Lender Tech Stack

Encompass Review 2026: Pricing, Features & Honest Take

LOS
★★★★★
4.2/ 5

Updated February 2026

Overview

Encompass by ICE Mortgage Technology (formerly Ellie Mae) is the dominant loan origination system in the mortgage industry. Used by thousands of lenders and brokers, it offers end-to-end loan processing from application through closing. Its strength lies in its massive ecosystem of integrations, automated compliance engine, and investor connectivity.

Best for: Mid to large brokerages and lenders who need the widest investor connectivity and don't mind paying a premium for the industry standard.

Key Features

  • ✓End-to-end loan processing
  • ✓Automated compliance (TRID, HMDA, CRA)
  • ✓3,500+ third-party integrations
  • ✓eClose and eSign capabilities
  • ✓Investor delivery & lock desk
  • ✓Custom business rules engine
  • ✓Encompass Consumer Connect (POS)
  • ✓Encompass CRM add-on

Pricing

Encompass pricing is not publicly listed and varies by volume, modules, and contract length. Typical per-seat pricing ranges from $150-300/month. Implementation fees can run $10,000-50,000+ depending on customization. Contact ICE for a custom quote.

Pros

  • +Industry standard with widest adoption
  • +Most investor integrations available
  • +Robust compliance engine
  • +Massive third-party ecosystem
  • +Regular feature updates

Cons

  • –Expensive compared to alternatives
  • –Steep learning curve
  • –Customer support can be slow
  • –Complex pricing structure
  • –Implementation can take months

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Alternatives to Encompass by ICE Mortgage Technology

ARIVE

Independent mortgage brokers and non-delegated TPOs who want an affordable, modern all-in-one platform without juggling separate LOS, POS, and pricing tools.

4.3/5

Byte Pro by Byte Software

Mid-size brokerages (5-50 users) who want reliable processing, good support, and don't need the full Encompass ecosystem.

4.1/5

Calyx Point

Individual loan officers, small brokerages, and new shops that need basic loan processing at the lowest cost.

3.8/5

Frequently Asked Questions

How much does Encompass cost per month?▾
Encompass typically costs $150-300/month per user depending on your volume and modules. Implementation fees are separate and can range from $10,000-50,000+.
Is Encompass worth it for small brokerages?▾
For shops under 10 users, Encompass may be overkill. Calyx Point or Byte Pro offer better value for smaller operations. Encompass shines when you need extensive investor integrations and compliance automation at scale.

Compare Encompass by ICE Mortgage Technology Alternatives

See how Encompass by ICE Mortgage Technology stacks up against other LOS tools in our full comparison.