V3 Contracts

ExtOrgContract

ATTRIBUTE	DESCRIPTION
id integer	RetrieveOnly. Unique Identifier of the Third-Party Originator (TPO) company / external organization. Required for retrieving, updating, or deleting the org details or orgId.
tpoId string	RetrieveOnly. System generated unique identifier for the TPO company and its branches in its hierarchy.
parentOrg EntityReference	RetrieveOnly. Details about the parent organization provided by the EntityReferenceContract.
childOrganizations Array [EntityReference]	RetrieveOnly. Details about the child organizations provided by the EntityReferenceContract.
primarySalesRepAe ExtOrgSaleRepAeContract	Required. Indicates your company’s account executive assigned to this TPO as a primary sales representative. An external organization must have an associated primary sales representative. Details are provided in ExtOrgSaleRepAeContract.
Name string	Name of the TPO company. This is the unique identifier for the company. Maximum length is 128 characters.
hierarchyPath string	RetrieveOnly. Represents the hierarchy path from root level for the current organization. Example: Third Party Originators\Loan Officers
isLoginDisabled boolean	Indicates if the TPO company is deactivated.
isMfaEnabled boolean	Indicates if multi-factor authentication (MFA) is required for the TPO company connect sites.
brokerOptions string	Used to select whether you want to "Disable Fee Management" for your brokers (default), enable them to "Request LE & Disclosures" or enable them to "Generate LE & Disclosures". Only one option can be selected. Enum: DisableFeeManagement, RequestLEAndDisclosures, GenerateLE, GenerateLEAndDisclosures
companyDetails ExtOrgCompanyDetailsContract	Indicates the basic and corporate information related to the TPO company. Details are provided in ExtOrgCompanyDetailsContract.
basicInfo ExtOrgBasicInfoContract	Indicates the additional information like Rate Lock, Product and Pricing, Approval Status, and Business information related to the TPO company. Details are provided in ExtOrgBasicInfoContract.
dba ExtOrgDbaContract	Used for managing multiple DBA (Doing Business As) names associated with the TPO company. Authorized users can add, edit, delete, and arrange the sequence of DBA names displayed in the DBA list. You can also indicate the default DBA for the TPO company. Details are provided in ExtOrgDbaContract.
warehouse ExtOrgWarehouseContract	Used to manage the warehouse banks associated with this TPO. Authorized users have the ability to select from a list of banks set up by the Encompass administrator in the Banks setting. Details are provided in ExtOrgWarehouseDetailsContract. You can also update business information related to the bank, include notes, and update contact information associated with the bank. Note: A new API endpoint will be provided in a future release to retrieve the list of warehouse banks.

EntityReferenceContract

ATTRIBUTE	DESCRIPTION
entityId string	Unique identifier of the particular entity.
entityName string	Name of the particular entity.
entityType string	If the entity reference is for the primary sales representative, the entity type will be either External User or User. If the object is Warehouse bank, then the entity type will be Bank.

ExtOrgSaleRepAeContract

ATTRIBUTE	DESCRIPTION
user SalesRepEntityReferenceContract	Required. The primary sales representative user for the current organization. Details are provided in SalesRepEntityReferenceContract.
assignedDate string	Assigned date of the primary sales representative user for the current organization. Indicates the date that the Account Executive (AE) was assigned to their client. Date format: yyyy-MM-dd

ExtOrgCompanyDetailsContract

ATTRIBUTE	DESCRIPTION
useParentInfo boolean	Indicates that the values of all Company details properties will be inherited from the Parent organization. Usage Note: For the root organization, Use Parent Info is not applicable. In addition, if the request payload contains Use Parent Info in the root organization, the API will fail with error as bad request. Under company details, if Use Parent Info property is set as true, the API will fetch some of the dependent required properties from its parent. Hence, this property becomes required under Company details object.
type string	Indicates the type of organization. Enum: Company, CompanyExtension, Branch, BranchExtension - The value CompanyExtension or Branch is allowed only when the current org is under Company. - The value BranchExtension is allowed only when the current org is under Branch. - The value Company is allowed only when the current org is at root level. - If Use Parent Info is set as true and the parent organization is Company, the current org will be set as CompanyExtension. - If use parent info is set as true and the parent organization is Branch, the current org will be set as BranchExtension.
channels Array[string]	Required. Identifies the type of TPO Company. Allowed Values: Broker, Correspondent or both. An External Org must have Channel type defined. Hence, from the business validation point of view, this is required to be in the request body for creating the TPO Company.
underwritingTypes Array[string]	Identifies the type of TPO Company. This is a conditionally required property. When the channel is selected as Correspondent, the underwriting type is Required. Allowed Values: Delegated, Non-Delegated
tpoManager EntityReferenceContract	The TPO company contact who creates and manages the TPO company contacts on your TPO WebCenter website and to whom the Welcome emails will be sent. Details are provided in EntityReferenceContract.
timeZone string	Required. Indicates the time zone of the TPO organization to help determine when the purchasing wire cut off time is. Timezone is required to be defined for the External org. Enum: HawaiiTime, AlaskaTime, PacificTime, ArizonaTime, MountainTime, CentralTime, EasternTime
noAfterHourWires boolean	Indicates that this organization does not accept wire transfers sent outside of normal business operating hours. This enables lenders to indicate that they prefer to receive wire transfers only during funding hours and simplify the reconciliation process.
canAcceptFirstPayments boolean	Indicates that the seller is approved to accept first payments.
organizationId string	The organization code of the TPO company.
companyOwnerName string	The name of the owner of the TPO company.
companyLegalName string	The name of the TPO company. This may be same as the Organization name (API field 'name') above. An External Organization must have a Legal Name. Hence, from the business validation point of view, this is required to be in the request body for creating the TPO Company.
address ExtOrgAddressContract	The address of the TPO company. Details are provided in ExtOrgAddressContract.
billingAddress ExtOrgBillingAddressContract	The TPO company’s corporate billing address. Details are provided in ExtOrgAddressContract.
phone string	Required. The TPO company’s phone number. PhoneNumber format: ###-###-#### ####
fax string	The TPO company’s fax number. PhoneNumber format: ###-###-#### ####
email string	The TPO company’s email address. EmailAddress format: ######@####.###
website string	The TPO company's website.
visibleOnTpoConnect boolean	This field is applicable when the organization type is either company extension or branch extension. In addition, indicates if this organization to be visible on TPOWC. This is no longer in use by TPOC.
lastLoanSubmittedDate string	RetrieveOnly. The date a loan was last submitted by the TPO company. DateTime format: yyyy-MM-ddTHH:mm:ssZ

ExtOrgBasicInfoContract

ATTRIBUTE	DESCRIPTION
rateLockInfo ExtOrgRateSheetLockInfoContract	Indicates the TPO company's email address(es) and fax number(s) the system uses to send the Rate Sheet and Lock information. Details are provided in ExtOrgRateSheetLockInfoContract.
productAndPricing ExtOrgPricingContract	Enables multiple price groups to be applied to a TPO company. Details are provided in ExtOrgRateSheetLockInfoContract .
approvalStatus ExtOrgApprovalStatusContract	Indicates the details related to the TPO company’s approval status with your company. The Current Status and Company Rating fields in this object have customizable values and can be configured by your Encompass administrator using TPO Settings. These values can be fetched using the following APIs: V3 Get Company Status V3 Get Company Rating V3 Get Company Price Groups
businessInformation ExtOrgBusinessInfoContract	Indicates the TPO company’s general business information such as if the company is incorporated, state in which it is incorporated, LEI, NMLS ID, whether the company is DU Sponsored, and whether the company is LPA Sponsored. Details are provided in ExtOrgBusinessInfoContract.

ExtOrgDbaContract

ATTRIBUTE	DESCRIPTION
useParentInfo boolean	Indicates whether the parent company information is used for this TPO company. Enabling this field will inherit the values of the properties of DBA object from its parent organization.
dbaDetails Array[ExtOrgDbaDetailsContract]	Information about the DBA. Details are provided in ExtOrgDbaDetailsContract.

ExtOrgWarehouseContract

ATTRIBUTE	DESCRIPTION
useParentInfo boolean	Indicates whether the parent company information is used for this TPO company. Enabling this field will inherit the values of these properties of Warehouse object from its parent organization. For the first level of Orgs (list of orgs that are created directly under the Third Party Originators) useParentInfo cannot be passed in the request payload. If passed, the API will fail with error. If initially for child org, useParentInfo is set true and user is setting useParentInfo as false, then data which was inherited from parent stays as it is if no data is passed explicitly, it does not get deleted. If initially for child org, useParentInfo is set to false and user is updating to true, then data of child is replaced by parent's data.
warehouseDetails Array[ExtOrgWarehouseDetailsContract]	Used to manage the warehouse banks associated with this TPO company. Authorized users can select from a list of banks set up by the Encompass administrator in the Banks setting. You can also update business information related to the bank, include notes, and update contact information associated with the bank. Note: A new API endpoint will be provided in a future release to retrieve the list of warehouse banks.

ATTRIBUTE

DESCRIPTION

useParentInfo
boolean

Indicates whether the parent company information is used for this TPO company. Enabling this field will inherit the values of these properties of Warehouse object from its parent organization.

For the first level of Orgs (list of orgs that are created directly under the Third Party Originators) useParentInfo cannot be passed in the request payload. If passed, the API will fail with error.

If initially for child org, useParentInfo is set true and user is setting useParentInfo as false, then data which was inherited from parent stays as it is if no data is passed explicitly, it does not get deleted.

If initially for child org, useParentInfo is set to false and user is updating to true, then data of child is replaced by parent's data.

warehouseDetails
Array[ExtOrgWarehouseDetailsContract]

Used to manage the warehouse banks associated with this TPO company. Authorized users can select from a list of banks set up by the Encompass administrator in the Banks setting. You can also update business information related to the bank, include notes, and update contact information associated with the bank.

Note: A new API endpoint will be provided in a future release to retrieve the list of warehouse banks.

SalesRepEntityReferenceContract

ATTRIBUTE	DESCRIPTION
entityId string	Unique identifier of the associated primary sales representative user for the current organization.
entityName string	RetrieveOnly. Name of the associated primary sales representative user for the current organization.
entityUri string	RetrieveOnly. The Uniform Resource Identifier (URI) for the entity.
entityType string	Entity type is always set to User. Allowed values: User, Externaluser
personas Array[EntityReferenceContract]	RetrieveOnly. Details are provided in Entity Reference Contract for Personas.
phone string	RetrieveOnly. Phone number of the associated primary sales representative user.
email string	RetrieveOnly. Email of the associated primary sales representative user.

ExtOrgAddressContract

ATTRIBUTE	DESCRIPTION
city string	Required. The TPO company’s corporate contact city information.
state string	Required. The TPO company’s corporate contact state information.
street1 string	Required. The TPO company’s corporate contact street address one information.
street2 string	Required. The TPO company’s corporate contact street address two information.
zip string	Required. The TPO company’s corporate contact zip code information. Zip Code format: ##### -####

ExtOrgBillingAddressContract

ATTRIBUTE	DESCRIPTION
city string	Required. The TPO company’s billing city information.
state string	Required. The TPO company’s billing state information.
street1 string	Required. The TPO company’s billing street address one information.
street2 string	Required. The TPO company’s billing street address two information.
zip string	Required. The TPO company’s billing zip code information. Zip Code format: ##### -####

ExtOrgRateSheetLockInfoContract

ATTRIBUTE	DESCRIPTION
useParentInfo boolean	Indicates that values of the rateLockInfo object properties will be inherited from the Parent organization.
rateSheetEmail string	The email address for the rate sheet. EmailAddress format: ######@####.###
rateSheetFax string	The fax number address for the rate sheet. PhoneNumber format: ### -###-#### ####
lockInfoEmail string	The email address for the lock information. EmailAddress format: ######@####.###
lockInfoFax string	The fax number address for the lock information. PhoneNumber format: ### -###-#### ####

ExtOrgPricingContract

ATTRIBUTE	DESCRIPTION
useParentInfo boolean	Indicates that values of the productAndPricing object properties will be inherited from the Parent organization.
broker ExtSettingReferenceContract	ValidEntityType(EntityRefTypeContract.Application)
delegated ExtSettingReferenceContract	ValidEntityType(EntityRefTypeContract.Application) Note: Price groups can only be applied if the corresponding channels have been enabled.
nonDelegated ExtSettingReferenceContract	ValidEntityType(EntityRefTypeContract.Application) Note: Price groups can only be applied if the corresponding channels have been enabled.
eppsUserName string	Encompass Product & Pricing Service (EPPS) user name.
eppsCompModel string	EPPS comp model. Enum: BorrowerOnly, CreditorOnly, BorrowerOrCreditor

ExtOrgApprovalStatusContract

ATTRIBUTE	DESCRIPTION
useParentInfo boolean	Indicates that values of the approvalStatus object properties will be inherited from the Parent organization.
currentStatus EntityReferenceContract	ValidEntityType(EntityRefTypeContract.Application) Note: The Current Status and Company Rating fields have customizable values and can be configured by your Encompass administrator using TPO Settings.
addToWatchlist boolean	Indicates whether the company should be tracked and monitored on the Watch List. Allowed values: true, false
currentStatusDate string	Indicates the status changed date. User can manually set date for this field. Hence, API will not automatically set this date field on changing the Current status property. Date format: yyyy-MM-dd
approvedDate string	Indicates when the TPO was approved by your company. Date format: yyyy-MM-dd
applicationDate string	Indicates the date of the application. Date format: yyyy-MM-dd
companyRating EntityReferenceContract	ValidEntityType(EntityRefTypeContract.Application Note: The Current Status and Company Rating fields have customizable values and can be configured by your Encompass administrator using TPO Settings.

ExtOrgBusinessInfoContract

ATTRIBUTE	DESCRIPTION
useParentInfo boolean	Indicates that values of the BusinessInfo object properties will be inherited from the Parent organization.
isIncorporated boolean	Indicates if the company is incorporated or not.
stateOfIncorporation string	Indicates the state in which the company is incorporated. Enum: AL, AK, AZ, AR, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY, VI, GU, PR
dateOfIncorporation string	Indicates the date on which the company is incorporated. Date format: yyyy-MM-dd
yearsInBusiness string	RetrieveOnly. Calculates the TPO company’s years in business based on the current date and the date entered in the Date of Incorporation field.
typeOfEntity string	Type of business entity. Enum: Individual, SoleProprietorship, Partnership, Corporation, LimitedLiabilityCompany, Other
otherEntityDescription string	Other Entity description.
taxId string	Tax identification number of the business. Note: The value should follow the format. Examples: When use SSN format is true: 123-44-4444. When use SSN format is false: 12-3444444
useSsnFormat boolean	Indicates if the Tax ID should follow the SSN format or not.
lei string	General business information - LEI. AlphanumericField
nmlsId string	General business information - NMLS ID.
financialsPeriod string	General business information - Financials Period.
financialsLastUpdate string	Date the general business information financials last updated. Date format: yyyy-MM-dd Range: (0-1E+17)
companyNetWorth integer	General business information such as company net worth.
eoExpirationDate string	Errors and Omissions (E&O) insurance company expiration date. Date format: yyyy-MM-dd
eoCompany string	E&O insurance company.
eoPolicyNumber string	E&O policy number.
mersOriginatingOrgId string	Mortgage Electronic Registration Systems (MERS) originating organization ID.
isDuSponsored boolean	Indicates if company is Fannie Mae Desktop Underwriter (DU) sponsored.
isLpaSponsored boolean	Indicates if company is Freddie Mac Loan Prospector (LPA) sponsored.
lpaSponsoredDetails LpaSponsoredDetailsContract	LPA details provided in ExtOrgLpaSponsoredContract.
canCloseInOwnName boolean	Indicates whether the company can fund in their own name.
canCloseInOwnName boolean	Indicates whether the company can close in their own name.

ExtOrgDbaDetailsContract

ATTRIBUTE	DESCRIPTION
id integer	This is the unique identifier of the Doing Business As (DBA) record for the TPO company. - Required for updating or deleting the DBA record. For action is update/delete/reorder - If the data is repeated (a dbaId is appearing more than once in request payload), the API will fail with error. - Not required for adding DBA record.
name string	Name of the DBA record. - Required for adding DBA record. - Not required for updating or deleting DBA record. - The DBA Name maximum value is 256 characters. - DBA name is not unique within organization. There can be more than one DBA with the same name.
isDefault boolean	Indicates if the given DBA (Doing Business As) is the default DBA for the TPO company. Note: Only one default DBA is allowed for the organization.

ExtOrgWarehouseDetailsContract

ATTRIBUTE	DESCRIPTION
bank EntityReferenceContract	Indicates the bank assigned as the warehouse of the TPO company.
id integer	Unique identifier of the warehouse bank.
statusDate string	Status date of the warehouse bank. Date format: yyyy-MM-dd To clear the value of the statusDate, the user needs to pass the null value explicitly.
isApproved boolean	Indicates if the warehouse bank is approved for the TPO Company
accountNumber string	Account number of the particular warehouse bank of TPO company.
accountName string	Account name of the particular warehouse bank of TPO company. Maximum length is 256 characters.
creditAccountNumber string	Credit account number of the particular warehouse bank of the TPO company.
creditAccountName string	Credit account name of the particular warehouse bank of the TPO company.
description string	Description of the particular warehouse bank of the TPO company.
baileeExpiration string	The bailee expiration deadline date. Date format: yyyy-MM-dd
selfFunder boolean	Indicates if the correspondent warehouse bank is a self-funding bank.
baileeLetterReq boolean	Indicates if the correspondent warehouse bank bailee letter is required.
triParty boolean contact ExtOrgWarehouseContactContract	Indicates if the correspondent warehouse bank tri-party contact contract is included.
notes string	The correspondent warehouse bank note field contents.

ExtSettingReferenceContract

ATTRIBUTE	DESCRIPTION
entityId string	Required. Unique identifier of the entity.
entityName string	RetrieveOnly. Name of the entity.
entityUri string	RetrieveOnly. The Uniform Resource Identifier (URI) for the entity.
entityType string	The entity type.
settingCode string	RetrieveOnly. The setting code of the entity.

ExtOrgLpaSponsoredContract

ATTRIBUTE	DESCRIPTION
lpaTpoNumber string	Loan Prospector (LPA) TPO company number.
tpoLpaPassword string	Loan Prospector (LPA) TPO company credential.

ExtOrgWarehouseContactContract

ATTRIBUTE	DESCRIPTION
useBankContact boolean	Indicates if Use Bank Contact is selected.
name string	ReadOnly if useBankContact = True. This attribute is read only if useBankContact is set as true.
email string	ReadOnly if useBankContact = True. [EmailAddress: ######@####.###] [MaxLength] This attribute is read only if useBankContact is set as true.
phone string	ReadOnly if useBankContact = True. [PhoneNumber: ###-###-#### ####] This attribute is read only if useBankContact is set as true.
fax string	ReadOnly if useBankContact = True. [PhoneNumber: ###-###-#### ####] This attribute is read only if useBankContact is set as true.