Encompass360
Loan origination software
Financial services software
Loan software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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What is Encompass360
Encompass360 is a mortgage loan origination system (LOS) used by lenders and mortgage bankers to manage the end-to-end origination workflow from application through closing. It supports borrower and loan data capture, document management, tasking, compliance checks, and integrations with third-party services used in mortgage production. The product is commonly deployed with configurable workflows and a partner integration ecosystem to fit different lending channels and operating models.
End-to-end mortgage origination
Encompass360 covers core origination activities including application intake, processing, underwriting support, closing preparation, and post-closing handoffs. It centralizes loan files, conditions, and milestone tracking to support operational control. This breadth reduces the need to stitch together multiple point tools for core LOS functions.
Configurable workflows and rules
The platform supports configurable milestones, task lists, and business rules to align the system with a lender’s process. Teams can standardize how loans move through stages while still allowing channel-specific variations. This helps organizations enforce consistent execution across branches and users.
Integration ecosystem support
Encompass360 is commonly used with a broad set of third-party services (for example, credit, verification, document services, and eClosing components) via integrations. This allows lenders to maintain preferred vendors while keeping the LOS as the system of record. Integration options can be important for lenders that need to connect multiple upstream and downstream systems.
Implementation and admin complexity
Configuring workflows, permissions, and integrations typically requires specialized administrative skills and structured implementation effort. Organizations often need dedicated internal admins or external consultants to manage changes. This can increase time-to-value for smaller teams or those with limited IT/operations support.
User experience varies by setup
Day-to-day usability can depend heavily on how the instance is configured, including custom fields, screens, and required tasks. Poorly governed customization can lead to inconsistent processes and user friction. Training requirements can be material for new users and for organizations with high staff turnover.
Mortgage-centric scope
Encompass360 is primarily oriented to mortgage origination rather than a broad, multi-product lending suite across consumer and commercial products. Institutions seeking a single platform for many loan types may need additional systems or separate platforms. This can add integration and reporting overhead in diversified lending environments.
Plan & Pricing
Pricing model: Custom / contact sales (no public tiered pricing listed on the official Encompass product pages)
Public pricing (official site): No publicly-disclosed subscription tiers, plan prices, or pay-as-you-go rates for Encompass® are listed on the ICE Mortgage Technology (Encompass) product pages. The site uses CTAs such as "Get started" / "Get in touch" to request pricing/demo.
Notes from official site:
- Encompass product pages describe product capabilities, ROI claims, and integrated modules, but instruct prospective customers to "Get started" (contact sales) for purchasing.
- Certain Encompass features (example: Encompass eClose hybrid transactions) are promoted as provided "at no additional charge" to existing Encompass clients; however, the overall Encompass product price/tier is not published.
(Information sourced only from ICE Mortgage Technology / Encompass official pages.)
Seller details
Intercontinental Exchange, Inc. (ICE) — ICE Mortgage Technology
Atlanta, GA, USA
2000
Public
https://www.icemortgagetechnology.com/
https://x.com/ICE_MortgageTech
https://www.linkedin.com/company/ice-mortgage-technology/
