# Encompass vs LendingPad: Side-by-Side Comparison

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

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

---

Mortgage LOS Comparison

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

## Our Analysis

Growing mortgage teams doing 50-1,000 loans annually should evaluate LendingPad before committing to Encompass's enterprise price tag. At $100-$300/user/month, LendingPad delivers cloud-native multi-user simultaneous editing and a modern interface with minimal training required. Encompass at $500-$1,500/user/month plus per-loan fees adds 300+ integrations and deep compliance automation — overkill for teams under 30 staff. Depositories needing Fiserv or Jack Henry core connectivity cannot use LendingPad; it targets non-depository lenders exclusively.

## 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)

### LendingPad

LendingPad

Full LOS Mortgage

- **HQ**: McLean, VA
- **Founded**: 2015
- **Deployment**: cloud
- **Size Fit**: Small (under $1B assets), Midsize ($1B-$10B assets)
- **Pricing**: Estimated $100–$300/user/month
- **Users**: 300+ lenders, per LendingPad (as of September 2026)
- **Market Share**: Growing share among mid-market mortgage lenders
- **G2 Rating**: 4.7/5 (168 reviews)

[Full LendingPad review](https://thelosdirectory.com/platforms/lendingpad)

## Feature-by-Feature Comparison

| Feature | Encompass | LendingPad | Edge |
| --- | --- | --- | --- |
| Loan Types | Mortgage | Mortgage | Tie |
| Deployment | cloud, hybrid | cloud | Encompass |
| Pricing Model | Subscription (per-seat + per-loan transaction fees) | Per-user monthly subscription | Tie |
| Pricing Range | Typically $500–$1,500/user/month depending on volume and modules; implementation runs $50K–$200K+ | Estimated $100–$300/user/month | Tie |
| Product Category | Full LOS | Full LOS | Tie |
| Core Integrations | Fiserv, Jack Henry, FIS, Optimal Blue | Limited — focused on mortgage industry integrations | Encompass |
| Best For | Mid-to-large mortgage lenders who need deep compliance automation and a vast partner ecosystem | Growing mortgage operations (50–1,000 loans/year) that want a modern, cloud-native LOS with strong multi-user collaboration | Tie |
| Lender Segments | Banks, Credit Unions, Mortgage Banks, Brokers | Brokers, Mortgage Banks, Banks, Credit Unions | Tie |
| Size Fit | Midsize ($1B-$10B assets), Enterprise ($10B+ assets) | Small (under $1B assets), Midsize ($1B-$10B assets) | Tie |

## Key Differences

- Encompass offers cloud and hybrid deployment, while LendingPad offers cloud deployment.
- Encompass fits Midsize ($1B-$10B assets) and Enterprise ($10B+ assets) institutions, while LendingPad targets Small (under $1B assets) and Midsize ($1B-$10B assets) institutions.
- Encompass (founded 1997) has a longer track record, while LendingPad (founded 2015) 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 LendingPad if...

- Modern, clean interface — lowest learning curve in the category
- True multi-user collaboration in loan files
- Cloud-native architecture with no legacy technical debt
- Responsive, hands-on customer support (smaller company advantage)

## Deep Dive

[Encompass Full Profile](https://thelosdirectory.com/platforms/encompass) [LendingPad Full Profile](https://thelosdirectory.com/platforms/lendingpad)

## Frequently Asked Questions

At what volume does Encompass justify its premium over LendingPad?

Above 1,000 loans per year with 10+ staff, Encompass's compliance automation, secondary market connectivity, and 300+ partner ecosystem justify the 3-5x cost difference over LendingPad.

Does LendingPad match Encompass's compliance features?

LendingPad includes compliance with automated disclosures but lacks Encompass's real-time regulatory update engine and the depth of compliance automation across all 50 states that enterprise lenders depend on for exam readiness.

Can LendingPad integrate with core banking systems?

No. LendingPad has limited core banking integration and targets non-depository lenders. Banks and credit unions needing Fiserv, Jack Henry, or FIS connectivity need Encompass, BytePro, or another depository-focused platform.

### Not sure which platform is right?

Answer a few questions and get a personalized recommendation.

[Try the LOS Finder](https://thelosdirectory.com/tools/los-finder)

### Related

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

---

The LOS Directory — independent reviews and comparisons of loan origination systems.

- Site index: https://thelosdirectory.com/llms.txt
- Full text of every page: https://thelosdirectory.com/llms-full.txt
- Sitemap: https://thelosdirectory.com/sitemap-index.xml
- Agent instructions: https://thelosdirectory.com/AGENTS.md