Release Notes

In this release, we've added a Doc Expiration tab in Inspect for tracking document age against Fannie Mae and Freddie Mac limits, a Conditions API with two new webhook events for non-Encompass users, Income PDF and ZIP endpoints for downloading a Book's income analysis via API, a new endpoint to upload MISMO XML to Book, a new endpoint to run Docs-to-Digital on a Plaid JSON already uploaded to a Book without re-uploading it, and expanded Classify and Capture support for new attributes.

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What's new?

Analyze - Mortgage

Doc Expiration tab in Inspect

A new Doc expiration tab is now available in Inspect. The tab evaluates tracked documents in the loan file against Fannie Mae or Freddie Mac age requirements, measured against the closing date, and assigns each documentone of the following statuses: Expired, Recertification needed, Expiring soon, Valid, Unknown, or Pending.

The tab label displays a count badge showing the number of documents that require attention. Where a document is expired, expiring soon, or requires recertification, a condition can be created directly from the document row.

This feature requires the Doc Expiration entitlement and an active Automated Conditions subscription. It applies to conventional and GSE loans only. Importing conditions to Encompass depends on whether the Encompass integration is enabled for the organisation.

To learn more, see Doc Expiration guide.

Conditions API

Non-Encompass clients can now manage loan conditions on an Ocrolus Book programmatically via the following four new REST endpoints:

• GET /v2/book/{book_uuid}/conditions : List all conditions on a Book, with
  optional status filtering.
• POST /v2/book/{book_uuid}/conditions : Create a new condition.
• PUT /v2/book/{book_uuid}/conditions/{condition_uuid} : Partially update an
  existing condition.
• DELETE /v2/book/{book_uuid}/conditions/{condition_uuid} : Soft-delete a
  condition. The condition is set to Cleared status and its history is preserved.

Lenders on other loan origination systems who previously had no programmatic path to conditions can now list, create, update, and remove conditions directly through the API, without using
the Inspect Dashboard.

Two new webhook events are also available to notify your system when conditions change on a Book:

• automated_condition.generated: Triggered when automated conditions are successfully generated for a Book.
• automated_condition.updated: Triggered when one or more automated conditions on a Book are updated.

To learn more, see Conditions API API and Conditions guide.

Income PDF and Income ZIP via API

API-first clients can now generate and download the income analysis PDF for a Book programmatically, without an Encompass eFolder push or a manual Dashboard download. The PDF is delivered in a ZIP archive. The following endpoints are now available:

• POST /v2/book/{book_uuid}/income/zip : Start generating the ZIP. Generation is asynchronous. The request returns 202 with a PROCESSING status and a Retry-After header. If a ZIP for the same options already exists, the request returns 200 with a COMPLETED status.
• GET /v2/book/{book_uuid}/income/zip : Download the ZIP once generation is complete. The request does not start a new job.

Call POST first, then poll GET until it returns 200. To learn more see, Income API documentation.

Upload MISMO XML to Book via API

You can now upload loan data in MISMO (Mortgage Industry Standards Maintenance Organization) XML format directly to a Book using the new Upload MISMO XML to Book endpoint, POST /v1/book/upload/mismo.

Send one MISMO XML file per request as a multipart/form-data payload, along with the book_uuid of an existing Book. Ocrolus stores the file and processes it asynchronously. To learn more, see Upload MISMO XML to Book API reference page.

SMB

Run Docs-to-Digital on an existing Plaid JSON

We've added a new API endpoint that lets you trigger a Docs-to-Digital comparison on a Plaid JSON document that's already uploaded to a Book, without re-uploading the file. This is especially useful when a Plaid JSON was uploaded with upload_intent=add_analytics (or before Docs-to-Digital intent was set), and you now want to compare it against the Book's bank statement data.

The following new API endpoint is available to support this functionality:

To use this endpoint, get the document UUID of the previously uploaded Plaid JSON from the Book information or Book list endpoint, then call this new endpoint with the Book's book_uuid and the document UUID(s).

To learn more, see the Ocrolus API flow guide and the Run Docs-to-Digital on an Existing Plaid JSON API reference.

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Enhancements

Classify and Capture

Additional attribute support

Ocrolus now offers support for the following attribute within the existing document type: