--- title: "Encompass Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about Encompass Software - reviews, pricing plans, popular comparisons to other Mortgage products and more." source_url: "https://www.capterra.com/p/37038/Encompass360/" page_type: "product" language: "en" --- # Encompass Software Review 2026: Features, Integrations, Pros & Cons Last updated on August 20, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Features](#features)[Pricing](#pricing)[Support](#support)[Reviews](#reviews) Encompass ## What is Encompass? Encompass, the industry’s most recognized loan origination system, gives lenders of every size access to everything they need to originate and close more loans. And, with built-in compliance paperless document management, and next-generation data security, Encompass ensures that lenders and borrowers alike are prepared and protected. ## What is Encompass used for? [Mortgage](https://www.capterra.com/mortgage-and-loans-software/)[Loan Origination](https://www.capterra.com/loan-origination-software/)[Commercial Loan](https://www.capterra.com/commercial-loan-software/) Top alternative Featured Overall rating Based on 42 user reviews Reviews sentiment Positive 69% Neutral 21% Negative 10% Contact vendor for pricing Free trial not available Free version not included Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for Encompass?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=https://www.icemortgagetechnology.com/&name=Encompass) ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### Encompass 4.0 (42) VS. [4.8 (288)](https://www.capterra.com/p/9277/The-Mortgage-Office/reviews/) Starting Price Contact vendor Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 3.6 (42) Ease Of Use 4.7 (72) Value For Money 3.7 (29) Value For Money 4.7 (63) Customer Service 3.6 (31) Customer Service 4.8 (68) ## Encompass alternatives Highest Rated [5.0 (14)](https://www.capterra.com/p/135272/LOAN-SERVICING-SOFT/reviews/) Starting price $500.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 100% of reviewers rated it above 4 stars [4.9 (35)](https://www.capterra.com/p/254642/HES-LoanBox/reviews/) Starting price $75000.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 100% of reviewers rated it above 4 stars [LendingWise](https://www.capterra.com/p/166706/LendingWise/) [4.6 (72)](https://www.capterra.com/p/166706/LendingWise/reviews/) Starting price $149.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 90% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/166706/LendingWise/) [Mortgage Automator](https://www.capterra.com/p/191761/Mortgage-Automator/) [4.9 (116)](https://www.capterra.com/p/191761/Mortgage-Automator/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 100% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/191761/Mortgage-Automator/) [View all alternatives](https://www.capterra.com/p/37038/Encompass360/alternatives/) ## FAQs about Encompass Overview ### Which roles and teams benefit most from Encompass? Encompass is most used by loan officers, mortgage originators, and loan officer assistants who manage applications, borrower documentation, and loan pipelines. Compliance teams, auditors, and licensing specialists use it to maintain regulatory accuracy, while operations leaders, finance staff, and technology administrators rely on it for workflow oversight, reporting, and system management. Answer based on 41 reviews Overview ### What company size and industries is Encompass built for? Encompass is a cloud-based mortgage platform built mainly for midsize businesses in Financial Services, which account for 44% and 46% of reviewers. It also serves small businesses at 31% and enterprises at 25%, with strong use in Banking at 28% and Real Estate at 10%, especially for loan origination. Answer based on 42 reviews Features and Usability ### What are the key features of Encompass? Encompass offers loan origination and loan processing tools, along with automated decisioning and underwriting, pipeline management, and pricing management. It also includes document management, electronic applications, electronic signature, compliance management, audit trail, credit reporting, and loan portfolio management for mortgage and lending workflows. Integrations ### Which third-party tools and platforms does Encompass integrate with? Encompass integrates with Blend and Surefire CRM. Blend supports importing user-created application data and digital signature workflows, while Surefire CRM connects contact data to help keep records properly contacted and supported. Answer based on 8 reviews Getting Started and Support ### What training and onboarding options does Encompass offer? Encompass provides in person training, live online sessions, and webinars to help teams get started. In person training supports face-to-face guidance, live online sessions allow remote instruction, and webinars offer scheduled presentations and walkthroughs for learning key product functions. Answer based on 6 reviews Getting Started and Support ### What customer support options does Encompass offer? Encompass provides 24/7 live rep support and chat. Users describe technical help as knowledgeable at times, but also report slow acknowledgment of issues, repeated deflection, and guidance that can feel unhelpful when problems affect performance or cause crashes. Answer based on 3 reviews Ease of use ### Is Encompass easy to use for mortgage teams? Encompass handles complex mortgage workflows well, but ease of use is a common challenge for many teams. Loan officers, processors, and admins often value its customization, automation, and reporting, while also describing an outdated interface, steep learning curve, occasional slowness, and added complexity as organizations grow. Answer based on 10 reviews ## Features AI summary Based on 225 Mortgage reviews Capterra reviewers highlight these as the features buyers value most when choosing mortgage software: - **Loan Management** (**67%** of reviewers rated this feature as critical) - **CRM** (**69%**) - **Electronic Applications** (**59%**) Encompass supports **Loan Management** and **Electronic Applications**, helping lenders manage loans from application through closing while making it easier for borrowers to submit information digitally. However, it does not offer **CRM**. Instead, it provides **Pipeline Management** (**56%**) and **Pre-Qualification** (**56%**), which help teams track loan progress and assess borrower readiness earlier in the process, allowing businesses to improve visibility and move applications forward more efficiently. Loan Management 4.6 (7) 114.29% of 7 reviewers that rated this feature as important or highly important Distribution and delivery of funds to approved borrowers Pipeline Management 4.7 (3) 100.00% of 3 reviewers that rated this feature as important or highly important Track the progress of long term goals, campaigns, and opportunities, for sales, projects, business ventures etc. Pre-Qualification 4.3 (4) 100.00% of 4 reviewers that rated this feature as important or highly important The initial step in the mortgage workflow Document Management 4.4 (7) 100.00% of 7 reviewers that rated this feature as important or highly important Store, manage, and track all electronic documents in a centralized location Contact Management 4.2 (5) 60.00% of 5 reviewers that rated this feature as important or highly important Manage, organize, and store contact information Loan Processing 4.2 (5) 100.00% of 5 reviewers that rated this feature as important or highly important Collect, organize, and prepare loan information to send to the lender for approval Encompass 25 features ### All Features - Amortization Schedule: Create a table of loan payments showing dates, amount of principal, amount of interest, and remaining balance - API: Application programming interface that allows for integration with other systems/databases - Audit Trail: A record of all activities within the system, including user access, changes made, etc. - Automated Decisioning/Underwriting: Automate loan approval rules and risk analysis to determine acceptable loan terms for a borrower - Client Database: Electronic storage of stakeholder contact information - Compliance Management: Track and manage adherence to policies for any service, product, process, or supplier - Contact Management: Manage, organize, and store contact information - Credit Reporting: Report customer payment history and outstanding debts to credit bureaus - Customer Management: Store and organize information about customers and previous interactions - Customer Statements: Reports that show customers their invoices, payments, and balance on the account - Document Management: Store, manage, and track all electronic documents in a centralized location - Electronic Signature: Digitally sign online documents - Lead Management: Store information about leads or contacts and track, manage and nurture them throughout the sales process - Loan Management: Distribution and delivery of funds to approved borrowers - Loan Origination: Process of securing a loan from a bank or any other lender. - Loan Portfolio Management: Assess and control risks associated with the credit process of each loan portfolio/account - Loan Processing: Collect, organize, and prepare loan information to send to the lender for approval - Marketing Automation: Automate workflows and trigger campaigns based on customer actions - Multi-Branch: Expand services to areas outside of the home location, functioning as an extension of the home location. - Multi-Company: Manage the accounting and financial aspects of multiple locations or companies in a single location - Online Applications: Ability to fill out and submit application forms on the web - Pipeline Management: Track the progress of long term goals, campaigns, and opportunities, for sales, projects, business ventures etc. - Pre-Qualification: The initial step in the mortgage workflow - Pricing Management: Tool used to determine accurate pricing and product eligibility for borrowers - Risk Management: Process of identifying, evaluating, mitigating, addressing and reporting on potential risks or uncertainties --- Features 4.0 (42) 4.0 Based on 42 reviews ## Pricing Value for money 3.7 (29) Value for money 3.7 (29) 3.7 Based on 29 reviews ## Support, customer service and training options Customer Service 3.6 (31) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 3.6 (31) 3.6 Based on 31 reviews ## User reviews Overall rating 4.0 Based on 42 reviews Filter by rating 5(18) 4(11) 3(9) 2(2) 1(2) Mentioned topic Sorted by most recent JM Jana M. Sr. Loan Officer Real Estate ### "Long time Daily Encompass User" 3.0 Overall Rating 3.0 3.0 Ease of Use 3.0 3.0 Features 4.0 4.0 Customer Service 2.0 2.0 Likelihood to Recommend 4/10 January 23, 2025 I gave it 3 stars since I like the info and platform and document disclosure portion. But the lack of speed really irks me. Pros I like the alerts and the platform of finding information that I need on a daily basis. Cons The software is SLOW. I could be much more productive if the SW moved faster. It takes about 2 minutes to open and close ONE LOAN. I work on at least 12 loans per day... time vampire on that scope. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. AB Alysson B. Controller Banking ### "Robust Mortgage LOS" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 5.0 5.0 Customer Service 3.0 3.0 Likelihood to Recommend 9/10 December 18, 2024 My overall experience with Encompass is positive. I did take admin classes so I could properly add/remove loan programs, user profiles and set business rules. All of our users became very comfortable with the functionality of the program. Several employees that left our company have shared with me that they missed the functionality of this program. Pros Encompass is a robust mortgage software with a lot of robust features and solutions for mortgage bankers. I would consider it the industry standard platform for this business sector. Everything is customizable, including the permissions of each type of user and many functions can be done from directly within the system. I am in accounting, and I heavily utilized their reporting functions which I found to be user friendly and extremely robust. Yo Cons Set up and administration of Encompass is not for most users. Many companies will either hire a consultant that specializes in administration of Encompass, or the will hire and inside Encompass Administrator. Fortunately, they do provided training if you would like someone from within your organization to take on this role. The cost is also high. I personally felt that more admin services could be included at this price point. Switched from [Calyx Point](https://www.capterra.com/p/73554/Calyx-Point/) When we transitioned from a mortgage broker to a mortgage banker we required a robust system that supported banking and tracked shipping/funding functions. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. HM Henry M. Technical Support Analyst Financial Services ### "Encompass Review" 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 10/10 July 25, 2024 Once you get the hang of Encompass and explore its nooks and crannies, it becomes a powerful tool in the loan processing business. Initially, the interface felt overwhelming, but over time I found it intuitive and incredibly useful. Its seamless integration with third-party services and real-time updates have streamlined our workflow significantly. While there is a learning curve and occasional slowness, the customizable workflows and comprehensive features have made it essential to our operations, boosting efficiency and improving compliance. Pros Comprehensive toolset Seamless third-party integrations User-friendly interface Efficient document management Real-time updates and tracking Customizable workflows Strong compliance support Cons Can be slow at times Steep learning curve for new users Occasional interface complexity High cost for small businesses Requires frequent updates Limited mobile functionality Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. RG Ron G. Loan Store Real Estate ### "My Expert Review Using Encompass for 10 Years" 3.0 Overall Rating 3.0 3.0 Ease of Use 3.0 3.0 Features 3.0 3.0 Customer Service 4.0 4.0 Likelihood to Recommend 5/10 March 4, 2024 Encompass is a software many people would use, but as you want to grow and expand your team, it becomes a headache. It is not as efficient to use as other products, it is not web based, and is not team oriented or user friendly. Pros Their support team regarding technical support with the software, they were extremely knoledgable. Cons It is using an outdated source code, outdated User Interface, expensive product that is not competitive in its pricing, lack of ease with integrating third party software. Switched from [Calyx Point](https://www.capterra.com/p/73554/Calyx-Point/) To aquire a more ease-of-use system that was more capable for my line of work. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. FR Fredy R. Tec. Administración Information Technology and Services ### "Te ayuda con tus finanzas" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 May 29, 2023 Pros Es in programa muy intuitivo y de fácil uso e implementacion Cons Depende el equipo donde se instale si no cumple las características se torna lento Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. ZZ zach Z. student/intern Education Management ### "Encompass - Mortgage - Intern Review" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 December 13, 2022 Overall, I love Encompass. It was very easy to learn and was effective in managing loan information. I'm sure I will see Encompass again in my future shortly. Pros This software is very user friendly. It's able to hold TONS of information and organize it all into one place. The pipeline is very easy to navigate. It's clearly shown what is what. I loved using this software while in my internship, I really learned a great deal. Cons The one thing I didn't like about it is the visual aspect. It kind of just looks outdated and old. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. RA Robert A. Mortgage Loan Officer Banking ### "Daily User" 3.0 Overall Rating 3.0 3.0 Ease of Use 3.0 3.0 Features 3.0 3.0 Customer Service 3.0 3.0 Likelihood to Recommend 5/10 August 4, 2022 Slow and lacking in a true flow process Pros Integration with DU/LP, Credit, pipeline management Cons This software has very time consuming issue with custom documents and file saving. . . Switched from [BytePro](https://www.capterra.com/p/9297/BytePro/) Cooperate Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Michael M. loan consultant Financial Services ### "Robust and 2nd to none. the long standing standard" 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 0.0 0.0 Likelihood to Recommend 10/10 May 15, 2022 overall, this is the tried and true platform that overall has a set of features that puts it ahead of the competition. Pros the document management and the dashboard customization are probably the biggest features that stand out on the platform Cons if you don't save often enough, you lose your work - highly annoying. it does not have integrated income calculation worksheets. I realize this changes often, but it seems that integrated income calculations would be a great addition since it is used daily. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Heather A. Mortgage Loan Processor Financial Services ### "Don't expect to learn this software quickly" 5.0 Overall Rating 5.0 5.0 Ease of Use 3.0 3.0 Features 5.0 5.0 Customer Service 3.0 3.0 Likelihood to Recommend 8/10 February 15, 2022 I received the trial version of this software back in 2000, while I was using a very user friendly software that this software has put them almost out of business. I was so excited about this software when I was running my own small business but I couldn't even get anyone to tell me how much it cost because they wouldn't talk to me, in addition, it hadn't been fully released just yet. I am a mortgage loan processor. I have worked for companies that are lenders and brokers, plus ran my own small company. I have worked for approximately 5 mortgage companies, but only one of the 5 had the assets and server to run it. In addition, server size and assets are not the only requirements to run this software, you need in house admins that have a lot of experience with this software. Pros What I like most about this software it has the ability to do anything you set up for it to do but with a high price and very educated admin needed. Cons The price of this software is not even available publicly and what is required to run this software is very much hidden from the public. Switched from [Calyx Point](https://www.capterra.com/p/73554/Calyx-Point/) I did not intentionally switch, I only switched because I had to take a full time W2 position at a mortgage company. Only one of the five mortgage companies I worked for could afford this product. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. AN Anonymous User Mortgage Loan Originator Banking ### "Needed but Not User Friendly" 2.0 Overall Rating 2.0 2.0 Ease of Use 1.0 1.0 Features 2.0 2.0 Customer Service 3.0 3.0 Likelihood to Recommend 3/10 August 27, 2021 Its probably the best it gets but unfortunately noone has yet to do it better. Saddening to think we can so so many things in Home Loan Origination that make it easy on the consumer yet lack so severely in the development of a user-friendly LOS system. Pros Encompass is probably the best LOS system out there but that's also the problem. It has a lot of features, so many in fact that it makes it even more difficult to use. You "can" do just about anything in Encompass in regards to Loan Origination but it is not easy to learn and very cumbersome to use. Cons Too busy. Too much like I'm sitting at a 1985 version of Apple IIe computer. It's not very user friendly and doe not have near the helpful help buttons that it needs to quickly explain the thousands of different radio buttons and boxes that it offers. Sure, you can call their "help desk" number or watch their training videos, but have you ever had to watch a training video for Amazon? eBay? Google? - Get my point? Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/37038/Encompass360/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Popular comparisons [LendingWise vs Encompass](https://www.capterra.com/compare/37038-166706/Encompass360-vs-LendingWise)