Mortgage LOS Comparison
Encompass vs nCino: Side-by-Side Comparison
Two mortgage loan origination systems compared on features, pricing, compliance, and fit for banks, credit unions, and brokers.
Our Analysis
Pick Encompass if mortgage is your sole business line — its 300+ partner integrations and ~50% U.S. market share make it the industry default for secondary market sellers. Choose nCino when commercial, consumer, and mortgage lending must coexist on one Salesforce-based platform. Encompass costs $500-$1,500/user/month plus per-loan fees versus nCino's $150-$400/user/month per module (plus Salesforce licensing). The trade-off is depth versus breadth: Encompass owns mortgage compliance, nCino owns the multi-product CRM view.
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
nCino
nCino, Inc.
Core-plus-LOS Suite CommercialConsumerMortgageSBASmall BusinessCRE
- HQ
- Wilmington, NC
- Founded
- 2012
- Deployment
- cloud
- Size Fit
- Midsize ($1B-$10B assets), Enterprise ($10B+ assets)
- Pricing
- Typically $150–$400/user/month per module; total annual spend for a community bank ranges from $100K–$500K+
- Users
- 1,800+ financial institutions
- Market Share
- Used by 1,800+ financial institutions globally; strong penetration in U.S. community banking
Feature-by-Feature Comparison
| Feature | Encompass | nCino | Edge |
|---|---|---|---|
| Loan Types | Mortgage | Commercial, Consumer, Mortgage, SBA, Small Business, CRE | nCino |
| Deployment | cloud, hybrid | cloud | Encompass |
| Pricing Model | Subscription (per-seat + per-loan transaction fees) | Subscription (per-user, tiered by modules) | Tie |
| Pricing Range | Typically $500–$1,500/user/month depending on volume and modules; implementation runs $50K–$200K+ | Typically $150–$400/user/month per module; total annual spend for a community bank ranges from $100K–$500K+ | Tie |
| Product Category | Full LOS | Core-plus-LOS Suite | Tie |
| Core Integrations | Fiserv, Jack Henry, FIS, Black Knight, Optimal Blue | Fiserv, Jack Henry, FIS, Temenos, Finastra | Tie |
| Best For | Mid-to-large mortgage lenders who need deep compliance automation and a vast partner ecosystem | Community and regional banks that want a single platform for commercial, consumer, and mortgage lending with strong CRM integration | Tie |
| Lender Segments | Banks, Credit Unions, Mortgage Banks, Brokers | Banks, Credit Unions | 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 nCino offers cloud deployment.
- nCino additionally supports Commercial, Consumer, SBA, Small Business, CRE loan types that Encompass does not.
- Encompass targets Banks, Credit Unions, Mortgage Banks, Brokers, whereas nCino focuses on Banks, Credit Unions.
- Encompass (founded 1997) has a longer track record, while nCino (founded 2012) 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 nCino if...
- ▸ True multi-product platform — one system for all loan types
- ▸ Salesforce ecosystem benefits (AppExchange, reporting, AI)
- ▸ Strong commercial lending workflows with automated spreading
- ▸ Proven 54% reduction in commercial loan cycle times
Deep Dive
Frequently Asked Questions
Can nCino handle secondary market delivery as well as Encompass?
No. Encompass has deep pre-built connections to Fannie Mae, Freddie Mac, Ginnie Mae, and Optimal Blue. nCino supports secondary delivery but relies more on third-party integrations, making it less seamless for high-volume sellers.
Is nCino worth it for mortgage-only lenders?
Generally not. nCino's value centers on unifying multiple lending products under Salesforce. Mortgage-only shops pay for Salesforce overhead without leveraging the multi-product benefit — Encompass or a lighter LOS is more cost-effective.
Which has a faster implementation timeline?
Both run 6-12 months for full deployment. nCino trends longer due to Salesforce configuration and multi-product scope. Encompass can be slightly faster for mortgage-only deployment with standard configurations.
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