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Actualize Product Suite Triden Toolkit with TransforM-x

Product Life Cycle. What is the Industry Problem Statement. How Actualize Solved the problem. Resulting Product Suite. What is the industry problem statement…. In 2013 the mortgage industry was faced with a new very impactful regulation issued by the CFPB, Integrated mortgage Disclosure Regulation.

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Actualize Product Suite Triden Toolkit with TransforM-x

Presentation on theme: "Actualize Product Suite Triden Toolkit with TransforM-x"— Presentation transcript:


Actualize Product Suite

Triden Toolkit with TransforM-xSlide2

Product Life Cycle

What is the Industry Problem Statement

How Actualize Solved the problem

Resulting Product SuiteSlide3

What is the industry problem statement…

In 2013 the mortgage industry was faced with a new very impactful regulation issued by the CFPB, Integrated mortgage Disclosure Regulation

Know Before You Owe RegulationSlide4

Origination was changed forever…..

OLD HUD-1, GFE and


Borrowers receive a HUD-1

Typically at the Closing table

Surprises occur…..

Borrowers Receive a Good Faith EstimateBorrowers Receive the Truth in Lending documentation

NEW Loan Estimate & Closing Disclosure Forms

Replaces the HUD-1, GFE and TILNew Timing of forms to be presented to the borrowers1888 page regulation to review and update policies, procedures, systems and dataInvestors requiring UCD which is the data set to support the TRID rule.Slide5

TRIDen Toolkit w/TransformX Product LifecycleSlide6

As key consulting professionals for the GSE


(Freddie Mac and Fannie Mae) – Our resources consumed and used the regulations for 3 years

How Actualize solves the problem…

As an output of Actualize Resources supporting the GSEs, we found the issues that would be problematic to the industry, issues that might occur when a user is trying to implement the regulation as well as the U-file data set required by investors….

So WE created a solution that provides a user…

The ability to utilize the data in which they already had in house through import functions

The ability to manually key in the information (all or some)

The ability to calculate certain areas of the form; i.e. Projected Payments, Calculating Cash To Close and Fee Section Totals, Loan Calculations. Calculations that would typically cause human error

The ability to validate all required information is in the tool; specifically those items key to the GSEs

The ability to create the UCD XML file

The ability to create the Loan Estimate and Closing Disclosure Forms that are sent to the Borrower in a PDF format

The ability to submit the UCD XML file directly to the GSEsSlide7

TRIDen Toolkit

Provides a total End to End Solution for the large, mid-sized and small lenders

Various Implementation Styles (Excel VBA or JAVA Web Application)

Each implementation style provides the Forms (LE and CD) AND UCD XML file to submit to the GSEs

Upload data or conduct manual data entry or both functions

Two levels of Validation; First to the UCD Specification Conditionality and Second to the MISMO Reference modelSlide8

TransformX Web Service

Don’t need the User Interface or to create the form? But you do need to submit the UCD data set to Freddie Mac or Fannie Mae?



consume your data using a template to upload data into the tool, conduct the 2 levels of validation, create the UCD XML file and Submit to the GSEs

Actualize supplies the template to clients

Validation to the MISMO Reference model xml Schema

Validation to the UCD latest specification

Direct Integration with FRE, Save capability to submit to FNMASlide9

Strategic Road Map

2017 At a Glance

June 2017 – Capability “TRIDen Toolkit for the Web”

A capability to support the creation of both TRID forms & the UCD xml file to submit to the GSEs

Includes Import, Manual data entry, upload of existing xml files

Includes output of UCD file & LE/CD PDF forms

Submit directly to Freddie Mac

Save capabilities

to Desktop or LAN and upload manually to FNMA

June 2017 – Web Capability to create the Alternate form & Data Set

Current functionality in the TRIDen toolkit VBA Implementation

Available in June 2017 for TRIDen toolkit for the web

September 2017 – Web Capability to create the Split Disclosure (Forms & Data Set)

Current Functionality in the TRIDen Toolkit VBA Implementation

Available in August 2017 for the TRIDen Toolkit for the Web

October 2017 – Capability to support HMDA that provides a service to consume user data via a template, translate to the MISMO format of the HMDA data values then translate to the final pipe delimited LAR file.

On the Web

In your infrastructure

Year End 2017 – Uniform Residential Loan Application Data set (ULAD & form)



Heather Kerns – 571-420-4589