Application Sync refers to the initial data collection of borrower information. The initial data export from Blend to Encompass uses the MISMO v3.4 file.

Field Mappings

A field mapping is linking a field from Encompass to Blend. There are standard field mappings and field mapping customizations which are additions to the integration that map to an Encompass custom field.  Blend offers a limited set of pre-defined custom mappings that have been requested by customers over time.

Event Based Loan Exports

This is a feature to the Blend integration that facilitates the automatic syncing of data and documents between Blend and Encompass based on specific events. 

Once loan data and documents have been collected, there are three ways to export and sync data to Encompass. Any one of the following three events can trigger the initial data export: 

1. Borrower submits application: Once the Loan Officer (LO) sends the borrower an invitation to complete the application and the borrower logs in, the LO will not be able to edit the Application screen as long as the borrower is working on the application. Upon completion of the loan application, the borrower submits the loan application. At this time, a loan file is created and transferred to Encompass along with the loan application data and corresponding documents.

2. Lender exports application: Lender completes the application and exports to the LOS upon submit.  At this time, a loan file is created and transferred to Encompass along with the loan application data and corresponding documents.

3. TRID is triggered in Blend: TRID is “triggered” when the lender or borrower enters and submits the six pieces of information that compose a TRID application (Address (property), Loan Amount, Income, Estimated Property Value, Name, and Social Security Number). When TRID is triggered, a loan file is created and transferred to Encompass along with the loan application data and corresponding documents. 

Please contact your Blend representative if you’d like to make any changes to the event based exports. It is possible to turn off specific events. 

eConsent

Blend has the ability to update loan level eConsent in Encompass when it is given in Blend.

Intent to Proceed

Blend has the ability to trigger an Intent to Proceed task when an initial disclosures package is delivered to Blend.  If the Intent to Proceed task is confirmed by the borrower, Encompass can be updated.

Credit/AUS Reissue
If credit or AUS is run in Blend, Blend can also reissue credit and/or AUS in Blend. This ensures that supplemental data is made available in Encompass and simplifies credit and AUS runs in Encompass postTRID.

Credit reissue will occur as follows:

• credit pulls upon borrower submit

• after a lender manually exports a loan or when the TRID timer expires if credit pulled prior to export 

• credit pulls that happen post initial export with loan updates enabled

More information about Credit and AUS Reissue can be found in this article. 

Borrower Preferred Closing Method

If customers have enabled the optional feature that allows borrowers to share their preferred closing method, Blend can sync this preference to Encompass and write it to a custom field (CX.BLEND.CLOSINGPREFERENCE). Customers must configure this custom string field in their Encompass environment before this sync can be enabled. This field has a character limit of 20. 

eNote Signed Date

For customers who are using eNotes, the date/time (UTC) that an eNote is signed can be synced to a custom field in Encompass (CX.BLEND.ENOTESIGNED). Customers must configure this custom string field in their Encompass environment before this sync can be enabled. 

Pre-Approval Letter (PAL) Sent Date

For customers who are sending Pre-Approval Letters from Blend and who have enabled the optional feature that emits event notifications when PALs are generated, the date/time (in UTC) that the PAL is generated can be synced to a custom field in Encompass (CX.BLEND.PALDATE). Customers must configure this custom string field in their Encompass environment before this sync can be enabled.