Compliance Central

Welcome to Ellie Mae Compliance Central. Here you’ll find videos, presentations, reports, whitepapers, webinars and other resources to help you learn about the changes taking place in mortgage laws and regulations that will become part of Ellie Mae products and services. Bookmark this page and check back often for updates.

URLA Bird

How will the new Uniform Residential Loan Application (URLA) affect your organization? Ellie Mae has you covered.

Nearly every mortgage application is collected on Form 1003 or Form 65 and the format has not changed significantly in the last 20 years. Fannie Mae and Freddie Mac, with the assistance of their regulatory body, the Federal Housing Finance Agency (FHFA), have significantly redesigned the form. The new form will be mandated for all loan applications sold to government-sponsored enterprises (GSEs) beginning February 2020.

The redesigned URLA takes a design thinking approach, with dynamic form collecting and a presentation of data tailored to the individual borrower and loan scenario. The goal? To provide greater efficiency, transparency and certainty for future homebuyers applying for mortgage loans and greater consistency for lenders who sell to both Fannie Mae and Freddie Mac.

Ellie Mae is always ahead of any new compliance and industry change and the new URLA is no exception. We’ll help you fully understand the impact of the URLA and how it will affect your business processes.

HDMA Insights

Get essential HMDA insights and be prepared

Ready for years of upcoming Home Mortgage Disclosure Act (HMDA) changes? We’ve got your back with a range of resources, including our HMDA brief, whitepaper, FAQ, and on-demand and live webinars.

Learn all you need from Ellie Mae compliance experts about the updated regulation, how Ellie Mae is supporting the regulation, and gain insight on what your management and staff need to be doing now to get ready.

Know Before You Owe questions and more importantly, answers

John Haring

Angela Creek

VP & Counsel, Product Compliance

John Haring

John Haring

Director, Compliance Enablement

Our compliance experts

Ellie Mae’s industry-recognized compliance experts and counsel ensure our clients remain successful in an increasingly complex and controlled mortgage market. They regularly collaborate with the CFPB, GSEs and mortgage investors to analyze and interpret federal, state and local regulations to ensure Ellie Mae’s technology is properly updated so our clients can automate compliance with new rules the moment they take effect.

Helmed by Angela Creek, one of HousingWire’s 2013 Women of Influence, Ellie Mae compliance team members are frequent panelists and guests at industry events, including the MBA’s Annual, Regulatory and Technology conferences.

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Compliance Resource Library

Useful tools and resources to help you learn about the industry and the role Encompass plays in helping you comply with changing rules and regulations, realize operational efficiencies, and make high-quality loans.