TheLOSDirectory

Encompass

Full LOS

Encompass is the dominant U.S. mortgage LOS used by roughly half of all mortgage lenders, offering end-to-end origination with industry-leading compliance automation and the largest third-party integration ecosystem of over 300 partners.

Mid-to-large mortgage lenders who need deep compliance automation and a vast partner ecosystem

BanksCredit UnionsMortgage LendersBrokers
Mortgage Cloud Hybrid

Quick Facts

Company
ICE Mortgage Technology
Founded
1997
HQ
Pleasanton, CA
Best Fit
Midsize to Enterprise
Pricing
Subscription (per-seat + per-loan transaction fees)
Market
~50% of U.S. mortgage LOS market
Visit ICE Mortgage Technology →

Overview

Encompass is the dominant mortgage loan origination system in the United States, used by roughly half of all mortgage lenders. Originally developed by Ellie Mae (founded 1997), the platform was acquired by Intercontinental Exchange (ICE) in 2020 for $11 billion. It offers end-to-end mortgage origination from point-of-sale through closing, with particularly strong compliance automation that keeps pace with federal and state regulatory changes. The platform's massive partner network — over 300 integrated service providers — means lenders can connect credit, appraisal, title, MI, and secondary market services without leaving the system.

Key Features

  • ▸ End-to-end mortgage origination workflow
  • ▸ Automated compliance engine with real-time regulatory updates
  • ▸ Encompass Consumer Connect (point-of-sale / borrower portal)
  • ▸ Product and pricing engine (ICE PPE) with live rate comparisons
  • ▸ eClose with eNote and eVault capabilities
  • ▸ 300+ integrated partner services
  • ▸ Encompass Data Connect for analytics and reporting
  • ▸ Multi-channel support (retail, wholesale, correspondent)
  • ▸ USPS address validation integration
  • ▸ Automated disclosure generation and tracking

Pricing

What we know about Encompass pricing:

Typically $500–$1,500/user/month depending on volume and modules; implementation runs $50K–$200K+

Like most enterprise LOS vendors, ICE Mortgage Technology doesn't publish standard pricing. Quotes are customized based on institution size, loan volume, and module selection. We recommend requesting all-in three-year TCO quotes that include implementation, training, and ongoing fees.

Key Integrations

Publicly documented integrations or connectivity options for Encompass include the following:

FiservJack HenryFISBlack KnightOptimal Blue

Ideal Customer Profile

Asset Size
$1B+ (though used across all sizes)
Loan Volume
500+ loans/year
Staff Size
10+ origination staff
Best When
You need enterprise-grade compliance, sell to the secondary market, and want the broadest partner ecosystem

Pros & Cons

Strengths

  • ✓ 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)
  • ✓ Continuous feature updates and regulatory patches

Limitations

  • ✗ Expensive — total cost of ownership is the highest in the category
  • ✗ Complex implementation (6-12 months typical)
  • ✗ Can feel bloated for smaller shops that don't need every feature
  • ✗ Customer support quality has been inconsistent post-ICE acquisition
  • ✗ SDK transition (deadline Dec 2026) creating uncertainty for customizations

User Reviews & Reputation

G2
4.2 (61)
View reviews →

What Users Love

  • ✓

    "The disclosure triggers and other compliance related flags are helpful. Availability of the Day 1 tools is also helpful."

    Branch Manager

  • ✓

    "Easy to use with great features that help keep organized. I love the alert system."

    Director of Member Relations

Common Complaints

  • ✗

    "The layout of the file in Encompass is not intuitive. You have to click too many buttons to get to the relevant information."

    Branch Manager

  • ✗

    "The software is very clunky and slow. It seems more like a program from the early 2000s than up to date software."

    Financial Services Professional

Review scores and snippets from third-party sources. Ratings reflect aggregate user reviews and may change over time.

Frequently Asked Questions

How much does Encompass cost?
Encompass typically costs $500–$1,500 per user per month depending on volume and modules selected, with additional per-loan transaction fees. Implementation runs $50K–$200K or more. It is the most expensive full-featured mortgage LOS on the market, but its compliance automation and partner ecosystem often justify the investment for mid-to-large lenders.
Does Encompass integrate with Fiserv and Jack Henry cores?
Yes. Encompass integrates with all major core banking platforms including Fiserv, Jack Henry, FIS, Black Knight, and Optimal Blue. Its marketplace of over 300 integrated service providers is the largest in the mortgage LOS industry, covering credit, appraisal, title, mortgage insurance, and secondary market services.
Is Encompass good for small mortgage brokers?
Encompass can work for brokers but is generally overkill for small shops. It is best for mid-to-large mortgage lenders with 500+ loans per year and 10 or more origination staff. Smaller brokers often find the cost and complexity excessive and may prefer platforms like Calyx Path or Arive that are designed for smaller operations.
Does Encompass require per-loan fees on top of the subscription?
Yes. Encompass uses a hybrid pricing model combining per-seat subscription fees with per-loan transaction fees. This means your total cost scales with both team size and loan volume. High-volume lenders should model both components carefully, as per-loan fees can significantly increase the total cost of ownership.

Last updated: April 4, 2026

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