# Encompass vs Mortgage Cadence: Side-by-Side Comparison

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

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

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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

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

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)

### Mortgage Cadence

PartnerOne

Full LOS Mortgage

- **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

[Full Mortgage Cadence review](https://thelosdirectory.com/platforms/mortgage-cadence)

## 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, Optimal Blue | Fiserv, Jack Henry, FIS, Black Knight | Tie |
| 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

## Deep Dive

[Encompass Full Profile](https://thelosdirectory.com/platforms/encompass) [Mortgage Cadence Full Profile](https://thelosdirectory.com/platforms/mortgage-cadence)

## Frequently Asked Questions

Does Mortgage Cadence compete with Encompass at enterprise scale?

Yes — MCP Enterprise targets large lenders with deep configurability. However, Encompass's 3,000+ lender base and 300+ integrations create an ecosystem advantage Mortgage Cadence cannot yet match.

How does the PartnerOne acquisition affect the decision?

The 2025 ownership change from Accenture to PartnerOne creates strategic uncertainty. Buyers should request detailed roadmap commitments and compare them against Encompass's ICE-backed development trajectory.

Which tier suits a community bank?

MCP Essentials is designed for community banks at $150-$400/user/month — a streamlined alternative to Encompass's enterprise pricing. Banks with modest mortgage volumes often find it sufficient.

### Not sure which platform is right?

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

### Related

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

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