# Encompass Reviews 2026. Verified Reviews, Pros & Cons | Capterra

> Is Encompass the right Mortgage solution for you? Explore 42 verified user reviews from people in industries like yours to make a confident choice.

Source: https://www.capterra.com/p/37038/Encompass360/reviews

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Encompass

4 (42)

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Last updated March 13th, 2026

# Reviews of Encompass

Ease of use

3.6

Customer Service

3.6

## Pros and Cons in Reviews

Michael M

loan consultantFinancial Services, 501 - 1,000 employeesUsed the software for: 1-2 years.

“the document management and the dashboard customization are probably the biggest features that stand out on the platform“

May 15, 2022

HM

Henry M

Technical Support AnalystFinancial Services, 51 - 200 employeesUsed the software for: Less than 6 months.

“High cost for small businesses“

July 25, 2024

Jason C

Mortgage Loan OriginatorBanking, 51 - 200 employeesUsed the software for: 6-12 months.

“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. “

August 27, 2021

zz

zach z

student/internEducation Management, 201 - 500 employeesUsed the software for: 6-12 months.

“The one thing I didn't like about it is the visual aspect.“

December 13, 2022

Heather A

Mortgage Loan ProcessorFinancial Services, Self-employedUsed the software for: 6-12 months.

“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.“

February 15, 2022

## Showing most helpful reviews

Showing 1-25 of 42 Reviews

Sort by:

Most Helpful

Rating

Company Size

Reviewer's Role

Length of Use

Frequency of Use

Heather A.  
Mortgage Loan Processor  
Financial Services  
Used the software for: 6-12 months

### "Don't expect to learn this software quickly"

February 15, 2022

5.0

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

AB

Alysson B.  
Controller  
Banking  
Used the software for: 2+ years

### "Robust Mortgage LOS"

December 18, 2024

4.0

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

JM

Jana M.  
Sr. Loan Officer  
Real Estate  
Used the software for: 2+ years

### "Long time Daily Encompass User"

January 23, 2025

3.0

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

VR

Verified Reviewer  
Pharmacy Intern  
Banking  
Used the software for: 2+ years

### "All you'll ever need"

April 2, 2019

5.0

Pros

All inclusive from application to closing. It integrates well with leads, credit bureaus, etc

Cons

It's hard to find docs in the efolder if put in the wrong spot. Be sure to stay organized

Review Source

Michael M.  
loan consultant  
Financial Services  
Used the software for: 1-2 years

### "Robust and 2nd to none. the long standing standard"

May 15, 2022

5.0

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

RG

Ron G.  
Loan Store  
Real Estate  
Used the software for: 2+ years

### "My Expert Review Using Encompass for 10 Years"

March 4, 2024

3.0

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

Jason S.  
Account Executive  
Financial Services  
Used the software for: 2+ years

### "Encompass 360 is the Cadillac of loan origination systems if you can get it to work."

April 11, 2018

4.0

Pros

I like all the bells and whistles the loan origination software includes. The system is customizable from every aspect.

Cons

I do not like the Ellie Mae hosting of the data servers. Their servers are very inconsistent. Also, there are issues when more than 1 person enters the loan.

Review Source

Jason S.  
Senior Account Executive  
Banking  
Used the software for: 2+ years

### "Encompass is a DUD"

May 20, 2019

3.0

Pros

Encompass has many features which makes the system very versatile.

Cons

I do not like the software because it is very slow for the end user. Also, all the features makes the software overwhelming at times.

Review Source

Rana G.  
Sales Manager  
Financial Services  
Used the software for: 2+ years

### "Encompass"

May 14, 2019

4.0

Pros

ease of use and description of tabs is a plus

Cons

the latency issues with this software is too much- needs a faster process

Review Source

DF

David F.  
Business Development Executive  
Real Estate  
Used the software for: 2+ years

### "A very robust tool for loans officers and loan professionals when determining loan options and UW"

June 25, 2018

5.0

Pros

very flexible and customer service is very good. They are very attentive to requests and are able to timely rectify problems with viable solutions

Cons

Not enough conferences to attend. The conferences are a wealth of information and would like to see them more often

Review Source

KS

Kelly S.  
Manager Compensation Benefits and Staffing  
Entertainment  
Used the software for: 2+ years

### "Encompassing Visions Software"

October 26, 2020

4.0

The benefit of using this software is time management, software provides automated job descriptions, correct competencies which align with core values. Interview guides with the correct competencies for each job. Exceptional customer service.

Pros

Easy to evaluate all jobs/positions provide correct competencies for each job. Job descriptions/interview guides are also ready to print once you have completed the evaluation. Easy to customize. Has the ability for performance management (have not yet implemented) Quick and easy upgrades to software.

Cons

The only issue I have would be to increase the points between each pay band.

Reason for choosing Encompass

Unaware of other products.

Review Source

TM

Tom M.  
President & CEO  
Banking  
Used the software for: 2+ years

### "Solid mortgage origination option"

October 6, 2020

4.0

We've used Encompass for 15-20 years. It's aged well, and we're currently going through an upgrade, so hopefully the functionality continues to improve. Decent value for the price, and volume that our bank pushes through it.

Pros

It's pretty much the industry standard. Easy to use, easy to train on, decent online application process.

Cons

It would be nice to see progress on core processor integrations. Many of the other origination systems that we're using now links directly to our core, which helps optimize our workflows.

Reason for choosing Encompass

At the time, Encompass was about the only game in town.

Review Source

AW

Ashanti W.  
Supervisor  
  
Used the software for: 1-2 years

### "Decent"

October 13, 2017

4.0

Pros

My company uses encompass 360 on a daily basis. It's easy to learn and navigate through. It houses multiple functions.

Cons

We tend to have system errors on occasion & pop ups which cause you to abort frequently. It rather frustrating.

Review Source

CG

Chris G.  
Compliance  
Banking  
Used the software for: 6-12 months

### "Great for HMDA reviews"

April 16, 2021

5.0

Overall, I feel the experience with Encompass is great. If they work on improving the slight bugs in their document uploading/storage, I think it would be an even better solution.

Pros

Encompass is an easy to use software. I mostly use it to pull saved documents during HDMA reviews, but I am definitely a fan at how easy it makes the process.

Cons

We have had issues in the past of some documents not uploading correctly (being corrupted), and it was a pain the track these documents down. It doesn't happen too often, but the software being unreliable even 1% of the time can be a pain.

Review Source

HM

Henry M.  
Technical Support Analyst  
Financial Services  
Used the software for: Less than 6 months

### "Encompass Review"

July 25, 2024

5.0

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

VR

Verified Reviewer  
Mortgage Loan Originator  
Banking  
Used the software for: 6-12 months

### "Needed but Not User Friendly"

August 27, 2021

2.0

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

VR

Verified Reviewer  
Mortgage Underwriter  
Financial Services  
Used the software for: 2+ years

### "Encompass Review by Mortgage Operations Professional"

December 13, 2018

4.0

Encompass is a solid tool for originating mortgage loans, especially when selling to FNMA or FHLMC. It provides convenience in terms of one place to keep all loan files, including those with adverse action notices and closed and sold loans. The functionality can take time to master, but it is simple enough once you know your way around.

Pros

It was a great tool for tracking loans from origination to closing and beyond. The disclosure tracking system ensures compliance with all applicable laws and regulations. The ability to run AUS, order appraisals, and obtain VOEs and other third-party documentation was convenient and efficient.

Cons

The formatting was a little archaic. The methods for searching were not always user friendly and it was hard to know if everything I was attempting to search for was being pulled up. Some forms could not be edited while certain windows were opened, which was inconvenient.

Review Source

FR

Fredy R.  
Tec. Administración  
Information Technology and Services  
Used the software for: 1-2 years

### "Te ayuda con tus finanzas"

May 29, 2023

5.0

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

zZ

zach Z.  
student/intern  
Education Management  
Used the software for: 6-12 months

### "Encompass - Mortgage - Intern Review"

December 13, 2022

5.0

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

VR

Verified Reviewer  
Sr Pipeline Manager  
Financial Services  
Used the software for: 2+ years

### "Encompass or Caylyx?"

September 25, 2020

5.0

I give it an 8 out of 10. Encompass takes a while to learn, and if you are new to the industry - it can be a pain to learn this system and how to sell/the process

Pros

You might be wondering what LOS to use. I do recommend Encompass as it has many integrations with pricing and pulling credit. You can completely work in Encompass with minor use of a CRM.

Cons

I do like using a CRM often. It is great for keeping track, but you cant make any custom fields or access notes/convo log quickly.

Review Source

WM

William M.  
CTO  
Management Consulting  
Used the software for: 2+ years

### "Poor Performance and Customer Service"

August 24, 2016

1.0

I'm an IT professional who hates this antiquated software with a passion. The performance is horrible and has customer support to match. Regardless of the issue, their answer is to add more RAM. Their data center is crashing? Not theirs but yours for not having 24GB of RAM per machine. Their app is 32-bit so it can't even use more than 4 GB. I attended the Ellie Mae conference trying to get an idea of what others did to improve performance. Their response was that you should just learn to deal with it because Ellie Mae won't acknowledge issues.

Pros

Nothing comes to mind. I'm currently looking at other options to replace Encompass.

Cons

Everything. The app is obsolete and needs to be completely replaced. Ellie Mae lacks the expertise to host a data center and it shows. Most days their IT staff have no idea an issue is occurring. Customer support's default reply is "no one else has complained" until they realize it is a wide spread issue and only then do they take any sort of half hearted action. When Encompass crashes, and it will frequently, there is nothing you can do but restart your process.

Review Source

VR

Verified Reviewer  
Compliance Analyst  
Financial Services  
Used the software for: 1-2 years

### "Great Origination LOS for Mortgage Lenders"

February 15, 2019

4.0

Anyone who can take a 1003 application will find this system a breeze to use. It is easy for an originator who is not computer savvy to use without too much system training.

Pros

This program is based online so you can access your client's loan from anywhere and work from any location. The ability to merge, duplicate, and split files makes this an incredible LOS to work in since loan scenarios can change at any time.

Cons

If you do not have internet or have an internet outage, you will not be able to access the software.

Review Source

JB

J B.  
  
Banking  
Used the software for: 2+ years

### "Good software but..."

July 9, 2016

3.0

I have used Encompass at several different companies. In each case, it is set up differently causing a huge learning curve. I realize that it is designed to be customizable to each company but it is TOO customizable. It needs to be more standardized because the admins who support it (as best they can) spend to much time chasing down problems and compliance issues. When a group of admins have had to create their on group online to discuss problems because they are not getting support from the company that's pretty bad. Apparently, the strength of this software is the servicing side which I am not familiar with. The origination side is clunky compared to Point, Genesis, Byte, Dorado and others I have used in my 33 years in the business.

Pros

Good on the servicing side

Cons

Software is too busy and visually unorganized and not user friendly or intuitive.

Review Source

VR

Verified Reviewer  
Pharmacy Intern  
Banking  
Used the software for: 2+ years

### "Great support"

April 2, 2019

5.0

Pros

ellie mae has fantastic support for any questions or troubleshooting

Cons

make sure you have proper bandwidth, takes a lot of resources.

Review Source

VR

Verified Reviewer  
Loan Officer Assistant  
Financial Services  
Used the software for: 2+ years

### "Encompass is a necessary evil."

May 15, 2018

3.0

Pros

It provides us with the ability to create loan applications, and that's about all it is good for.

Cons

It is very "clunky" and not even sort of user friendly. It is slow as heck and well behind the times technology-wise.

Review Source

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