Mortgage LOS Comparison
Encompass vs Mortgage Cadence: Side-by-Side Comparison
Two mortgage loan origination systems compared on features, pricing, compliance, and fit for banks, credit unions, and brokers.
Our Analysis
Mortgage Cadence challenges Encompass with a two-tier strategy: MCP Enterprise for high-volume lenders and MCP Essentials for community banks seeking a streamlined alternative. Encompass dominates with ~50% market share and 300+ integrations, but Mortgage Cadence's 25+ year track record and pre-built GSE integrations make it credible for multi-channel origination. Community banks should evaluate MCP Essentials at $150-$400/user/month against Encompass's $500-$1,500 tier. The 2025 PartnerOne acquisition introduces roadmap risk that buyers should probe during diligence.
At a Glance
Encompass
ICE Mortgage Technology
- 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
Mortgage Cadence
PartnerOne (formerly Accenture Mortgage Cadence)
- HQ
- Denver, CO
- Founded
- 1999
- Deployment
- cloud
- Size Fit
- Midsize ($1B-$10B assets), Enterprise ($10B+ assets)
- Pricing
- Enterprise tier: estimated $300–$1,000/user/month; Essentials tier: estimated $150–$400/user/month; implementation varies
- Users
- Hundreds of mortgage lenders
- Market Share
- Established presence among mid-to-large mortgage lenders; precise numbers not publicly disclosed
Feature-by-Feature Comparison
| Feature | Encompass | Mortgage Cadence | Edge |
|---|---|---|---|
| Loan Types | Mortgage | Mortgage | Tie |
| Deployment | cloud, hybrid | cloud | Encompass |
| Pricing Model | Subscription (per-seat + per-loan transaction fees) | SaaS subscription (tiered by product level and volume) | Tie |
| Pricing Range | Typically $500–$1,500/user/month depending on volume and modules; implementation runs $50K–$200K+ | Enterprise tier: estimated $300–$1,000/user/month; Essentials tier: estimated $150–$400/user/month; implementation varies | Tie |
| Product Category | Full LOS | Full LOS | Tie |
| Core Integrations | Fiserv, Jack Henry, FIS, Black Knight, Optimal Blue | Fiserv, Jack Henry, FIS, Black Knight | Encompass |
| Best For | Mid-to-large mortgage lenders who need deep compliance automation and a vast partner ecosystem | Enterprise mortgage lenders needing end-to-end origination with two deployment tiers (Enterprise and Essentials) | Tie |
| Lender Segments | Banks, Credit Unions, Mortgage Banks, Brokers | Banks, Credit Unions, Mortgage Banks | Encompass |
| Size Fit | Midsize ($1B-$10B assets), Enterprise ($10B+ assets) | Midsize ($1B-$10B assets), Enterprise ($10B+ assets) | Tie |
Key Differences
- Encompass offers cloud and hybrid deployment, while Mortgage Cadence offers cloud deployment.
- Encompass targets Banks, Credit Unions, Mortgage Banks, Brokers, whereas Mortgage Cadence focuses on Banks, Credit Unions, Mortgage Banks.
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 Mortgage Cadence if...
- ▸ 25+ year track record in mortgage origination technology
- ▸ Two-tier product strategy fits both enterprise and community lender needs
- ▸ Pre-built GSE integrations reduce secondary market complexity
- ▸ Multi-channel support covers retail, wholesale, and correspondent
Frequently Asked Questions
Does Mortgage Cadence compete with Encompass at enterprise scale?
How does the PartnerOne acquisition affect the decision?
Which tier suits a community bank?
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