Lender Toolkit Help Docs

The MERS Automation plugin within Lender Toolkit’s PowerTools™ simplifies the process of registering loans with MERS. Once configured, the plugin operates in the background, automatically registering loans based on a selected trigger. This automation reduces manual effort and saves time.

Administrators have full control over when and how the tool runs, while the plugin manages the registration process end to end.

Benefits

This automation reduces manual work, saves time and improves accuracy.

Activation

To turn this tool on:

1. Log in to Encompass® as a Super Admin.

2. Open LTK PowerTools™ from the Encompass® menu. Confirm the license includes the Optimized or Enterprise Tier.

3. Click Settings > PowerTools™ Optimized tab.

4. Turn on the MERS Automation by clicking On.

Important: After activation of the Tool, be sure to wait for the prompt stating that the download is complete prior to continuing.

5. Ensure a license number populated and restart Encompass®.

Admin Settings

Open a loan (preferably a test loan) and go to the Admin – MERS Automation form.
Click Admin Settings.
Add MERS Login credentials.

Enter ORG ID, ORG PW, and Company Name.
Select the Default Login checkbox (if applicable).
Click Add Login.

IMPORTANT: XML login access must be requested and activated directly through MERS.

In the Admin User ID’s field, enter the Encompass® user IDs (comma-separated) of those who should have access to the settings.

5. Enter the Funding Date Field ID (e.g., 1997) that represents the loan’s funded date. Virtual

fields such as milestone dates should be avoided in favor of standard or custom fields

for accuracy.

6. Enter the MERS URL:

Production URL (For live registrations)

https://www.mersonline.org/mers/api/processxml.jsp

Training URL (For testing purposes)

https://www.mersonlinetraining.org/merstraining/api/processxml.jsp

Once all settings are completed, click Save and restart Encompass®.

Using MERS Automation

Automated Registration via Business Rules

To automatically trigger registration, a Field Trigger Business Rule must be created that populates the following fields:

CX.MERS.IN.ORGID – Specifies which MERS login will be used.
CX.MERS.IN.SHOW.MSG – Set to “Y” to display a registration statis popup..
CX.MERS.COMMIT – Set to “Y” to initiate registration.

Registration can also be initiated manually by selecting the CX.MERS.COMMIT checkbox on the input form.

Required Fields for Registration

Ensure the following fields are completed before triggering registration:

MERS MIN Number [1051]
Total Loan Amount [2]
Subject Property Address [11–15]
Occupancy Status [1811]
Lien Position [420]
Note Date [L770]
Borrower Info [4000, 4002, 65]
Coborrower Info [4004, 4006, 97] (if applicable)
Funded Date (based on your selected Field ID)

Tracking & Reporting

The Admin – MERS Automation form also includes fields for:

Servicer ID
Investor ID
Interim ID

When populated, these fields are transmitted as part of the registration.

After registration, the plugin returns detailed response data to custom fields, enabling reporting, auditing and compliance validation.

Installed Components

Custom Form: Admin-MERS Automation
Codebase Assemblies: None
Custom Data Objects: MersTransferSettings.xml
Plugins: LTK-MERSPlugin.dll

Custom Fields Created:

Fields:	Description	Format/Type	Max Length
CX.MERS.COMMIT	Used to run MERS Registration	Y/N
CX.MERS.IN.SHOW.MSG	MERS Response Message successful	Y/N
CX.MERS.RESP.MESSAGE	MERS Response Message	String	1000
CX.MERS.RESP.CONDITION	MERS Response Condition	String	100
CX.MERS.RESP.TRANSID	MERS Response Transaction ID	String	100
CX.MERS.IN.ORGID	Your MERS ORG ID	String	20
CX.MERS.WEB.REQUEST	MERS Complete Web Request XML	String	20000
CX.MERS.IN.INVESTOR.ID	MERS Investor ID	String	20
CX.MERS.RESP.CODE	MERS Response Code	String	40
CX.MERS.IN.SERVICER.ID	MERS Servicer ID	String	20
CX.MERS.IN.INTERIM.ID	MERS Interim ID	String	20
CX.MERS.WEB.RESPONSE	MERS Complete Web Response XML	String	20000

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