Total Quality Loan® Program

Increase and ensure the quality of your pipeline.

Get a best-practice workflow that delivers compliance, quality, and efficiency throughout the loan lifecycle.


Leverage the power of integration

Order services from best of breed providers from one screen to more easily and more quickly ensure loan quality, reduce human error and increase transparency throughout the loan lifecycle. TQL includes:

Encompass Compliance Service

Provides automated compliance checks, for KBYO, ATR/QM, HOEPA, HMDA, FHA, TILA and NMLS licensing early and often during the loan lifecycle to uncover any compliance concerns. Provides access to software to monitor compliance with residential mortgage lending laws and regulations and customized client-defined parameters and generate reports of mortgage compliance status.

Encompass 4506-C Service

Income verification enables you to order tax return data from the IRS electronically and receive reports in as few as 24 hours

Encompass Fraud Service

Assesses and evaluates early payment default, loss severity risk, fraud detection scoring and data alerts

Encompass Flood Service

Validates a property’s flood zone and helps speed the loan process with electronic order and secure transfer of flood risk products

Encompass MI Service

Fully integrated in our Encompass Digital Mortgage Solution, helping lenders automatically get rate quotes, request certifications and easily compare rate quotes from specified vendors

TQL® Overview

Create error-free loans from start to finish

The traditional loan process is infamous for manual data entry and very little collaboration—characteristics that lead to overall loan quality issues, fraud and defects. Without common review processes and loan file standards, loan quality errors can lead to suspense conditions and huge delays, driving costs up and affecting your productivity.

Moreover, rules from the CFPB, the OCC, FDIC and individual state agencies are leading to increased oversight and heightened standards for quality. Investors move swiftly to require buybacks if they suspect fraudulent information or documentation. Today, lenders aren’t simply required to have controls for loan quality in place; they must show and prove that controls exist in each individual loan.

Benefit from accurate performance measurement

Provide management with complete control to monitor quality at the organizational and individual contributor levels. TQL® provides reporting and dashboards to help you identify trends and communicate expectations across your organization, giving you insight into who is generating quality loans and who isn’t. This insight helps to create training opportunities to help maximize performance.

TQL® helps you address risk, quality and consistency by:

  • Eliminating manual data re-entry
  • Reducing investor suspense conditions
  • Reducing the number of underwriting conditions
  • Minimizing resource and labor costs
  • Driving efficiencies and boosting productivity
  • Reducing costs, fines and buybacks
  • No additional cost to Encompass users
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