🚀 NEW FEATURES
HMDA reporting — generate your HMDA Loan/Application Register directly in Sonar:
Call Reports is now Reports, with Call Reports and HMDA tabs. Create a report by filing institution, year and period (annual, quarterly Q1–Q3, or monthly), preview the register live as loans change, filter by Action Taken, then Generate to save it and download the pipe-delimited filing file or the Excel companion.
Company settings (default branch) gain Federal Tax ID, Legal Entity Identifier (LEI), HMDA Supervisory Agency and QC Contact fields, which populate the transmittal sheet. Generation stops with a clear message if a required setting is missing.
County FIPS and Census Tract are geocoded automatically from the subject property address and refreshed when it changes, and a read-only Rate Spread (APR minus APOR) is calculated on the Product tab.
New HMDA columns and filters on the pipeline: ULI, Exclude from HMDA Report, HOEPA, Purchaser Type, Census Tract, Manufactured Home Land and Interest, Ethnicity/Gender/Race Visual or Surname, Rate Spread and APOR.
Access is controlled by a new HMDA Reports entitlement group. Admins and Agents can view and generate by default, Support can view only, and Processors, Underwriters and Originators have no access.
Loan status and denial reason updates:
Two new statuses for purchase and pre-approval transactions — Preapproval Request Denied and Preapproval Request Approved Not Accepted — each set the final action date and generate the matching letter.
The Closed status is now labeled Loan Originated, including in the pipeline.
Denial reasons are now multi-select, with a free-text field when Other is chosen. The denial letter lists every selected reason.
SCIM 2.0 user provisioning — connect an identity governance system such as SailPoint to manage Sonar users. List, create, update and deactivate internal users, assign Sonar roles, NMLS numbers and branches, and manage entitlement group membership from your identity provider. Deactivating a user also ends their active sessions. Enabled per tenant on request.
Run Sonar Apex from the API —
new v1 endpoints let integrations start an Apex run for a loan (
POST /api/v1/loans/{loanId}/apex/run) and read objective status (GET /api/v1/loans/{loanId}/objectives). Two new webhook events,Loan.Apex.Objective.CompletedandLoan.Apex.Completed, notify you as each objective and the full run finish — no polling required. The published API spec and webhook docs are updated.
🛠️ IMPROVEMENTS
Balloon loans — Sonar can now originate balloon loans correctly:
The Balloon toggle moves from Additional Details into the Edit Product dialog. Turning it on reveals a Balloon Due term (1–30 years) and a computed, read-only Balloon Amount; P&I continues to be calculated on the amortization term.
MISMO exports now carry the loan maturity, so DocMagic recognizes the loan as a balloon and produces the correct documents, and the URLA Lender Loan Information balloon term is populated.
The v1 API adds
balloonTermto GseDetails (read and write).isBallooncan be true, false or omitted, invalid combinations return 400 with the field named, andballoonAmountis read-only.
Improved county FIPS code accuracy by reconciling Sonar's county reference data against Smarty, reducing HMDA and pricing errors caused by missing or outdated counties.
Duplicated loans now start with a fresh lead stage instead of carrying over the original's.
The UWM integration setting is now labeled "Sync loan statuses and key dates back from UWM" and is on by default. When turned off, UWM loan status and key date updates are ignored.
Requesting a MISMO export for a loan ID that doesn't exist now returns 404 Not Found instead of a 500 error, in both the LOS and the v1 API.
🐛 Bug Fixes
Fixed signing out occasionally leaving a broken session that showed a Fastly 503 "first byte timeout" on every page until cookies were cleared. An invalid session now returns you to the login page so you can sign straight back in.
Fixed MCR application pipeline dollar totals (AC066 and AC090) being off by $1–$2 in some states, which caused NMLS portal validation to fail. Totals now tie to the penny, and any residual mismatch is raised as a validation error before the file is generated.
Fixed pricing adjustments (LLPAs) frequently coming back empty — or occasionally wrong — for a selected product due to a long-standing data mapping issue. Adjustments, comp, interest-only period, amortization term and ARM details now load correctly from stored product data.
Fixed rate lock requests not carrying the product's pricing adjustments to the loan (and clearing any already present), which left the Pricing Adjustments panel and Lock Rate dialog empty and base price values wrong.
Fixed MISMO downloads failing with an "Object reference" error for purchase loans with no subject property record. The export now completes and omits the purchase price.