# Encompass vs nCino: Side-by-Side Comparison

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

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

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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

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
- **G2 Rating**: 4.2/5 (61 reviews)

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

### nCino

nCino, Inc.

Core-plus-LOS Suite CommercialConsumerMortgageSBASmall BusinessCRE

- **HQ**: Wilmington, NC
- **Founded**: 2011
- **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**: 2,700+ customers, about 1,500 of them depository institutions (nCino FY2026 10-K)
- **Market Share**: Used by 2,700+ customers, about 1,500 of them depository institutions, globally; strong penetration in U.S. community banking
- **G2 Rating**: 4.2/5 (14 reviews)

[Full nCino review](https://thelosdirectory.com/platforms/ncino)

## 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, Optimal Blue | Fiserv, Jack Henry, FIS, Temenos, Finastra | nCino |
| 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 2011) 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

[Encompass Full Profile](https://thelosdirectory.com/platforms/encompass) [nCino Full Profile](https://thelosdirectory.com/platforms/ncino)

## 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.

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

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