# Encompass vs Arive: Side-by-Side Comparison

> Encompass vs Arive comparison for 2026. Features, pricing, deployment, and which platform fits your institution best.

Source: https://thelosdirectory.com/compare/auto/encompass-vs-arive

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Mortgage LOS Comparison

Two mortgage loan origination systems compared on features, pricing, compliance, and fit for banks, credit unions, and brokers.

## Our Analysis

Independent wholesale brokers should default to Arive — it consolidates LOS, POS, pricing engine, and a 30+ lender marketplace into one system at $100-$300/user/month, versus Encompass's $500-$1,500 plus separate POS and PPE costs. Arive's 25,000+ loan officers and 200,000 monthly applications prove broker-channel fit at scale. Retail lenders, banks, and credit unions cannot use Arive since it supports only wholesale and non-delegated correspondent channels. Encompass remains necessary for multi-channel operations or institutions requiring deep compliance automation.

## At a Glance

### Encompass

ICE Mortgage Technology

Full LOS Mortgage

- **HQ**: Pleasanton, CA
- **Founded**: 1997
- **Deployment**: cloud, hybrid
- **Size Fit**: Midsize ($1B-$10B assets), Enterprise ($10B+ assets)
- **Pricing**: Typically $500–$1,500/user/month depending on volume and modules; implementation runs $50K–$200K+
- **Users**: 3,000+ lenders
- **Market Share**: ~50% of U.S. mortgage LOS market
- **G2 Rating**: 4.2/5 (61 reviews)

[Full Encompass review](https://thelosdirectory.com/platforms/encompass)

### Arive

Wizni, Inc.

Full LOS Mortgage

- **HQ**: San Ramon, CA
- **Founded**: 2018
- **Deployment**: cloud
- **Size Fit**: Solo / 1-person shops, Small (under $1B assets), Midsize ($1B-$10B assets)
- **Pricing**: Published at arive.com/pricing as of September 2026: Broker Core originator seat $59.99 per user per month billed monthly or $49.99 billed annually (support seat $24.99 or $19.99); Broker Pro originator seat $79.99 or $69.99 (support seat $39.99 or $34.99); Non-Del originator seat $99.99 (support seat $49.99)
- **Users**: 25,000+ loan officers and 5,000+ broker, non-delegated and TPP companies, per Arive (as of September 2026)
- **Market Share**: Arive reports 25,000+ loan officers, 5,000+ broker, non-delegated and TPP companies, and 200,000+ new applications per month (as of September 2026)

[Full Arive review](https://thelosdirectory.com/platforms/arive)

## Feature-by-Feature Comparison

| Feature | Encompass | Arive | Edge |
| --- | --- | --- | --- |
| Loan Types | Mortgage | Mortgage | Tie |
| Deployment | cloud, hybrid | cloud | Encompass |
| Pricing Model | Subscription (per-seat + per-loan transaction fees) | SaaS subscription (per-user monthly) | Tie |
| Pricing Range | Typically $500–$1,500/user/month depending on volume and modules; implementation runs $50K–$200K+ | Published at arive.com/pricing as of September 2026: Broker Core originator seat $59.99 per user per month billed monthly or $49.99 billed annually (support seat $24.99 or $19.99); Broker Pro originator seat $79.99 or $69.99 (support seat $39.99 or $34.99); Non-Del originator seat $99.99 (support seat $49.99) | Tie |
| Product Category | Full LOS | Full LOS | Tie |
| Core Integrations | Fiserv, Jack Henry, FIS, Optimal Blue | UWM, Rocket Pro, NewRez, PennyMac | Tie |
| Best For | Mid-to-large mortgage lenders who need deep compliance automation and a vast partner ecosystem | Brokers who want LOS, POS, product & pricing engine, and lender marketplace all in one integrated platform | Tie |
| Lender Segments | Banks, Credit Unions, Mortgage Banks, Brokers | Brokers, Mortgage Banks | Encompass |
| Size Fit | Midsize ($1B-$10B assets), Enterprise ($10B+ assets) | Solo / 1-person shops, Small (under $1B assets), Midsize ($1B-$10B assets) | Arive |

## Key Differences

- Encompass offers cloud and hybrid deployment, while Arive offers cloud deployment.
- Encompass targets Banks, Credit Unions, Mortgage Banks, Brokers, whereas Arive focuses on Brokers, Mortgage Banks.
- Encompass fits Midsize ($1B-$10B assets) and Enterprise ($10B+ assets) institutions, while Arive targets Solo / 1-person shops and Small (under $1B assets) and Midsize ($1B-$10B assets) institutions.
- Encompass (founded 1997) has a longer track record, while Arive (founded 2018) brings a more modern architecture.

### Choose Encompass if...

- Industry-standard platform — easiest to find trained staff
- Deepest compliance automation in the market
- Massive partner ecosystem reduces integration headaches
- Strong secondary market connectivity (Fannie, Freddie, Ginnie)

### Choose Arive if...

- First platform to combine LOS+POS+PPE+lender marketplace in a single system
- Massive broker adoption — 25,000+ LOs and 200,000+ monthly applications
- Eliminates multi-vendor integration headaches for brokers
- Rapid innovation cycle with new features every two weeks

## Deep Dive

[Encompass Full Profile](https://thelosdirectory.com/platforms/encompass) [Arive Full Profile](https://thelosdirectory.com/platforms/arive)

## Frequently Asked Questions

Should a mortgage broker choose Arive or Encompass?

Wholesale-only brokers should choose Arive for its integrated lender marketplace and lower total cost. Brokers who also do retail lending or need enterprise compliance may still need Encompass.

How many wholesale lenders does Arive connect to?

Arive connects to 30+ wholesale lenders including UWM, Rocket Pro, and PennyMac with digital submission and real-time status updates. Encompass offers broader overall connectivity but requires separate submission tools.

What is the total cost difference for a small broker team?

Arive runs $100-$300/user/month with POS and pricing included. Encompass costs $500-$1,500/user/month plus per-loan fees and often requires separate POS and PPE subscriptions — 5-10x more expensive total.

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### Related

[Encompass Full Review](https://thelosdirectory.com/platforms/encompass) [Arive Full Review](https://thelosdirectory.com/platforms/arive) [Encompass Alternatives](https://thelosdirectory.com/alternatives/encompass) [Arive Alternatives](https://thelosdirectory.com/alternatives/arive) [All Comparisons](https://thelosdirectory.com/compare) [How to Choose an LOS](https://thelosdirectory.com/guides/how-to-choose)

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