Generating and Uploading North Carolina Compliance Reportshelp.elliemae.com/DocumentationLibrary/360/NCCompReport.pdfGenerating and Uploading North Carolina Compliance Reports 2 When

Generating and Uploading North Carolina Compliance Reports

For use with Encompass Broker and Banker Editions

Last Revised: 8/3/2017

Copyright Statement© 2017 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 North Carolina Compliance Reports - Encompass Broker and Banker EditionsRev. 8/3/2017

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Table of Contents

Generating and Uploading North Carolina Compliance Reports ............................................................................................. 1

NC Compliance Reports - A Quick Introduction .......................... 1Who is Required to Submit Reports .......................................... 1What loans need to be reported? .............................................. 1When is the upload due? ......................................................... 2North Carolina State Specific Information Form .......................... 2Generate Files for NC Compliance Reports ............................... 3Edit the Main Loan File ............................................................ 3Submit Reports to the NCCOB ................................................. 4

North Carolina Compliance Report Field Information.......... 5

Generating and Uploading North Carolina Compliance Reports Encompass enables you to generate North Carolina Compliance Reports that can be uploaded to the North Carolina Office of the Commissioner of Banks (NCCOB) website. This guide contains the information you need to generate and submit the reports, including step-by-step instructions for generating the files need for a North Carolina Compliance Report, revising the content of the file to meet NCCOB guidelines, and submitting the report to the NCCOB.

Appendix A, “North Carolina Compliance Report Field Information” on page 5 lists each field in the North Carolina Compliance Report and displays additional related information, such as a description of the field and the field ID for the corresponding Encompass field.

NOTE: Only a user logging in with the admin user ID or a user assigned with the Super Administrator persona can access the North Carolina Compliance Report option and generate the files needed to submit the report.

NC Compliance Reports - A Quick IntroductionThe North Carolina Office of the Commissioner of Banks (NCCOB) requires that mortgage licensees provide information on the characteristics of loan originations in an electronic format on a quarterly basis within 45 days after the close of each calendar quarter. The loan-level data is used for monitoring compliance with state and federal laws and regulations on an ongoing basis. Licensees can now submit quarterly data through the NCCOB Online website as a .csv (Comma Separated Value) file.Authorized Encompass users (granted permission based on their user persona) can run a North Carolina Compliance Report by accessing the options in the Pipeline menu on the Pipeline tab in Encompass. The export process creates two files: a fee data file and a loan file. When the loan file is exported, the user must make additional changes to the content, and then save the loan file as a .csv file before submitting it to the NCCOB website.

Who is Required to Submit ReportsTitle 4, Rule 4 NCAC 03M .0401(c) of the North Carolina Administrative Code requires mortgage licensees to provide information on the characteristics of loan originations in an electronic format on a quarterly basis within 45 days after the close of each calendar quarter.

Encompass provides the ability to collect much of the data required for North Carolina Compliance Reports, however it is up to the individual generating the data to ensure its accuracy. Users will need to reformat some of the content in the generated reports. It is important to note that although Encompass automates the collection of much of the data used in the reports, 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 produce accurate reports.

What loans need to be reported?• Any loan your company originated that you “Decisioned” in the quarter.

“Decisioned” means the loan was denied (adverse action), withdrawn, or closed during the quarter. The origination date is NOT what is used to determine the quarter.

• The loan must be a valid application which means at minimum these six pieces of information were collected by the originator:

• the borrower’s name;

• the borrower’s gross monthly income;

• the borrower’s Social Security number (e.g., to enable the loan originator to obtain a credit report);

• the property address;

• an estimate of the value of the property; and

• the mortgage loan amount sought.

Refer to Appendix A, “North Carolina Compliance Report Field Information” on page 5 to view details about the data that must be uploaded for each loan, including the Encompass fields where this data is entered.

Generating and Uploading North Carolina Compliance Reports 1

When is the upload due?Each quarterly update is due 45 days after the end of the quarter as follows:

• 1st quarter is due May 15.

• 2nd quarter is due Aug 14.

• 3rd quarter is due Nov 14.

• 4th quarter is due Feb 14.

North Carolina State Specific Information FormUse the State Specific Information form for North Carolina to enter and review disclosure information required for properties in North Carolina. Applicable data from this form is exported to the report generated by Encompass for the North Carolina Compliance Reports.

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Generate Files for NC Compliance ReportsUse the Pipeline menu on the Pipeline tab in Encompass to create the files needed for North Carolina Compliance Reports.

To Generate Files for NC Compliance Reports:1 On the menu bar, click Pipeline.

2 Point to Compliance Services, and then click Generate North Carolina Compliance Report.

NOTE: If one or more input fields required to generate the report are not currently included in the Encompass Reporting Database, a message prompting you to notify your Encompass administrator about the missing fields is displayed. To help ensure the most complete and accurate report data, be sure to ask your administrator to add the required fields to the Reporting Database.

3 Select a time period for the report, and the date field used to indicate when the application was received by the originating and funding entities.

4 Select one of more loan folders that contain the loans for which you want to run the report.

5 Click Generate.

6 Click Yes when the confirmation window informs you that the HUD-1 Fee Data File (the first of two reports) will be generated.

7 Browse to the folder where you want to save the file and click Save.

8 Click Yes when the confirmation screen informs you that the Main Loan file (the second of two reports) will be generated.

9 Browse to the folder where you want to save the file and click Save.

Edit the Main Loan FileBefore you submit the file to the North Carolina Office of Commissioner of Banks, you must edit the Main Loan file to remove unneeded columns and tabs, and to add, edit, and review content in specific fields.


To Edit the Main Loan File:1 After you save the files, you must edit and reformat the Main Loan file, and then

save it as a .csv file before submitting it to the North Carolina Office of Commissioner of Banks.

2 Delete the Data tab.

3 The fields listed below are imported from Encompass, but the formatting must be modified to match NCCOB requirements. For detailed information, refer to Appendix A, “North Carolina Compliance Report Field Information” on page 5.

• AdverseActionReason

• CreditScore

• IsRefinancedBySameLender

• LienPriority

• LoanDocumentTypeDescription

• LoanPurpose

• LoanSource

• LoanStatus

• MortgageProgram

• MortgageType

• Occupancy

• PropertyType

• RefinanceReason

4 The fields listed below are populated when the Main Loan file is created using a calculation based on another field. Validate the accuracy of the calculation for your needs.

• IsCallProvision

• IsEscrowedFunds

• IsFourYearPaymentChange

• IsLot25AcresOrMore

• IsNegativeAmortization

• IsPMICancelledAtMidPoint

• PaymentFrequency

• WithdrawnDate

5 When finished, save the file as a .csv file.

Submit Reports to the NCCOBAfter you have reformatted the Main Loan file, log in to the NCCOB website and submit the report.

NOTE: If you do not already have login credentials for your company, contact the NCCOB at (919) 733-3016 to request your company login information. For questions regarding technical requests, send email to NCCOB at [email protected].

To Upload the Report to the NCCOB Website:1 Visit the NCCOB website at:

https://www.nccob.org/online/nmls/companylogin.aspx

2 Click the appropriate link to view the applicable login page (i.e., Mortgage Company Login).

3 Enter your NCCOB License Number, Fed TaxID, and the last 4 digits of the Qualifying Individuals Social Security Number or your company Access Code if you have one.

4 Once you are logged in, there is a link to the NCCOB Loan Data Upload User Guide on the welcome screen.

5 Follow the instructions to upload the XML file to the website.


Appendix A: North Carolina Compliance Report Field InformationThis appendix provides information about the fields in the Main Loan file for the North Carolina Compliance Report, and provides details about field content that you must edit, add, or review before submitting the file to the NCCOB. The Description column will include a note when you need to edit, add, or review content for a field before submitting the file to the NCCOB. Adjust the content for those fields as needed using the information in the Description, Enumeration, Max # of Characters, Required, and Data Type columns.

NOTE: The footnotes identified in the Required column are located below this table.

NOTE: In the Data Type column, the Decimal entries represent the values before and after the decimal point and are capturing percentages. For example, the Decimal (10,2) data type allows for ten digits before the decimal point and two digits after the decimal point. Report 85.5% as 85.5, not .855.

Field#

Field Name EncompassField ID

Description Enumeration (String value entered must match one of the enu-merations)

Max # ofCharac-ters

Required Data Type

1 AdverseActionDate DENIAL.X11 The date the creditor notified the applicant when taking adverse action on an application for credit.

10 Yes, when LoanStatus = AdverseAction

Date

2 AdverseActionReason See HMDA.X21 Descriptions of the adverse action that was taken on the credit application.

NOTE: Encompass has fields that capture similar information but not in the format required by the NCCOB. Edit the content based on your business use.

50 No String

North Carolina Compliance Report Field Information 5

3 AffiliatedBusinessDisclosureDate 3544 Date an Affiliated Business Arrangement Disclosure is provided to borrower (for example, date mailed, date physically given to borrower, etc.)

10 No Date

4 AppraisedAmount 356 Collateral valuation from appraisal.

11 No Decimal (10, 2)

5 AppReceivedByFundingEntityDate 745 or 3142 Date the funding entity received the consumer’s written application.

10 Yes when LoanStatus = Closed

Date

6 AppReceivedByOriginatingEntityDate 745 or 3142 Date the originating entity received the consumer’s written application.

10 Yes Date

7 ARMCeiling 2625 Maximum interest rate a financial institution can charge a borrower for an adjustable rate mortgage loan according to the contractual terms of the mortgage loan. Use the final Truth-In-Lending Disclosure Statement or the last one if the loan did not close.

10 Yes2, when MortgageProgram = AdjustableRate

Decimal (9,6)

Field#



Max # ofCharac-ters

Required Data Type


8 ARMFloor 1699 Minimum interest rate that a financial institution can charge a borrower for an adjustable rate mortgage loan according to the contractual terms of the mortgage loan. Use the final Truth-In-Lending Disclosure Statement or the last one if the loan did not close.


Decimal (9,6)

9 ARMIndexRate 688 Benchmark interest rate on which an adjustable-rate mortgage's fully indexed interest rate is based. Known as the fully indexed interest rate, an adjustable-rate mortgage's interest rate, is comprised of an index value plus a margin. Use the final Truth-In-Lending Disclosure Statement or the last one if the loan did not close.


Decimal (9,6)

Field#



Max # ofCharac-ters

Required Data Type


10 ARMIndexDescription 1259 Description of the ARM mortgage index. Common indexes include: • Prime lending rate

• One-year constant maturity treasury (CMT) value

• One-month, six-month and 12-month LIBORs

• MTA index, (12-month moving average of the one-year CMT index)

Use the final Truth-In-Lending Disclosure Statement or the last one if the loan did not close.

100 Yes2 when MortgageProgram = AdjustableRate

String

11 ARMInitialAdjustmentCap 697 Highest percentage the monthly payment can increase during the first adjustment period. Use the final Truth-In-Lending Disclosure Statement or the last one if the loan did not close.

10 Yes2 when MortgageProgram= AdjustableRate

Decimal (9,6)

Field#



Max # ofCharac-ters

Required Data Type


12 ARMMargin 689 ARM margin reflected on the promissory note. Use the final Truth-In-Lending Disclosure Statement or the last one if the loan did not close.

10 Yes2 when MortgageProgram = AdjustableRate

Decimal (9,6)

13 BorrowerIncome 736 Total monthly incomeof all borrowers on the loan.

11 Yes2 Decimal (10,2)

14 BorrowerNameFirst 4000 First name of the primary borrower for the loan.

100 Yes String

15 BorrowerNameLast 4002 Last name of the primary borrower for the loan.

100 Yes String

16 BranchManagerNMLSID NMLS.X8 NMLS Entity ID for the branch manager for the branch where the loan was originated.

10 Yes when LoanSource = Retail

Integer

17 BranchNMLSEntityID NMLS.X9 NMLS Entity ID for the branch that originated the loan. If originated in the main office, enter the main office NMLS entity id.

10 Yes Integer

Field#



Max # ofCharac-ters

Required Data Type


18 CHARMProvidedDate 3545 Date the licensee provided the Consumer Handbook on Adjustable Rate Mortgages (CHARM) or a suitable substitute at the time of application. If the application is sent in the mail the disclosures must be included in the packet.

10 Yes1, 2, when MortgageProgram = AdjustableRate

Date

19 CloseDate 748 Date the parties sign the promissory note. (Same as Settlement Date.)

10 Yes, when LoanStatus= Closed

Date

20 CombinedLTV 976 Combined loan-to-value ratio. Total of first and second mortgages for the property compared to appraised value or sale price for the property.

10 No Decimal (9,6)

21 CompanyNMLSEntityID 3237 Loan originating company's Entity ID assigned by the Nationwide Mortgage Licensing System & Registry (NMLS).

10 Yes Integer

22 CreditScore See VASUM.X23 Median credit score for the borrower(s). Enter 0 if no credit history.

10 Yes2 Integer

Field#



Max # ofCharac-ters

Required Data Type


23 DebtToIncomeRatio 742 A mathematical calculation that compares the borrower(s)'s debt payments to their income.


24 DisbursementDate 2553 Date when funds for the loan are disbursed by the lender.

10 Yes, when LoanStatus = Closed

Date

25 GFEDisclosureProvidedDate 3148 Date the Good Faith Estimate is provided to the consumer.

10 Yes1, 4, 5, 7 Date

26 HELOCBrochureProvidedDate 3547 Special Brochure for Open-Ended Credit Plans provided date.

10 Yes, when MortgageType= HELOC

Date

27 HOEPADisclosureWaiver DISCLOSURE.X1089 Did the borrower waive the three-day rescission Disclosure Rule for HOEPA Provisions?

YesNoN/A

5 Yes2 String

28 HUDSpecialInfoBookletProvidedDate 3546 HUD's Special Information Booklet provided date. If HUD's Special Information Booklet is mailed, then enter the mailed date.

10 Yes2 when LoanPurpose = Purchase and PropertyType is not ChattelNOTE: Effective as of 2012 4th Qtr submission

Date

29 InterestOnlyPeriod 1177 The period during which the monthly payment amount excludes any principal amount. State in number of months.

10 No Integer

Field#



Max # ofCharac-ters

Required Data Type


30 InterestRateLockDate 761 The date the lender locked the interest rate for the loan or the date the loan was approved.

10 Yes2 when LoanStatus = Closed

Date

31 Is1To4Units See HMDA.X11 Does the property have 4 or fewer dwelling units?

NOTE: Encompass does not have a standard field to capture this information. Populate the data manually.

• true

• false

5 Yes Boolean

32 IsAdvancePaymentsRequired DISCLOSURE.X1090 Do the note terms require advance payments?

• true

• false

5 Yes2, 6 Boolean

33 IsBalloonMortgage See 1659 Does the loan have a balloon payment?

• true

• false

5 Yes2 Boolean

34 IsCallProvision See 663 Does the note contain call provision?

NOTE: Encompass uses an Excel calculation of another field to populate this field. Validate the accuracy of the calculation for your needs.

• true

• false

5 Yes2 Boolean

Field#



Max # ofCharac-ters

Required Data Type


35 IsEscrowedFunds See 1550 Field that indicates escrowed funds for taxes and insurance?


• true

• false

5 Yes2 Boolean

36 IsFourYearPaymentChange See 696 Can the payment amount that includes principal and interest or both change during the first four years of the loan?


• true

• false

5 Yes2 Boolean

37 IsHighCostLoanCounselingReceived DISCLOSURE.X1091 Did the borrower receive credit counseling for a high cost loan?

• true

• false

• N/A

5 Yes2 Boolean

38 IsHomeContractorPaymentsFromLoan DISCLOSURE.X1092 Were home improvement contractor payments made from loan proceeds?

• true

• false

5 Yes2 Boolean

Field#



Max # ofCharac-ters

Required Data Type


39 IsInterestRateIncreaseAfterDefault DISCLOSURE.X1093 Do the note terms allow the interest rate to increase after a default?

• true

• false

5 Yes2 Boolean

40 IsLot25AcresOrMore See 3543 Is the size of the lot 25 or more acres?


• true

• false

5 Yes Boolean

41 IsNegativeAmortization See NMLS.X4 An increase in the principal balance of a loan caused by making payments that are less than the interest due. The remaining amount of interest owed is added to the loan's principal.


• true

• false

5 Yes2 Boolean

Field#



Max # ofCharac-ters

Required Data Type


42 IsPMICancelledAtMidPoint See 1753 Will the Private Mortgage Insurance automatically cancel at the midpoint of the loan amortization?


• true

• false

5 Yes2 Boolean

43 IsRefinancedBySameLender See 299 Is this loan a refinance of a previous loan with the same lender?


• true

• false

5 Yes2, when LoanPurpose = Refinance

Boolean

44 LatePaymentPenaltyPercent 674 Percentage amount charged for a late payment per the terms of the mortgage.


Decimal (9,6)

45 LenderNMLSEntityID 3244

If 3244 is blank, 3237 is used.

NMLS Entity ID assigned by the Nationwide Mortgage Licensing System & Registry (NMLS).

200 Yes when LoanStatus = Closed

String

Field#



Max # ofCharac-ters

Required Data Type


46 LienPriority See 420 Priority of the lien placed on the property by the mortgage.


• First

• Second

• Other

10 Yes2 String

47 LoanAmount 2 Dollar amount loaned to the borrower.

11 Yes Decimal (10,2)

48 LoanDocumentTypeDescription See field MORNET.X67

Documentation type for the loan.


• AlternateDoc

• FullDoc,

• LimitedDoc

• NoAssetVerification

• NoIncomeVerification

• NINA• StreamlinedRefinanceDoc

50 Yes2 String

49 LoanInterestRate 3 Interest rate documented on the loan note.


Decimal (9,6)

50 LoanNumber 364 Identifier used for the loan by the lender. A broker can report their own identifier when the loan is not closed.

100 Yes String

Field#



Max # ofCharac-ters

Required Data Type


51 LoanPurpose See field 19 The purpose of the loan.


• Purchase

• Refinance

• ConstructionToPerm

• ConstructionOnly

• Bridge

• HomeImprovement

• Other

50 Yes2 String

52 LoanSource See 2626 Indicates whether the loan is sourced through retail, brokerage, or table funded.


• Retail

• Brokerage

• TableFunded

50 Yes String

53 LoanStatus See 1393 Final status of the loan.


• Closed

• Withdrawn

• AdverseAction

50 Yes String

Field#



Max # ofCharac-ters

Required Data Type


54 LoanTerm 4 Number of months at which the note is contractually due.

10 Yes2 Integer

55 LoanToValueRatio 353 Principal amount of the mortgage divided by the appraised amount of the property or the purchase price, whichever is lower.


56 MIPFeeAmount 337 FHA Mortgage Insurance Premium dollar amount. Also referred as UPFRONT MIP.

11 Yes, when MortgageType = FHA and LoanStatus = Closed

Decimal (10,2)

57 MIPFeeAmountInEscrow 338 FHA Mortgage Insurance Premium dollar amount included in escrow.

11 Yes, when MortgageType = FHA and LoanStatus = Closed

Decimal (10,2)

58 MLONMLSEntityID 3238 Mortgage loan originator's Entity ID assigned by the Nationwide Mortgage Licensing System & Registry (NMLS).

10 Yes Integer

59 MortgageLoanOriginator 1612 Individual who, in exchange for compensation as an employee of a Mortgage Lender or Mortgage Broker, accepts or offers to accept applications for mortgage loans on residential real property in North Carolina

200 Yes String

Field#



Max # ofCharac-ters

Required Data Type


60 MortgageProgram See 608 Interest rate characteristic of the mortgage. NOTE: Encompass has fields that capture similar information but not in the format required by the NCCOB. Edit the content based on your business use.

• Fixed

• Adjustable

• Other

50 Yes String

61 MortgageType See 1172 Type of mortgage the borrower applied for.


• Conventional

• VA

• FHA

• USDA

• HELOC

• Other

• Reverse

50 Yes String

62 Occupancy See 1811 Category describing how the borrower will use the property.


• PrimaryHome

• SecondaryHome

• InvestmentProperty

50 Yes2 String

Field#



Max # ofCharac-ters

Required Data Type


63 PaymentAmount 1724 The Payment Amount (principal and interest) as reflected on the promissory note at time of closing.


Decimal (10,2)

64 PaymentFrequency See 423 Period when regular payments are due.


• Monthly

• Bi-Weekly

50 Yes2 String

65 PMILoanToValueLimit 1205 PMI is automatically cancelled when the loan-to-value ratio is less than this percent. Conventional PMI only.

10 No Decimal (9,6)

66 PMIPaidUpfront 1826 Total amount of premium paid at closing for mortgage insurance by the borrower. Conventional PMI only.

11 No Decimal (10,2)

67 PMIPaidUpfrontAsCash 1760 Total amount of premium paid as cash at closing for mortgage insurance by the borrower. Conventional PMI only.


Field#



Max # ofCharac-ters

Required Data Type


68 PMIUpfrontPremiumAmountInEscrow 338 PMI as a dollar amount paid at closing included in escrow. Conventional PMI only.


69 PrepaymentPenaltyMonths RE88395.X316 Number of months at the start of the loan during which a prepayment penalty can be applied if the loan balance is paid in full.

10 No Integer

70 PrepaymentPenaltyPercent 1948 Penalty percentage according to the prepayment penalty.

10 No Decimal (9,6)

71 PropertyCity 12 City where the property exists.

50 Yes String

72 PropertyCounty 13 North Carolina county where the property exists.

50 Yes String

73 PropertyState 14 The state where the property exists. This should always be NC at this time.

NC 2 Yes String

74 PropertyStreet1 11 Street number and street name where the property exists.

200 Yes String

75 PropertyStreet2 3893 Additional street address information, for example unit number, suite, or other information.

200 No String

Field#



Max # ofCharac-ters

Required Data Type


76 PropertyType See 1041 Specify the type of dwelling.


• Single Family

• Condominium

• ManufacturedHome

• Chattel

• Other

50 Yes String

77 PropertyZipCode 15 Valid 5-digit or 9-digit Zip Code where the property is located.

10 Yes String

78 PurchasePrice 136 Contractual sales amount for purchase transactions.

11 Yes2, 3 Decimal (10,2)

79 RefinanceReason See 299 Describe why the borrower refinanced the previous mortgage.


• RateTerm

• CashOut

• DebtConsolidation

• Other

50 Yes2 when LoanPurpose = Refinance

String

80 ReverseMortgageCounselor DISCLOSURE.X1094 The counselor approved by HUD to provide counseling.

200 Yes, when MortgageType = Reverse and LoanStatus = Closed

String

Field#



Max # ofCharac-ters

Required Data Type


81 ReverseMortgageDisclosureDate DISCLOSURE.X1095 Date when the various disclosures regarding a reverse mortgage were delivered to the borrower.

10 Yes, when MortgageType = Reverse

Date

82 TILAPR 3121 Annual percentage rate on the final Federal Truth-In-Lending Disclosure Statement.

10 Yes1,2,4, 7 Decimal (9,6)

83 TILDisclosureProvidedDate 3152 The date the initial Truth-In-Lending Disclosure Statement is provided.

10 Yes1,2,4,7 Date

84 TILFinanceCharge 3246 The finance charge located on the final Federal Truth-In-Lending Disclosure Statement for this loan.

11 Yes1,2,4, 7 Decimal (10,2)

85 UndiscountedInterestRate 3293 Interest rate that would have been used if no discount points were paid for the loan. Brokers should report the closest par rate for the specific broker.

11 Yes1,2 when discount points are charged

Decimal (10,2)

86 USDAFeeAmount NEWHUD.X1301 The dollar amount for U.S. Department of Agriculture (USDA) fee to insure or guarantee a home loan.

11 Yes when MortgageType = USDA and LoanStatus = Closed

Decimal (10,2)

Field#



Max # ofCharac-ters

Required Data Type


87 USDAFeeAmountInEscrow NEWHUD.X1708 Dollar amount for U.S. Department of Agriculture (USDA) fee to insure or guarantee a home loan that was included in escrow.

11 Yes when MortgageType = USDA andLoanStatus = Closed

Decimal (10,2)

88 VALoanFundingFee 1050 One-time fee charged to the borrower on a VA Loan.

11 Yes when MortgageType = VA and LoanStatus = Closed

Decimal (10,2)

89 WithdrawnDate See field 749 The date the loan was withdrawn.


10 Yes2 when LoanStatus = Withdrawn

Date

90 YieldSpreadPremiumAmount This field is no longer submitted.

91 SellerPaidLumpSum NEWHUD.X278 The total amount of seller paid closing costs

11 Yes, when the seller paid items are not itemized in the HUD-1 Fees records

Decimal (10,2)

92 LoanEstimateProvidedDate 3152 The date the original Loan Estimate is provided to the consumer. Combination of the old Good Faith Estimate and initial Truth-In-Lending disclosures.

10 Yes1, 8 Date

Field#



Max # ofCharac-ters

Required Data Type


93 ClosingDisclosureProvidedDate 3981 The date the final Closing Disclosure form is provided to the consumer.


Date

94 ClosingDisclsureAPR 3121 The annual percentage rate located on the Closing Disclosure form. Replaces the TILAPR.


Decimal (9,6)

95 ClosingDisclosureFinanceCharge 3246 The Finance Charge located on the final Closing Disclosure Form. Replaces the TILFinance Charge.


Decimal (10,2)

96 ServiceProvidersDisclosureProvidedDate 4014 The date the written list of service providers was sent or given to the borrower.

10 Yes1, 8 Date

97 MOSRCompanyNMLSID DISCLOSURE.X1130 The Mortgage Originator Support Registrant company's Entity ID assigned by the Nationwide Mortgage Licensing System & Registry (NMLS).

10 Yes when a Mortgage Originator Support Registrant was used.

Integer

98 IsTRIDLoan 3969 Identify if the loan processed as a TRID loan. A value entered in this field will override the TRID determination that the NCCOB system performs.

• true

• false

5 Yes when the Occupancy = InvestmentProperty

Boolean

Field#



Max # ofCharac-ters

Required Data Type


Required Field Notes

1 Not required when there is an adverse action date or withdrawn date within 3 business days of the application date (earliest of the AppReceivedByFundingEntityDate or AppReceivedByOriginatingEntityDate).

2 Not required when MortgageType = Reverse.

3 Not required when LoanPurpose = Refinance.

4 Not required when MortgageType = HELOC.

5 Not required when LoanPurpose = ConstructionToPerm or ConstructionOnly.

6 Not required when loan originated by a broker.

7 Not required when loan regulated by TILA-RESPA Integrated Disclosure (TRID). Loan regulated by TRID when AppReceivedByOriginatingEntityDate on or after 10/3/2015 and Mortgage Type not “Reverse” and Mortgage Type not “HELOC” and Occupancy not “InvestmentProperty” and PropertyType not Chattel.

8 Only required when loan regulated by TILA-RESPA Integrated Disclosure (TRID). Loan regulated by TRID when AppReceivedByOriginatingEntityDate on or after 10/3/2015 and Mortgage Type not “Reverse” and Mortgage Type not “HELOC” and Occupancy not “Investment Property”and PropertyType not Chattel.


Documents

Generating and Uploading North Carolina Compliance Reportshelp.elliemae.com/DocumentationLibrary/360/NCCompReport.pdfGenerating and Uploading North Carolina Compliance Reports 2 When