NMLSReportcalcv5.xls

Why is the number of loans included in the NMLS data report so low?When you view the NMLS data report you may find that many loan files are missing or haven’t been included in the report. Loans will be excluded from the report if they are missing data required by NMLS.

NOTE: If the Exclude this Loan from the NMLS Report check box (field ID NMLS.X15) is selected in a loan file, the loan will not be included in the report. This check box is available in the NMLS Report Information Quick Entry window. To access the NMLS Report Information Quick Entry window, open the HMDA Information input form in a loan file, and then click the NMLS Info button provided on the form.


http://help.elliemae.com/DocumentationLibrary/360/NMLSReportcalc.xls

http://help.elliemae.com/DocumentationLibrary/360/NMLSReportcalcv2.xls


http://help.elliemae.com/GA/NMLS_field_list5.html

One method for locating loans with missing data is to create a report using the Reports tool ion Encompass that includes each field that is required in a Mortgage Call Report. (For step-by-step instructions, refer to Appendix A, “Run a Report to Locate Missing NMLS Data”.)

To View the Required NMLS Fields:

1 Open a loan file in Encompass, and then click the Forms tab.

2 Click HMDA Information.

3 Click the NMLS Info button to open the NMLS Report Information quick entry window. Every field in this window is required by NMLS.

NOTE: For Standard reports, only the fields in Section I are required. For Expanded reports, the fields in Section I and Section II are required.

Why are loans not being included in the Closed Loan Data section of the NMLS report?In order for a loan to be included in the Closed Loan Data section of the NMLS data report, the Current Status field (field ID 1393) on the Borrower Summary form must be set to Loan Originated and the Date (field ID 749) on the Borrower Summary must fall within the quarter and year specified in the report.

How does Encompass categorize loan files as Brokered, Closed-Retail Application or Closed-Wholesale Application?The Closed Loan Data section of the report features three categories for loan files: Brokered, Closed-Retail Application, and Closed-Wholesale Application. When generating an NMLS data report, Encompass determines the category in which the loan file is placed based on the Channel type (field ID 2626) selected at the top of the Borrower Summary form. For example, if the Brokered channel is selected, the loan is placed in the Brokered category, and so on.

Channel Options SettingThe Encompass administrator can use the Channel Options tool in Encompass Settings to indicate the options available on the Channel list (field ID 2626) on the Borrower Summary form and to configure how NMLS data reports will handle certain types of loans. The option selected on the Borrower Summary indicates how your company is handling a specific loan, such as Brokered or Banked. The NMLS Channels Options section includes two drop-down lists that allow administrators to configure how NMLS data reports will handle Correspondent loans and loans that do not have a Channel option selected.

To Select Channel Options and Configure NMLS Options:1 On the menu bar, click Encompass, and then click Settings.

2 On the left panel, click Loan Setup, and then click Channel Options.

3 On the Channel Options tool, all four options are selected by default. Clear the check boxes for the options that will NOT be available for selection on the Borrower Summary form.

4 In the NMLS Options section, select an option from the drop-down list for each loan type.


NOTE: These settings affect the Closed Loan Data section of the Standard NMLS data report only. Data in lines I210 - I230 in Section II of Expanded NMLS data reports must be entered manually.

When I select a Channel type on the Borrower Summary, why is it showing as Retail in the Lender/Bank Channel field on the NMLS Report Information quick entry window? The Lender/Bank Channel field (field ID 3332) on the NMLS Report Information screen is intended for use by wholesale bankers only to show through which channel the loan was received: Retail, Wholesale Banker, or Wholesale Correspondent. The table below shows how the Lender/Banker Channel field is populated (by default) based on the Channel (field 2626) selected on the Borrower Summary.

When the Banked - Wholesale channel is selected, you can select the appropriate channel from the Lender/Bank Channel drop-down list. When any other channel types are selected on the Borrower Summary, it is assumed the loan was received through the bank’s Retail channel. Therefore the field is populated with Retail. Authorized users can click the Lock icon for the Lender/Bank Channel field to manually select a channel option and override the default value in the field.

NOTE: To view the NMLS Report Information quick entry window, open the HMDA Information form within the loan file, and then click the NMLS Info button.

Channel Type Selected Lender/Banker Channel Field

No channel selected. [Field is blank.] (cannot be edited)

Banked - Retail Retail (cannot be edited)

Banked - Wholesale [Field is blank.] (may be edited)

Brokered Retail (cannot be edited)

Correspondent Retail (cannot be edited)


Why isn’t data being generated for the Lines of Credit at Period End and all of Section III?The LINES OF CREDIT AT PERIOD END section and all of the fields in Section III of the NMLS data report are not calculated because Encompass loan files do not provide this data. These fields are included in the report because they are required by NMLS, but you must use another application to gather this data or manually enter it on the Excel spreadsheet or XML file before uploading the data to the NMLS website.

Why does Encompass not support the new Gross Revenue from Operation field?The field definition for Gross Revenue from Operations states “All revenue from whatever source received by your company on loans originated in this state during the reporting period before any expenses are deducted. Include gross revenue from sales or mortgages at or subsequent to closing.” This indicates that the requirement is to captured not only fees collected at or before closing, but also revenues generated from sales of loans on the secondary market aside from losses incurred at or after point of sale. There is currently no standard support for capturing total loan revenue on an individual file basis in Encompass. Additionally, any attempt to capture and report this information without guidance from a customer’s secondary marketing and accounting departments would result in an increased risk of inaccurate filings. We recommend that MCR filers coordinate with their secondary and accounting departments on how to aggregate and report gross operational revenues within the MCR filing.

What format should I use for the NMLS Data Report: Excel or XML?When setting up the NMLS data report in Encompass, select the Excel format when you want to generate a report, review the report data, and search for potential problems, such as a negative number in line AC080 (Applications in Process at the End of the Period). You can also generate an Excel version at the end of each quarter and save it on your computer to keep a record of your NMLS data reports.

Once you are satisfied the report data is accurate, select the XML format when generating an NMLS data report. When uploading your report data to the NMLS website, it must be uploaded in XML format.

NOTE: When choosing between the Standard or Expanded format options, note that the Expanded report is intended only for companies that are approved Fannie Mae or Freddie Mac Sellers/Servicers or are Ginnie Mae Issuers.

Why are some fields on the NMLS Report Information quick entry window always blank? The following fields on the NMLS Report Information quick entry window require data to be added manually since there are no other fields in Encompass that contain this data or satisfies NMLS requirements:

• Repurchase Date (field ID 3312)

• Repurchase Cost (field ID 3313)

• Loan Production (field ID NMLS.X7)

• Servicing Released (field ID 3338)

• Date Warehoused (field ID 3341)

• Date Sold (field ID 3337)


Appendix A

Run a Report to Locate Missing NMLS DataIf you come across missing data or other issues during your review of an NMLS data report, you may want to run a report using the Reports tool in Encompass to help you locate loans that are missing data.

Follow these instructions to set up the report to include each field that is required by Mortgage Call Reports and are used when generating NMLS data reports in Encompass. Then run the report to identify the loans where data is missing from these fields.

NOTE: To view these required fields, open the HMDA Information form within the loan file, and then click the NMLS Info button to open the NMLS Report Information quick entry window.

To Run a Report for Missing NMLS Data:1 In Encompass, click the Reports tab.

2 Click the New icon.

3 In the list of reports area, type a report title. The title displays above the tabs in the right panel.

4 On the Report tab, locate the Data Source section and select Loans.

• Select Internal Organization to create a report on loans originated in Encompass; or select TPO to create a report on loans submitted by TPO contacts.

5 Select Table from the Report Type drop-down list.

6 Click the Save icon to save your changes.

7 Click the Fields tab.

8 Ensure the Use fields from the Reporting Database for better performance check box at the bottom of the screen is selected.

9 Click the New icon to open the Field Properties window.

10 Select the Encompass Field option.

11 The first field to add is the 1003 Signature Date (field ID 3261). To enter the field ID for this field, click the Find icon (magnifying glass). On the Select Field window, enter the field ID or the field name in the text box at the top, and then click Find. Click to select the field in the list, and then click OK.

• You can also type one or more characters and click Find. The first occurrence of the characters in any column is found.

.

12 Click OK to close the Field Properties window.

NOTE: You can ignore the remaining items in the Field Properties window (Borrower Pair, Sorting Order, etc.).

13 Repeat steps 9-12 to add the remaining fields to the report:

Section I Fields (Field ID)

Action Taken (1393) Property Will Be (1811)

Action Date (749) Loan Originator’s Name (1612)

Loan Purpose (384) NMLS Originator ID (3238)

Loan Type (1172) Total Broker Fees (3310)

HOEPA Status (HMDA.X13) Total Lender Fees (3311)

Lien Status (HMDA.X17) Repurchase Date (3312)

Property Type (NMLS.X16) Repurchase Cost (3313)

Appendix A: Run a Report to Locate Missing NMLS Data 11

NOTE: In addition to the Section I fields, the fields below are required when generating an NMLS data report in Expanded format. Expanded reports are intended only for companies that are approved Fannie Mae or Freddie Mac Sellers/Servicers or are Ginnie Mae Issuers.

In addition to the required NMLS fields, add identifier fields so you will be able to identify the loan in the report.

NOTE: The data on your report is collected only from loans available in your Pipeline and depends on your access to the loan files, as well as the criteria you select when you define the report. Your ability to access loans assigned to other users is based on your position in the organization hierarchy and User Group settings. Your report will include loans assigned to you, and loans of users directly below you in the hierarchy.

14 Click the Milestones tab, and then select Include all loan files without regard to milestone.

15 Click the Folders tab, select Select loan folders manually, and then select the loan folders to include in the report.

16 Click the Filters tab, and then click the New icon.

17 Create a filter to apply to the report that includes loans where the:

• Current Loan Status field (field ID 1393) equals Loan Originated

• Current Status Date (field ID 749) occurs between 01/01/2016 and 03/31/2016.

18 Click the Generate button to run the report.

The resulting Excel spreadsheet will list each loan that matches the loan criteria you entered. (You can identify each loan based on loan number, borrower name, or other identifying fields you added in step 13.) Search each column (GFE Application Date, Action Taken, Property Will Be, etc.) in the spreadsheet for empty cells. If a cell is empty, it means the data is missing from the loan file. You can then open the loan file and enter the missing data.

NOTE: When a calculation field (such as NMLS Loan Type (field ID NMLS.X1)) is added to Encompass as part of a new release or hot update, the field will not be included in loan files that existed (i.e., files that were created and saved) prior to the new release or hot update. Therefore, when you generate NMLS report data or run a report to locate loans with missing data, you may find that these types of loan files are missing this data. In order to include these types of calculation fields in these types of loans, you must open the loan file and then save it. When you save the loan Encompass automatically adds the field and calculates its value based on data in other Encompass fields.

Additional Section II Fields (Field ID)

NMLS Loan Type (NMLS.X1) Option ARM (NMLS.X4)

First Mortgage Type (NMLS.X2) Interest Only (1177)

Piggyback/HELOC (NMLS.X5) Pre-payment Penalty (675)

Conforming/Jumbo (3331) LTV (353)

Occupancy (3335) CLTV (976)

Documentation Type (NMLS.X3) Lender/Bank Channel (3332)

Purpose of Refinance (NMLS.X6) Loan Production (NMLS.X7)

Mortgage Insurance (3336) Servicing Released (3338)

FICO Score (VASUMM.X23) Date Warehoused (3341)

Amortization (608) Date Sold (3337)

Borrower First Name (4000)

Borrower Last Name (4002)

Loan # (364)

Appendix A: Run a Report to Locate Missing NMLS Data 12

Appendix B

NMLS Data Report CalculationsThis Appendix lists each field listed in a Version 4 NMLS data report and shows how the results of each field are calculated.

You can also view an Excel spreadsheet version of an NMLS data report, where each calculation field (in Section I and Section II) has a comment to explain the calculation. (Hover the mouse pointer over the fields denoted by a red triangle in the upper-right corner to reveal the pop-up comment window.) This spreadsheet is located here:

Version 1 (report period selected by default for the period prior to April 1, 2011):http://help.elliemae.com/DocumentationLibrary/360/NMLSReportcalc.xls

Version 2 (report period selected by default for periods on or after April 1, 2012): http://help.elliemae.com/DocumentationLibrary/360/NMLSReportcalcv2.xls

Version 4 - (report period selected by default for periods on or after April 1, 2015):http://help.elliemae.com/DocumentationLibrary/360/NMLSReportcalcv4.xls

Version 5 - (report period selected by default for periods on or after January 1, 2016):http://help.elliemae.com/GA/NMLS_field_list5.html

RMLA Section I

Field Cell Description How the Data is Calculated

AC010 C6 Applications in Process at the Beginning of the Period

The value in this field is from the “Application in Process at the Beginning of the Period” section on the NMLS Call Report screen (just above the Generate button) that displays when you click Pipeline > Generate NMLS Call Report. This value may be carried over from the “Applications in Process at the End of the Period” from prior filing periods.

D6 Applications in Process at the Beginning of the Period

The value in this field is fom the “Application in Process at the Beginning of the Period” section on the NMLS Call Report screen (just above the Generate button).This value may be carried over from the “Applications in Process at the End of the Period” from prior filing periods.

F6 Applications in Process at the Beginning of the Period

The value in this field is from the “Application in Process at the Beginning of the Period” section on the NMLS Call Report screen (just above the Generate button). This value may be carried over from the “Applications in Process at the End of the Period” from prior filing periods.

G6 Applications in Process at the Beginning of the Period

The value in this field is from the “Application in Process at the Beginning of the Period” section on the NMLS Call Report screen

Appendix B: NMLS Data Report Calculations 13

http://help.elliemae.com/GA/NMLS_field_list5.html

http://help.elliemae.com/DocumentationLibrary/360/NMLSReportcalc.xls



AC020 C7 Applications Received The sum of the initial loan application amount (field ID NMLS.X11) for all loans where the Initial Application Date (field ID 3261; unless otherwise stated under Encompass Settings > Loan Setup > NMLS Report Setup) is within the report period and the Channel (field ID 2626) is Brokered or Banked - Retail.When the Current Status (field ID 1393) for the loan is Application denied the Action Date (field ID 749) is used.

D7 Applications Received The total count of loans where the Initial Application Date (field ID 3261; unless otherwise stated under Encompass Settings > Loan Setup > NMLS Report Setup) is within the report period and the Channel (field ID 2626) is Brokered or Banked - Retail.When the Current Status (field ID 1393) for the loan is Application denied the Action Date (field ID 749) is used.

F7 Applications Received The sum of the initial loan application amount (field ID NMLS.X11) for all loans where the Initial Application Date (field ID 3261; unless otherwise stated under Encompass Settings > Loan Setup > NMLS Report Setup) is within the report period and the Channel (field ID 2626) is Banked - Wholesale.When the Current Status (field ID 1393) for the loan is Application denied the Action Date (field ID 749) is used.

G7 Applications Received The total count of the loan where the Initial Application Date (field ID 3261; unless otherwise stated under Encompass Settings > Loan Setup > NMLS Report Setup) is within the report period and the Channel (field ID 2626) is Banked - Wholesale.

AC030 C8 Applications Approved but not Accepted The sum of the initial loan application amount (field ID NMLS.X11) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered or Banked - Retail and the Current Status (field ID 1393) is Application Approved but not accepted

D8 Applications Approved but not Accepted The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered or Banked - Retail and the Current Status (field ID 1393) is Application Approved but not accepted

F8 Applications Approved but not Accepted The sum of the initial loan application amount (field ID NMLS.X11) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered or Banked - Wholesale and the Current Status (field ID 1393) is Application Approved but not accepted

G8 Applications Approved but not Accepted The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Current Status (field ID 1393) is Application Approved but not accepted



AC040 C9 Applications Denied The sum of the initial loan application amount (field ID NMLS.X11) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered or Banked - Retail and the Current Status (field ID 1393) is Application Denied

D9 Applications Denied The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered or Banked - Retail and the Current Status (field ID 1393) is Application Denied

F9 Applications Denied The sum of the initial loan application amount (field ID NMLS.X11) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Current Status (field ID 1393) is Application Denied

G9 Applications Denied The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Current Status (field ID 1393) is Application Denied

AC050 C10 Applications Withdrawn The sum of the initial loan application amount (field ID NMLS.X11) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered or Banked - Retail and the Current Status (field ID 1393) is Application Withdrawn

D10 Applications Withdrawn The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered or Banked - Retail and the Current Status (field ID 1393) is Application Withdrawn

F10 Applications Withdrawn The sum of the initial loan application amount (field ID NMLS.X11) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Current Status (field ID 1393) is Application Withdrawn

G10 Applications Withdrawn The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Current Status (field ID 1393) is Application Withdrawn

AC060 C11 File Closed for Incompleteness The sum of the initial loan application amount (field ID NMLS.X11) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered or Banked - Retail and the Current Status (field ID 1393) is File Closed for incompleteness

D11 File Closed for Incompleteness The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered or Banked - Retail and the Current Status (field ID 1393) is File Closed for incompleteness

F11 File Closed for Incompleteness The sum of the initial loan application amount (field ID NMLS.X11) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Current Status (field ID 1393) is File Closed for incompleteness

G11 File Closed for Incompleteness The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Current Status (field ID 1393) is File Closed for incompleteness



AC062 C12 Pre-Approval Requests Denied For preapproval requests received directly from borrowers, the sum of the initial loan application amount (field ID NMLS.X11) for all loans that have been denied. Loans are included in the sum total if the action date (field ID 749) is within the report period and the Channel (field ID 2626) is Brokered or Banked -Retail, and the Current Status (field ID 1393) is Preapproval request denied by financial institution.

D12 Pre-Approval Requests Denied For preapproval requests received directly from borrowers, the total number of loans that have been denied. Loans are included in the total number if the action date (field ID 749) is within the report period and the Channel (field ID 2626) is Brokered or Banked -Retail, and the Current Status (field ID 1393) is Preapproval request denied by financial institution.

F12 Pre-Approval Requests Denied For preapproval requests received from third parties, the initial loan application amount (field ID NMLS.X11) for all loans that have been denied. Loans are included in the report if the action date (field ID 749) is within the selected reporting period and the Channel (field ID 2626) is Banked - Wholesale, and the Current Status (field ID 1393) is Preapproval request denied by financial institution.

G12 Pre-Approval Requests Denied For preapproval requests received from third parties, the total count of loans that have been denied. Loans are included in the report if he action date (field ID 749) is within the selected reporting period and the Channel (field ID 2626) is Banked - Wholesale, and the Current Status (field ID 1393) is Preapproval request denied by financial institution.



AC064 C13 Pre-Approval Requests Approved but Not Accepted

For loans received directly from borrowers, the sum of the initial loan application amount (field ID NMLS.X11) for all loans that have been approved but not accepted. Loans are included in the report if the action date (field ID 749) is within the selected reporting period and the Channel (field ID 2626) is Brokered or Banked - Retail, and the Current Status (field ID 1393) is Preapproval request approved but not accepted.

D13 Pre-Approval Requests Approved but Not Accepted

For loans received directly from borrowers, the total count of loans that have been approved but not accepted. Loans are included in the report if the action date (field ID 749) is within the selected reporting period and the Channel (field ID 2626) is Brokered or Banked - Retail, and the Current Status (field ID 1393) is Preapproval request approved but not accepted.

F13 Pre-Approval Requests Approved but Not Accepted

For loans received from third parties, the sum of the initial loan application amount (field ID NMLS.X11) for all loans that have been approved but not accepted. Loans are included in the report if the action date (field ID 749) is within the selected reporting period and the Channel (field ID 2626) is Banked - Wholesale, and the Current Status (field ID 1393) is Preapproval request approved but not accepted.

G13 Pre-Approval Requests Approved but Not Accepted

For loans received from third parties, the total count of loans that have been approved but not accepted. Loans are included in the report if the change date (field ID 749) is within the selected reporting period and the Channel (field ID 2626) is Banked - Wholesale, and the Current Status (field ID 1393) is Preapproval request approved but not accepted.

AC065 C14 Net Changes in Application Amount The sum of the net (initial and final) loan amounts (field ID NMLS.X12) from the NMLS Report Information screen for all loans where either the Initial Application Date (field ID 3261) or the action date (field ID 749) is within the reporting period and where the Channel (field ID 2626) is Brokered or Banked -Retail.

F14 Net Changes in Application Amount The sum of the net (initial and final) loan amounts (field ID NMLS.X12) from the NMLS Report Information screen for all loans where either the Initial Application Date (field ID 3261) or the action date (field ID 749) is within the reporting period and where the Channel (field ID 2626) is Banked - Wholesale.

AC066 C15 Total Application Pipeline The sum of row AC010 + row AC030 + the sum of rows AC030 through AC064 + AC065

D15 Total Application Pipeline The sum of row AC010 + row AC030 + the sum of rows AC030 through AC064 + AC065

F15 Total Application Pipeline The sum of row AC010 + row AC030 + the sum of rows AC030 through AC064 + AC065

G15 Total Application Pipeline The sum of row AC010 + row AC030 + the sum of rows AC030 through AC064 + AC065



AC070 C18 Loans Closed and Funded The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered or Banked - Retail and the Current Status (field ID 1393) is Loan Originated.

D18 Loans Closed and Funded The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered or Banked - Retail and the Current Status (field ID 1393) is Loan Originated.

F18 Loans Closed and Funded The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Current Status (field ID 1393) is Loan Originated

G18 Loans Closed and Funded The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Current Status (field ID 1393) is Loan Originated

AC080 C19 Applications in Process at the End of the Period

The calculation is the sum of AC010 + AC020 - the sum of AC030 through AC065. A negative result would be indicative of having more loans dispositioned within the period than the number of applications received and/or in existence at the beginning of the period.

D19 Applications in Process at the End of the Period


F19 Applications in Process at the End of the Period


G19 Applications in Process at the End of the Period


AC090 C20 Total Application Pipeline Results The sum of rows AC070 to AC080.

D20 Total Application Pipeline Results The sum of rows AC070 to AC080.

F20 Total Application Pipeline Results The sum of rows AC070 to AC080.

G20 Total Application Pipeline Results The sum of rows AC070 to AC080.



AC100 C26 Conventional The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Loan Type (field ID 1172) is Conventional.

D26 Conventional The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Loan Type (field ID 1172) is Conventional.

F26 Conventional The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Loan Type (field ID 1172) is Conventional.

G26 Conventional The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Loan Type (field ID 1172) is Conventional.

I26 Conventional The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Loan Type (field ID 1172) is Conventional.

J26 Conventional The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Loan Type (field ID 1172) is Conventional.

AC110 C27 FHA-Insured The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Loan Type (field ID 1172) is FHA.

D27 FHA-Insured The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Loan Type (field ID 1172) is FHA.

F27 FHA-Insured The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Loan Type (field ID 1172) is FHA.

G27 FHA-Insured The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Loan Type (field ID 1172) is FHA.

I27 FHA-Insured The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Loan Type (field ID 1172) is FHA.

J27 FHA-Insured The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Loan Type (field ID 1172) is FHA.



AC120 C28 VA-guaranteed The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Loan Type (field ID 1172) is VA.

D28 VA-guaranteed The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Loan Type (field ID 1172) is VA.

F28 VA-guaranteed The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Loan Type (field ID 1172) is VA.

G28 VA-guaranteed The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Loan Type (field ID 1172) is VA.

I28 VA-guaranteed The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Loan Type (field ID 1172) is VA.

J28 VA-guaranteed The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Loan Type (field ID 1172) is VA.

AC130 C29 FSA/RHS-guaranteed The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Loan Type (field ID 1172) is USDA-RHS.

D29 FSA/RHS-guaranteed The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Loan Type (field ID 1172) is USDA-RHS.

F29 FSA/RHS-guaranteed The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Loan Type (field ID 1172) is USDA-RHS.

G29 FSA/RHS-guaranteed The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Loan Type (field ID 1172) is USDA-RHS.

I29 FSA/RHS-guaranteed The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Loan Type (field ID 1172) is USDA-RHS.

J29 FSA/RHS-guaranteed The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Loan Type (field ID 1172) is USDA-RHS.



AC200 C32 One to Four Family Dwelling The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Property Type (field ID NMLS.X16) is One-to-four Family.

D32 One to Four Family Dwelling The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Property Type (field ID 1172) is One-to-four Family

F32 One to Four Family Dwelling The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Property Type (field ID NMLS.X16) is One-to-four Family.

G32 One to Four Family Dwelling The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Property Type (field ID 1172) is One-to-four Family.

I32 One to Four Family Dwelling The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Property Type (field ID NMLS.X16) is One-to-four Family.

J32 One to Four Family Dwelling The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Property Type (field ID 1172) is One-to-four Family.

AC210 C33 Manufactured Housing The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Property Type (field ID NMLS.X16) is Manufactured Housing.

D33 Manufactured Housing The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Property Type (field ID 1172) is Manufactured Housing.

F33 Manufactured Housing The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Property Type (field ID NMLS.X16) is Manufactured Housing.

G33 Manufactured Housing The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Property Type (field ID 1172) is Manufactured Housing.

I33 Manufactured Housing The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Property Type (field ID NMLS.X16) is Manufactured Housing.

J33 Manufactured Housing The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Property Type (field ID 1172) is Manufactured Housing.



AC220 C34 Multifamily Dwelling The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Property Type (field ID NMLS.X16) is Multifamily Dwelling.

D34 Multifamily Dwelling The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Property Type (field ID 1172) is Multifamily Dwelling.

F34 Multifamily Dwelling The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Property Type (field ID NMLS.X16) is Multifamily Dwelling.

G34 Multifamily Dwelling The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Property Type (field ID 1172) is Multifamily Dwelling.

I34 Multifamily Dwelling The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Property Type (field ID NMLS.X16) is Multifamily Dwelling.

J34 Multifamily Dwelling The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Property Type (field ID 1172) is Multifamily Dwelling.

AC300 C37 Home Purchase The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Loan Purpose (field ID 384) is Home Purchase.

D37 Home Purchase The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Loan Purpose (field ID 384) is Home Purchase.

F37 Home Purchase The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Loan Purpose (field ID 384) is Home Purchase.

G37 Home Purchase The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Loan Purpose (field ID 384) is Home Purchase.

I37 Home Purchase The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Loan Purpose (field ID 384) is Home Purchase.

J37 Home Purchase The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Loan Purpose (field ID 384) is Home Purchase.



AC310 C38 Home Improvement The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Loan Purpose (field ID 384) is Home Improvement.

D38 Home Improvement The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Loan Purpose (field ID 384) is Home Improvement.

F38 Home Improvement The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Loan Purpose (field ID 384) is Home Improvement.

G38 Home Improvement The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Loan Purpose (field ID 384) is Home Improvement.

I38 Home Improvement The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Loan Purpose (field ID 384) is Home Improvement.

J38 Home Improvement The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Loan Purpose (field ID 384) is Home Improvement.

AC320 C39 Refinancing The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Loan Purpose (field ID 384) is Refinancing.

D39 Refinancing The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Loan Purpose (field ID 384) is Refinancing.

F39 Refinancing The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Loan Purpose (field ID 384) is Refinancing.

G39 Refinancing The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Loan Purpose (field ID 384) is Refinancing.

I39 Refinancing The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Loan Purpose (field ID 384) is Refinancing.

J39 Refinancing The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Loan Purpose (field ID 384) is Refinancing.



AC400 C41 HOEPA The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the HOEPA Status (field ID HMDA.X13) is HOEPA Loan.

D41 HOEPA The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the HOEPA Status (field ID HMDA.X13) is HOEPA Loan.

F41 HOEPA The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the HOEPA Status (field ID HMDA.X13) is HOEPA Loan.

G41 HOEPA The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the HOEPA Status (field ID HMDA.X13) is HOEPA Loan.

I41 HOEPA The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the HOEPA Status (field ID HMDA.X13) is HOEPA Loan.

J41 HOEPA The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the HOEPA Status (field ID HMDA.X13) is HOEPA Loan.

AC500 C44 First Lien The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Lien Status (field ID NMLS.X17) is Secured by a first lien.

D44 First Lien The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Lien Status (field ID NMLS.X17) is Secured by a first lien.

F44 First Lien The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Lien Status (field ID NMLS.X17NMLS.X17) is Secured by a first lien.

G44 First Lien The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Lien Status (field ID NMLS.X17) is Secured by a first lien.

I44 First Lien The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Lien Status (field ID NMLS.X17) is Secured by a first lien.

J44 First Lien The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Lien Status (field ID NMLS.X17) is Secured by a first lien.



AC510 C45 Subordinate Lien The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Lien Status (field ID NMLS.X17) is Secured by a subordinate lien.

D45 Subordinate Lien The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Lien Status (field ID NMLS.X17) is Secured by a subordinate lien.

F45 Subordinate Lien The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Lien Status (field ID NMLS.X17) is Secured by a subordinate lien.

G45 Subordinate Lien The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Lien Status (field ID NMLS.X17) is Secured by a subordinate lien.

I45 Subordinate Lien The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Lien Status (field ID NMLS.X17) is Secured by a subordinate lien.

J45 Subordinate Lien The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Lien Status (field ID NMLS.X17) is Secured by a subordinate lien.

AC520 C46 Not Secured by a Lien The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Lien Status (field ID NMLS.X17) is Not secured by a lien.

D46 Not Secured by a Lien The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Lien Status (field ID NMLS.X17) is Not secured by a lien.

F46 Not Secured by a Lien The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Lien Status (field ID NMLS.X17) is Not secured by a lien.

G46 Not Secured by a Lien The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Lien Status (field ID NMLS.X17) is Not secured by a lien.

I46 Not Secured by a Lien The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Lien Status (field ID NMLS.X17) is Not secured by a lien.

J46 Not Secured by a Lien The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Lien Status (field ID NMLS.X17) is Not secured by a lien.



AC600 C49 Broker Fees Collected-Forward Mortgages

Total of fees from section 801 where the Paid To is set to B, NMLS.X1 is not Reverse Mortgage, and where the Channel (field ID 2626) is set to Brokered.

AC610 F50 Lender Fees Collected-Forward Mortgages

Total of fees from section 801 + (NEWHUD.x15 + NEWHUD.x788) - field 1663, where the Paid To is set to L or blank, NMLS.X1 is not Reverse Mortgage, and the Channel (field ID 2626) is set to Banked - Retail

I50 Lender Fees Collected-Forward Mortgages

Total of fees from section 801 + (NEWHUD.x15 + NEWHUD.x788) - field 1663, where the Paid To is set to L or blank, NMLS.X1 is not Reverse Mortgage, and the Channel (field ID 2626) is set to Banked - Wholesale

AC700 C55 HECM-Standard The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Reverse Mortgage Type (field ID NMLS.X10) is HECM-Standard.

D55 HECM-Standard The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Reverse Mortgage Type (field ID NMLS.X10) is HECM-Standard.

F55 HECM-Standard The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked-Retail and the Reverse Mortgage Type (field ID NMLS.X10) is HECM-Standard.

G55 HECM-Standard The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked-Retail and the Reverse Mortgage Type (field ID NMLS.X10) is HECM-Standard.

I55 HECM-Standard The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Reverse Mortgage Type (field ID NMLS.X10) is HECM-Standard.

J55 HECM-Standard The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Reverse Mortgage Type (field ID NMLS.X10) is HECM-Standard.



AC710 C56 HECM-Saver The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Reverse Mortgage Type (field ID NMLS.X10) is HECM-Saver.

D56 HECM-Saver The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Reverse Mortgage Type (field ID NMLS.X10) is HECM-Saver.

F56 HECM-Saver The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked-Retail and the Reverse Mortgage Type (field ID NMLS.X10) is HECM-Saver.

G56 HECM-Saver The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Reverse Mortgage Type (field ID NMLS.X10) is HECM-Saver.

I56 HECM-Saver The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Reverse Mortgage Type (field ID NMLS.X10) is HECM-Saver.

J56 HECM-Saver The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Reverse Mortgage Type (field ID NMLS.X10) is HECM-Saver.

AC720 C57 Proprietary/Other The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Reverse Mortgage Type (field ID NMLS.X10) is Proprietary/Other.

D57 Proprietary/Other The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the Reverse Mortgage Type (field ID NMLS.X10) is Proprietary/Other.

F57 Proprietary/Other The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked-Retail and the Reverse Mortgage Type (field ID NMLS.X10) is Proprietary/Other.

G57 Proprietary/Other The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the Reverse Mortgage Type (field ID NMLS.X10) is Proprietary/Other.

I57 Proprietary/Other The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Reverse Mortgage Type (field ID NMLS.X10) is Proprietary/Other.

J57 Proprietary/Other The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the Reverse Mortgage Type (field ID NMLS.X10) is Proprietary/Other.



AC800 C60 Purpose of Reverse Mortgage: Home Purchase

The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the NMLS Loan Type (field ID NMLS.X1) is Reverse Mortgage and where the Loan Purpose (field ID 384) is Home Purchase.

D60 Purpose of Reverse Mortgage: Home Purchase

The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the NMLS Loan Type (field ID NMLS.X1) is Reverse Mortgage and where the Loan Purpose (field ID 384) is Home Purchase.

F60 Purpose of Reverse Mortgage: Home Purchase

The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the NMLS Loan Type (field ID NMLS.X1) is Reverse Mortgage and where the Loan Purpose (field ID 384) is Home Purchase.

G60 Purpose of Reverse Mortgage: Home Purchase

The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the NMLS Loan Type (field ID NMLS.X1) is Reverse Mortgage and where the Loan Purpose (field ID 384) is Home Purchase.

I60 Purpose of Reverse Mortgage: Home Purchase

The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the NMLS Loan Type (field ID NMLS.X1) is Reverse Mortgage and where the Loan Purpose (field ID 384) is Home Purchase.

J60 Purpose of Reverse Mortgage: Home Purchase

The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the NMLS Loan Type (field ID NMLS.X1) is Reverse Mortgage and where the Loan Purpose (field ID 384) is Home Purchase.

AC810 C61 Purpose of Reverse Mortgage: Other The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the NMLS Loan Type (field ID NMLS.X1) is Reverse Mortgage and where the Loan Purpose (field ID 384) is not Home Purchase and is not blank.

D61 Purpose of Reverse Mortgage: Other The total count of loans all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the NMLS Loan Type (field ID NMLS.X1) is Reverse Mortgage and where the Loan Purpose (field ID 384) is not Home Purchase and is not blank.

F61 Purpose of Reverse Mortgage: Other The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the NMLS Loan Type (field ID NMLS.X1) is Reverse Mortgage and where the Loan Purpose (field ID 384) is not Home Purchase and is not blank.

G61 Purpose of Reverse Mortgage: Other The total count of loans all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the NMLS Loan Type (field ID NMLS.X1) is Reverse Mortgage and where the Loan Purpose (field ID 384) is not Home Purchase and is not blank.

I61 Purpose of Reverse Mortgage: Other The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the NMLS Loan Type (field ID NMLS.X1) is Reverse Mortgage and where the Loan Purpose (field ID 384) is not Home Purchase and is not blank.



J61 Purpose of Reverse Mortgage: Other The total count of loans all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the NMLS Loan Type (field ID NMLS.X1) is Reverse Mortgage and where the Loan Purpose (field ID 384) is not Home Purchase and is not blank.

AC620 C64 Broker Fees Collected-Reverse Mortgages

Total of fees from section 801 where the Paid To is set to B, NMLS.X1 is Reverse Mortgage, and where the Channel (field ID 2626) is set to Brokered

AC630 F65 Lender Fees Collected-Reverse Mortgages

Total of fees from section 801 + (NEWHUD.x15 + NEWHUD.x788) - field 1663, where the Paid To is set to L or blank, NMLS.X1 is Reverse Mortgage, and the channel (field ID 2626) is set to Banked - Retail

I65 Lender Fees Collected-Reverse Mortgages

Total of fees from section 801 + (NEWHUD.x15 + NEWHUD.x788) - field 1663, where the Paid To is set to L or blank, NMLS.X1 is Reverse Mortgage, and the Channel (field ID 2626) is set to Banked - Wholesale

AC900 D68 Total Loans Brokered by Your Company Total number of loans closed within the report period where the Channel (field ID 2626) is Brokered

AC910 G69 Total Loans Funded by Your Company Total number of loans closed within the report period where the Channel (field ID 2626) is Banked - Retail

J69 Total Loans Funded by Your Company Total number of loans closed within the report period where the Channel (field ID 2626) is Banked - Wholesale

AC920 C72 Qualified Mortgage (QM) The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the QM Status (field ID HMDA.X26) is QM. The QM Status will be set to QM when the Ability-to-Repay Loan Type (field ID QM.X23) is Qualified Mortgage.

D72 Qualified Mortgage (QM) The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the QM Status (field ID HMDA.X26) is QM. The QM Status will be set to QM when the Ability-to-Repay Loan Type (field ID QM.X23) is Qualified Mortgage.

F72 Qualified Mortgage (QM) The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the QM Status (field ID HMDA.X26) is QM. The QM Status will be set to QM when the Ability-to-Repay Loan Type (field ID QM.X23) is Qualified Mortgage.

G72 Qualified Mortgage (QM) The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the QM Status (field ID HMDA.X26) is QM. The QM Status will be set to QM when the Ability-to-Repay Loan Type (field ID QM.X23) is Qualified Mortgage.

I72 Qualified Mortgage (QM) The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the QM Status (field ID HMDA.X26) is QM. The QM Status will be set to QM when the Ability-to-Repay Loan Type (field ID QM.X23) is Qualified Mortgage.



J72 Qualified Mortgage (QM) The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the QM Status (field ID HMDA.X26) is QM. The QM Status will be set to QM when the Ability-to-Repay Loan Type (field ID QM.X23) is Qualified Mortgage.

AC930 C73 Non-Qualified Mortgage The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the QM Status (field ID HMDA.X26) is Non-QM. The QM Status will be set to Non-QM when the Ability-to-Repay Loan Type (field ID QM.X23) is General ATR.

D73 Non-Qualified Mortgage The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the QM Status (field ID HMDA.X26) is Non-QM. The QM Status will be set to Non-QM when the Ability-to-Repay Loan Type (field ID QM.X23) is General ATR.

F73 Non-Qualified Mortgage The sum of the total loan amount (field 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the QM Status (field ID HMDA.X26) is Non-QM. The QM Status will be set to Non-QM when the Ability-to-Repay Loan Type (field ID QM.X23) is General ATR.

G73 Non-Qualified Mortgage The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the QM Status (field ID HMDA.X26) is Non-QM. The QM Status will be set to Non-QM when the Ability-to-Repay Loan Type (field ID QM.X23) is General ATR.

I73 Non-Qualified Mortgage The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the QM Status (field ID HMDA.X26) is Non-QM. The QM Status will be set to Non-QM when the Ability-to-Repay Loan Type (field ID QM.X23) is General ATR.

J73 Non-Qualified Mortgage The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the QM Status (field ID HMDA.X26) is Non-QM. The QM Status will be set to Non-QM when the Ability-to-Repay Loan Type (field ID QM.X23) is General ATR.

AC940 C74 Not Subject to QM The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the QM Status (field ID HMDA.X26) is Exempt when the Ability-to-Repay Loan Type (field ID QM.X23) is either Exempt or Non-Standard to Standard Refinance.

D74 Not Subject to QM The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Brokered and the QM Status (field ID HMDA.X26) is Exempt when the Ability-to-Repay Loan Type (field ID QM.X23) is either Exempt or Non-Standard to Standard Refinance.

F74 Not Subject to QM The sum of the total loan amount (field 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the QM Status (field ID HMDA.X26) is Exempt. The QM Status will be set to Exempt when the Ability-to-Repay Loan Type (field ID QM.X23) is either Exempt or Non-Standard to Standard Refinance.



G74 Not Subject to QM The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the QM Status (field ID HMDA.X26) is Non-QM. The QM Status will be set to Exempt when the Ability-to-Repay Loan Type (field ID QM.X23) is either Exempt or Non-Standard to Standard Refinance.

I74 Not Subject to QM The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Wholesale and the QM Status (field ID HMDA.X26) is Non-QM. The QM Status will be set to Exempt when the Ability-to-Repay Loan Type (field ID QM.X23) is either Exempt or Non-Standard to Standard Refinance.

J74 Not Subject to QM The total count of loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is Banked - Retail and the QM Status (field ID HMDA.X26) is Non-QM. The QM Status will be set to Exempt when the Ability-to-Repay Loan Type (field ID QM.X23) is either Exempt or Non-Standard to Standard Refinance.

AC1000 C78 Loans Made and Assigned but Required to Repurchase in Period

The sum of the Repurchase Cost (field ID 3313) for all loans where the Repurchase Date (field ID 3312) is within the report period.

D78 Loans Made and Assigned but Required to Repurchase in Period

The total count of loans where the Repurchase Date (field ID 3312) is within the report period.

AC1100 C82 Gross Revenue from Operations This value is currently not calculated nor populated by Encompass.

AC1200 C87 Closed Loans Servicing Retained The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is either Banked- Retail or Banked - Wholesale and where the Servicing Released check box (field ID 3338) is not selected.

D87 Closed Loans Servicing Retained The total count of loans where the action date (field ID 749) is within the report period and where the where the Channel (field ID 2626) is either Banked- Retail or Banked - Wholesale and the Servicing Released check box (field ID 3338) is not selected.

AC1210 C88 Closed Loans Servicing Released The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the Channel (field ID 2626) is either Banked- Retail or Banked - Wholesale and where the Servicing Released check box (field ID 3338) is selected.

D8 Closed Loans Servicing Released The total count of loans where the action date (field ID 749) is within the report period and where the where the Channel (field ID 2626) is either Banked- Retail or Banked - Wholesale and the Servicing Released check box (field ID 3338) is selected.

ACML01 B93 - E93

Mortgage Loan Originator Data This section will list Loan Officer name, the sum of the total loan amounts (field ID 2), the total number of loans, and the NMLS ID (field ID 3238). These entries are grouped by NMLS ID

B93 - E93,




B93 - E93,


ACNOTE B96 Explanatory Notes - Free Text Manually enter text.



RMLA Section II


I010 C4 Government (FHA/VA/RHS) Fixed The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the First Mortgage Type (field ID NMLS.X2) is Government (FHA/VA/RHS) Fixed.

D4 Government (FHA/VA/RHS) Fixed\ The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the First Mortgage Type (field ID NMLS.X2) is Government (FHA/VA/RHS) Fixed.

I020 C5 Government (FHA/VA/RHS) Arm The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the First Mortgage Type (field ID NMLS.X2) is Government (FHA/VA/RHS) Arm.

D5 Government (FHA/VA/RHS) Arm The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the First Mortgage Type (field ID NMLS.X2) is Government (FHA/VA/RHS) Arm.

I030 C6 Prime Conforming Fixed The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the First Mortgage Type (field ID NMLS.X2) is Prime Conforming Fixed.

D6 Prime Conforming Fixed The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the First Mortgage Type (field ID NMLS.X2) is Prime Conforming Fixed.

I040 C7 Prime Conforming Arm The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the First Mortgage Type (field ID NMLS.X2) is Prime Conforming Arm.

D7 Prime Conforming Arm The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the First Mortgage Type (field ID NMLS.X2) is Prime Conforming Arm.

I050 C8 Prime Non-Conforming (Jumbo) Fixed The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the First Mortgage Type (field ID NMLS.X2) is Prime Non-Conforming (Jumbo) Fixed.

D8 Prime Non-Conforming (Jumbo) Fixed The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the First Mortgage Type (field ID NMLS.X2) is Prime Non-Conforming (Jumbo) Fixed.

I060 C9 Prime Non-Conforming (Jumbo) ARM The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the First Mortgage Type (field ID NMLS.X2) is Prime Non-Conforming (Jumbo) ARM.


D9 Prime Non-Conforming (Jumbo) ARM The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the First Mortgage Type (field ID NMLS.X2) is Prime Non-Conforming (Jumbo) ARM.

I070 C10 Other Fixed The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the First Mortgage Type (field ID NMLS.X2) is Other Fixed.

D10 Other Fixed The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the First Mortgage Type (field ID NMLS.X2) is Other Fixed.

I080 C11 Other ARM The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the First Mortgage Type (field ID NMLS.X2) is Other ARM.

D11 Other ARM The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the First Mortgage Type (field ID NMLS.X2) is Other ARM.

I110 C16 Closed-End Second Mortgages The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Closed-End Second Mortgages.

D16 Closed-End Second Mortgages The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Closed-End Second Mortgages.

I120 C17 Funded HELOCs The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Funded HELOCs.

D17 Funded HELOCs The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Funded HELOCs.

I130 C18 Reverse Mortgages The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Reverse Mortgages.

D18 Reverse Mortgages The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Reverse Mortgages.

I140 C19 Construction and Land Development Loans, 1-4 Unit Residential

The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Construction and Land Development Loans, 1-4 Unit Residential.

D19 Construction and Land Development Loans, 1-4 Unit Residential

The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Construction and Land Development Loans, 1-4 Unit Residential.



I150 C20 Multifamily Loans Agency The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Multifamily Loans Agency.

D20 Multifamily Loans Agency The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Multifamily Loans Agency.

I160 C21 Commercial Mortgage Loans The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Commercial Mortgage Loans.

D21 Commercial Mortgage Loans The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Commercial Mortgage Loans.

I170 C22 Other Mortgage Loans The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Other Mortgage Loans.

D22 Other Mortgage Loans The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Other Mortgage Loans.

I210 C28 Retail The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the Lender/Bank Channel (field ID 3332) is Retail.

D28 Retail The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the Lender/Bank Channel (field ID 3332) is Retail.

I220 C29 Wholesale Correspondent The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the Lender/Bank Channel (field ID 3332) is Wholesale Correspondent.

D29 Wholesale Correspondent The total count of loans the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the Lender/Bank Channel (field ID 3332) is Wholesale Correspondent.

I230 C30 Wholesale Broker The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the Lender/Bank Channel (field ID 3332) is Wholesale Broker.

D30 Wholesale Broker The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the Lender/Bank Channel (field ID 3332) is Wholesale Broker.

I250 C34 Fixed Rate The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Amortization Type (field ID 608) is Fixed Rate or GPM Rate.



D34 Fixed Rate The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Amortization Type (field ID 608) is Fixed Rate or GPM Rate.

I251 C35 ARM The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the Amortization Type (field ID 608) is ARM.

D35 ARM The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the Amortization Type (field ID 608) is ARM.

I260 C39 Jumbo The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Conforming/Jumbo field (field ID 3331) is Non-Conforming (Jumbo).

D39 Jumbo The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Conforming/Jumbo field (field ID 3331) is Non-Conforming (Jumbo).

I261 C40 Non-Jumbo The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Conforming/Jumbo field (field ID 3331) is Conforming.

D40 Non-Jumbo The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Conforming/Jumbo field (field ID 3331) is Conforming.

I270 C44 Alt Doc The sum of the total loan amount (field ID 2) for all loans where the action date (field 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Documentation Type (field ID NMLS.X3) is Alt Documentation.

D44 Alt Doc The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Documentation Type (field ID NMLS.X3) is Alt Documentation.

I271 C45 Full Doc The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Documentation Type (field ID NMLS.X3) is Full Documentation.

D45 Full Doc The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Documentation Type (field ID NMLS.X3) is Full Documentation.



I280 C49 Interest Only The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Interest Only field (field ID 1177) is not blank.

D49 Interest Only The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Interest Only field (field ID 1177) is not blank.

I281 C50 Not Interest Only The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Interest Only field (field ID 1177) is blank.

D50 Not Interest Only The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Interest Only field (field ID 1177) is blank.

I290 C54 Option ARMs The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Option Arm check box (field ID NMLS.X4) is selected.

D54 Option ARMs The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Option Arm check box (field ID NMLS.X4) is selected.

I291 C55 Not Option ARMs The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Option Arm check box (field ID NMLS.X4) is not selected.

D55 Not Option ARMs The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Option Arm check box (field ID NMLS.X4) is not selected.

I300 C59 Loans with Prepayment Penalties The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Prepayment Penalty field (field ID 675) is set to Yes.

D59 Loans with Prepayment Penalties The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Prepayment Penalty field (field ID 675) is set to Yes.



I301 C60 Loans without Prepayment Penalties The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Prepayment Penalty field (field ID 675) is set to No.

D60 Loans without Prepayment Penalties The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Prepayment Penalty field (field ID 675) is set to No.

I310 C64 Purchase The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Purpose of Refinance (field ID NMLS.X6) is Purchase.

D64 Purchase The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Purpose of Refinance (field ID NMLS.X6) is Purchase.

I311 C65 Refinance Rate-Term The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is “Residential First Mortgages (1-4 Unit)” and where the Purpose of Refinance (field ID NMLS.X6) is Refinance Rate-Term.

D65 Refinance Rate-Term The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Purpose of Refinance (field ID NMLS.X6) is Refinance Rate-Term.

I312 C66 Refinance Cash-Out Refinances The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Purpose of Refinance (field ID NMLS.X6) is Refinance Cash-Out Refinance.

D66 Refinance Cash-Out Refinances The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Purpose of Refinance (field ID NMLS.X6) is Refinance Cash-Out Refinance.

I313 C67 Refinance Restructure The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Purpose of Refinance (field ID NMLS.X6) is Refinance Restructure.

D67 Refinance Restructure The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Purpose of Refinance (field ID NMLS.X6) is Refinance Restructure.



I314 C68 Refinance Other/Unknown The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Purpose of Refinance (field ID NMLS.X6) is Refinance Other/Unknown.

D68 Refinance Other/Unknown The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Purpose of Refinance (field ID NMLS.X6) is Refinance Other/Unknown.

I320 C72 Owner-Occupied The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Subject Property Occupancy Status field (field ID 1811) is Primary.

D72 Owner-Occupied The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Subject Property Occupancy Status field (field ID 1811) is Primary.

I321 C73 Non-Owner Occupied The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Subject Property Occupancy Status field (field ID 1811) is Secondary or Investment.

D73 Non-Owner Occupied The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Subject Property Occupancy Status field (field ID 1811) is Secondary or Investment.

I330 C77 Loans with Private Mortgage Insurance The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Mortgage Insurance field (field ID 3336) is PMI Included.

D77 Loans with Private Mortgage Insurance The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Mortgage Insurance field (field ID 3336) is PMI Included.

I331 C78 Loans without Private Mortgage Insurance

The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is “Residential First Mortgages (1-4 Unit)” and where the Mortgage Insurance field (field ID 3336) is PMI Not Included.

D78 Loans without Private Mortgage Insurance

The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Mortgage Insurance field (field ID 3336) is PMI Not Included.



I340 C82 Loans with Piggyback Seconds or Funded HELOCs

The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Piggyback/HELOC field (field ID NMLS.X5) is Includes Piggyback Second or Funded HELOC.

D82 Loans with Piggyback Seconds or Funded HELOCs

The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Piggyback/HELOC field (field ID NMLS.X5) is Includes Piggyback Second or Funded HELOC.

I341 C83 Loans without Piggyback Seconds or Funded HELOCs

The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Piggyback/HELOC field (field ID NMLS.X5) is Does not include Piggyback Second or Funded HELOC.

D83 Loans without Piggyback Seconds or Funded HELOCs

The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Piggyback/HELOC field (field ID NMLS.X5) is Does not include Piggyback Second or Funded HELOC.

I350 C88 Equals 600 or less The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Credit Score for Decision Making field (field ID VASUMM.X23) is 600 or less.

D88 Equals 600 or less The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Credit Score for Decision Making field (field ID VASUMM.X23) is 600 or less.

I351 C89 Greater than 600 but less than or equal to 650

The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Credit Score for Decision Making field (field ID VASUMM.X23) is between 601 and 650.

D89 Greater than 600 but less than or equal to 650

The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Credit Score for Decision Making field (field ID VASUMM.X23) is between 601 and 650.











I354 C92 Greater than 750 The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Credit Score for Decision Making field (field ID VASUMM.X23) is greater than 750.

D92 Greater than 750 The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the Credit Score for Decision Making field (field ID VASUMM.X23) is greater than 750.

I360 D97 Average FICO Score for First Mortgage Borrowers

The average of credit scores from the Credit Score for Decision Making field (field ID VASUMM.X23) where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit).

I365 D99 Average FICO Score for Second and HELOC Mortgage Borrowers

The average of credit scores from the Credit Score for Decision Making field (field ID VASUMM.X23) where the NMLS Loan Type (field ID NMLS.X1) is Closed-End Second Mortgage or Funded HELOC.

I370 C104 Equals 60% or less The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the LTV field (field ID 353) is 60% or less.

D104 Equals 60% or less The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the LTV field (field ID 353) is 60% or less.

I371 C105 Greater than 60% but less than or equal to 70%

The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the LTV field (field ID 353) is between 61% and 70%.

D105 Greater than 60% but less than or equal to 70%

The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the LTV field (field ID 353) is between 61% and 70%.















I375 C109 Greater than 100% The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the LTV field (field ID 353) is greater than 100%.

D109 Greater than 100% The total count of loans where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and where the LTV field (field ID 353) is greater than 100%.

I380 D115 Weighted Average LTV on First Mortgages Only (enter two-decimal figure, e.g., 87.65 for 87.645% weighted LTV)

The sum of the total loan amount (field ID 2) for all loans multiplied by the LTV field (field ID 353) where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) divided by the sum of the total loan amount.

I385 D117 Weighted Average CLTV Combined First and Second Mortgages (enter two-decimal figure, e.g., 87.65 for 87.645% weighted CLTV)

The sum of the total loan amount (field ID 2) for all loans multiplied by the CLTV field (field ID 976) where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) or Closed-End Second Mortgage divided by the sum of the total loan amount.

I390 D119 Weighted Average Coupon at Origination on First Mortgages Only (enter two-decimal figure, e.g., 6.78 for 6.775%)

The sum of the total loan amount (field ID 2) for all loans multiplied by the Interest Rate field (field ID 3) where the action date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) divided by the sum of the total loan amount.



I400 C122 Production Sold to Secondary Market Agencies (Fannie, Freddie, Ginnie)

The sum of the total loan amount (field ID 2) for all loans where the Date Sold (field ID 3337) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the Loan Production field (field ID NMLS.X7) is Production Sold to Secondary Market Agencies (Fannie, Freddie, Ginnie).

D122 Production Sold to Secondary Market Agencies (Fannie, Freddie, Ginnie)

The total count of loans where the Date Sold (field ID 3337) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the Loan Production field (field ID NMLS.X7) is Production Sold to Secondary Market Agencies (Fannie, Freddie, Ginnie).

I401 C123 Production Sold to Others (Non-Affiliate) The sum of the total loan amount (field ID 2) for all loans where the Date Sold (field ID 3337) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the Loan Production field (field ID NMLS.X7) is Production Sold to Others (Non-Affiliate).

D123 Production Sold to Others (Non-Affiliate) The total count of loans where the action Date Sold (field ID 3337) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the Loan Production field (field ID NMLS.X7) is Production Sold to Others (Non-Affiliate).

I402 C124 Production Sold to Others (Affiliate) The sum of the total loan amount (field ID 2) for all loans where the Date Sold (field ID 3337) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the Loan Production field (field ID NMLS.X7) is Production Sold to Others (Affiliate).

D124 Production Sold to Others (Affiliate) The total count of loans where the Date Sold (field ID 3337) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the Loan Production field (field ID NMLS.X7) is Production Sold to Others (Affiliate).

I403 C125 Production Kept in Portfolio/Held for Investment

The sum of the total loan amount (field ID 2) for all loans where the Date Sold (field ID 3337) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the Loan Production field (field ID NMLS.X7) is Production Kept in Portfolio/Held for Investment.

D125 Production Kept in Portfolio/Held for Investment

The total count of loans where the Date Sold (field ID 3337) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the Loan Production field (field ID NMLS.X7) is Production Kept in Portfolio/Held for Investment.

I404 C126 Production Sold through Non-Agency Securitizations with Sale Treatment

The sum of the total loan amount (field ID 2) for all loans where the Date Sold (field ID 3337) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the Loan Production field (field ID NMLS.X7) is Production Sold through Non-Agency Securitizations with Sale Treatment.

D126 Production Sold through Non-Agency Securitizations with Sale Treatment

The total count of loans where the Date Sold (field ID 3337) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the Loan Production field (field ID NMLS.X7) is Production Sold through Non-Agency Securitizations with Sale Treatment).



I405 C127 Production Sold through Non-Agency Securitizations without Sale Treatment

The sum of the total loan amount (field ID 2) for all loans where the Date Sold (field ID 3337) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the Loan Production field (field ID NMLS.X7) is Production Sold through Non-Agency Securitization without Sale Treatment.

D127 Production Sold through Non-Agency Securitizations without Sale Treatment

The total count of loans where the Date Sold (field ID 3337) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the Loan Production field (field ID NMLS.X7) is Production Sold through Non-Agency Securitizations without Sale Treatment

I410 C133 Production Sold Servicing Released The sum of the total loan amount (field ID 2) for all loans where the application date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the Date Sold field (field ID 3337) is in the report range and the Servicing Released check box (field ID 3338) is selected. This number will exclude loans where the Loan Production field (field ID NMLS.X7) is blank or Production Kept in Portfolio/Held for Investment.

D133 Production Sold Servicing Released The total count of loans where the application date (field ID 749) is within the report period and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the Date Sold field (field ID 3337) is in the report range and the Servicing Released check box (field ID 3338) is selected. This number will exclude loans where the Loan Production field (field ID NMLS.X7) is blank or Production Kept in Portfolio/Held for Investment.

I420 C134 Production Brokered Out The sum of the total loan amount (field ID 2) for all loans where the action date (field ID 749) is within the report period and the Current Status (field ID 1393) is Loan Originated and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the Channel (field ID 2626) is Brokered.

D134 Production Brokered Out The total count of loans where the action date (field ID 749) is within the report period and the Current Status (field ID 1393) is Loan Originated and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and the Channel (field ID 2626) is Brokered.

I430 E136 Fall-Out Ratio (enter two-decimal figure, e.g., 67.55 for 67.545%)

Total number of closed loans where the action date (field ID 749) is within the report period and the Current Status (field ID 1393) is Loan Originated divided by the total number of loans taken where the Initial Application Date (field ID 3261 (unless otherwise stated under Encompass Settings > Loan Setup > NMLS Report Setup)) is in the report range. This is only for loans where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgage (1-4 Unit).

I440 C138 Total Multifamily/Commercial Loans Sold This Period

The sum of the total loan amount (field ID 2) for all loans where the NMLS Loan Type (field ID NMLS.X1) is Multifamily Loans Agency or Commercial Mortgage Loans and the Date Sold field (field ID 3337) is in the report range.

D138 Total Multifamily/Commercial Loans Sold This Period

The total count of loans where the NMLS Loan Type (field ID NMLS.X1) is Multifamily Loans Agency or Commercial Mortgage Loans and the Date Sold field (field ID 3337) is in the report range and Servicing Released (field ID 3338) is selected.



I450 E141 Average Days in Warehouse 1-4 Unit Residential Mortgages Only

The average difference between the warehouse date and the date sold (including the warehouse date) where NMLS.X1 is Residential First Mortgages (1-4 Unit) and where the Date Sold (field ID 3337) is within the report period.

I455 E142 Average Days in Warehouse Multifamily Loans

The average difference between the warehouse date and the date sold (including the warehouse date) where NMLS.X1 is Multifamily Loans Agency and where the Date Sold (field ID 3337) is within the report period.

I456 E143 Average Days in Warehouse Commercial Mortgage Loans

The average difference between the warehouse date and the date sold (including the warehouse date) where NMLS.X1 is Commercial Mortgage Loan and where the Date Sold (field ID 3337) is within the report period.

I460 C146 Production Warehoused in Excess of 90 Days as of Period End 1-4 Unit Residential Mortgages Only

The sum of the total loan amount (field ID 2) for all loans where the difference between the Warehouse Date (field ID 3341) and the last date in the reporting quarter (including both those dates) is over 90 days and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and Date Sold (field ID 3337) is blank.

D146 Production Warehoused in Excess of 90 Days as of Period End 1-4 Unit Residential Mortgages Only

The total count of loans where the difference between the Warehouse Date (field ID 3341) and the last date in the reporting quarter (including both those dates) is over 90 days and where the NMLS Loan Type (field ID NMLS.X1) is Residential First Mortgages (1-4 Unit) and Date Sold (field ID 3337) is blank.



Documents

Generating and Uploading NMLS Mortgage Call Report Datahelp.elliemae.com/DocumentationLibrary/360/NMLS.pdf• Appendix B, “NMLS Data Report Calculations” lists each field in a