Encompass

Encompass is an end-to-end mortgage loan origination system (LOS) from Ellie Mae (now part of ICE Mortgage Technology). It centralizes the lending lifecycle—from lead capture and application through processing, underwriting, closing, funding, and delivery—on a single, configurable platform. Lenders use Encompass to streamline workflows, improve data quality, and maintain regulatory compliance while providing a connected, modern borrower experience.

Key capabilities include:

• Workflow automation and pipeline management with configurable rules and tasking
• Integrated document management, disclosures, and eSign; support for hybrid and, where available, fully digital eClose
• Direct integrations for credit, automated underwriting (e.g., DU and LPA), pricing and eligibility, income/asset/employment verification, appraisal, mortgage insurance, fraud, and compliance services via the partner network
• Role-based portals: Consumer Connect (borrowers), LO Connect (loan officers), and TPO Connect (third‑party originators)
• Compliance tooling for TRID, HMDA, and audit trails, aligned with industry data standards
• Reporting and analytics, including options for advanced data access and dashboards
• Open APIs and developer tools for custom integrations and extensions

Encompass serves banks, credit unions, independent mortgage banks, and broker/wholesale channels. Delivered through the ICE Mortgage Technology platform, it helps reduce cycle times, manage risk, and enhance borrower satisfaction.