# Page 2 | Encompass Reviews 2026. Verified Reviews, Pros & Cons | Capterra

> Page 2 - 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

---

Encompass

4 (42)

[View alternatives](https://www.capterra.com/p/37038/Encompass360/alternatives/)

Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/)

* * *

Last updated March 13th, 2026

# Page 2 - Reviews of Encompass

## Showing most helpful reviews

Showing 26-42 of 42 Reviews

Sort by:

Most Helpful

Rating

Company Size

Reviewer's Role

Length of Use

Frequency of Use

KL

Kara L.  
Chief Operating Officer  
Financial Services  
Used the software for: 2+ years

### "Lots of in-house work & cost"

August 30, 2019

3.0

It is a system necessary to complete the origination and training.

Pros

Does have some cool features especially around state disasters and other triggers and red flags to help identify issues which are more ancillary.

Cons

Locks you into their vendors or you get charged excessively. In addition, it takes hiring one to two certified programmers to keep the programming running while paying excessively.

Alternatives considered

[MeridianLink Mortgage](https://www.capterra.com/p/123177/LendingQB/)[BytePro](https://www.capterra.com/p/9297/BytePro/)

Review Source

Nichole C.  
Processoe  
Banking  
Used the software for: 2+ years

### "Thes best for mortgage agreed "

December 29, 2018

5.0

Pros

This is the best software for mortgages easy to use and user friendly

Cons

Least like about software is when there is an update there are always glitches

Review Source

TP

Tony P.  
Manager  
Financial Services  
Used the software for: 2+ years

### "Encompass does it all"

October 27, 2020

5.0

Origination software that organizes and maintains the file throughout the process. Allows for complete paperless offices.

Pros

The features that are most impactful is the ability for all levels of the loan process to be able to work on a file without security issues. Each department has its own permissions so there is no concern for file manipulation.

Cons

The number of features can be overwhelming for new users. It is complex and niche driven. It is very expensive so there isn't universal acceptance in the industry due to the barrier to entry for smaller shops.

Review Source

RA

Robert A.  
Mortgage Loan Officer  
Banking  
Used the software for: 2+ years

### "Daily User"

August 4, 2022

3.0

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

VR

Verified Reviewer  
Auditor  
Banking  
Used the software for: 2+ years

### "Best mortgage software I have ever used."

April 20, 2019

5.0

My experience has been positive. I find it a lot easier than other mortgage software systems.

Pros

I like the reporting functions of the software. The ability to order third party services such as flood certificates, appraisals, compliance checks is top-notch. \[SENSITIVE CONTENT HIDDEN\] does a good job of releases updates and support.

Cons

Only one person can work in a file at a time. It would be nice if at least two people could work in a file at once.

Review Source

VC

Vinny C.  
LO  
Financial Services  
Used the software for: 1-2 years

### "Versatile and powerful "

November 22, 2019

5.0

I've used several different LOS products and Encompass is by far the best and most versatile program out there.

Pros

Encompass's ability to integrate with other programs and software is a huge benefit. To be able to access external sites and partners within this system is such a time saver. It can also be customized and adjusted to suite your needs.

Cons

There is a slight delay when saving information.

Review Source

VR

Verified Reviewer  
Licensing Specialist  
Financial Services  
Used the software for: 6-12 months

### "Fantastic"

June 14, 2018

4.0

Pros

I love how easy it is to use and customize to your needs. It is also nice te be able to truat the functions it already performs and why iy perfoms them that way.

Cons

I am not sure I have something I dont like. Maybe that in admin reports you have to keep building reports vs being able to use one report that just refreshes with data

Review Source

EV

ELLIOTT V.  
Senior UW/Change Manager  
Financial Services  
Used the software for: 2+ years

### "I've used this software in two different companies over the past ten years."

March 7, 2018

3.0

At the end of the day there's an audit trail to see who may have worked on the respective loan.

Pros

Navigating is simple enough, especially when the IT folks in-house have real industry experience up front in setting the system up during the initial launch as a platform.

Cons

Lockout periods, poor performance metrics, outdated. System has default coding that flags user scenario situations and causes intermittent lockouts causing delays, and necessitating ADMIN outreach to override. Customer service folks are slow to respond. Lack of urgency.

Review Source

SO

Selueni O.  
MLO  
Financial Services  
Used the software for: 2+ years

### "Very Slow "

August 19, 2020

3.0

the slowness of the system is very problematic and causes my work to run inefficiently

Pros

everything i need is mostly inside of encompass - very convenient.

Cons

Very Slow - the system lags to load and login, it lags to get inside a new file and is slow overall.

Review Source

VR

Verified Reviewer  
Loan Originator  
Real Estate  
Used the software for: 2+ years

### "The WORST LO Software EVER"

August 19, 2020

1.0

If I had it my way I would never, ever use this software again.

Pros

A lot of modifications are there to be adjusted.

Cons

It looks like Windows 95, slow, slow, slow...

Review Source

SC

Stephen C.  
Business Consultant  
Banking  
Used the software for: 2+ years

### "My favorite LOS"

October 23, 2019

5.0

I love this system. When searching for a new LOS system I used Encompass as my bass comparison and no one could match all the needs and wants that Encompass could.

Pros

Encompass is my favorite Loan Origination System (LOS). It allows you to customize it to your business needs, helps maintain compliance and more. It integrates with several other systems saving lots of time.

Cons

When you create new rules/ edits/ requirements it does not put them on existing files. They will only apply to new loan files.

Reason for choosing Encompass

The features of Encompass couldn’t be matched!

Review Source

EP

Erik P.  
Director of Technology  
Religious Institutions  
Used the software for: 2+ years

### "from the perspective of an applicant"

January 7, 2020

4.0

Encompass helped with communication and greatly simplified the mortgage application process.

Pros

I was very impressed with how easily this software handled the entire process of my mortgage application. This program made it much quicker and easier than the last time I did this with meetings, faxes, and lots of paper.

Cons

The interface seems a little dated. Some of the text is very small. The navigation seems a little weird in places, like, it took me a while to figure out who the provider of the software is.

Review Source

VR

Verified Reviewer  
Graphic Designer  
Financial Services  
Used the software for: 6-12 months

### "Best software in the mortgage industry"

December 15, 2017

4.0

Pros

Encompass has customizable features including different templates to fit our company needs. It is the leading software in the mortgage industry for a reason! It aids us in the loan process all the way to close and the reporting feature is great.

Cons

The LO websites are outdated and are due for a major update. Reporting such as website metrics are also limited.

Review Source

VR

Verified Reviewer  
Post Closer II  
Financial Services  
Used the software for: 1-2 years

### "Wish I was still using Encompass"

September 27, 2018

5.0

Pros

Easy to use, lots of functionality throughout the software. Interface is updated.

Cons

Nothing bad to say, a mortgage tool that is actually up to date.

Review Source

JH

Justin H.  
Loan Manager  
Financial Services  
Used the software for: 2+ years

### "Encompass 360"

January 22, 2019

5.0

Pros

The software was very user friendly and if set up correctly would send out automatic emails to the respective parties, this helped keep everyone on the same page during the loan process.

Cons

Encompass 360 offers a conversation log that any user can utilize for notes; however it didn't allow notes to be updated, you have to put a new note in each time.

Review Source

Gregory L.  
AE  
Information Technology and Services  
Used the software for: 1-2 years

### "Encompass"

December 4, 2018

2.0

Pros

It does everything you need, but not well

Cons

its not really a great in program experience

Review Source

JA

Jenn A.  
Data Specialist  
  
Used the software for: 2+ years

### "Outstanding product"

June 7, 2017

5.0

Pros

This software is really easy to use and has never given me any issues. I will continue to use this software.

Review Source

Similar Products

Featured