LOS comparison
Encompass by ICE Mortgage Technology is the dominant enterprise loan origination system in U.S. residential mortgage. It handles the full loan lifecycle from application through closing, with compliance automation, investor delivery, and an extensive partner ecosystem.
Overview
Encompass by ICE Mortgage Technology is the dominant enterprise loan origination system in U.S. residential mortgage. It handles the full loan lifecycle from application through closing, with compliance automation, investor delivery, and an extensive partner ecosystem.
Feature comparison
| Feature | Encompass | Relip |
|---|---|---|
| Investor loan types | Consumer/agency primary; non-QM via customization | DSCR, bridge, fix-flip, construction, rental portfolio native |
| Lead generation | None — LOS only | Investor-specific lead gen with maturity intelligence |
| AI screening | Automated underwriting (DU/LP) for consumer | AI pre-screening for investor deal qualification |
| Pricing engine | EPP for consumer rates | Investor loan scenario pricing across non-QM lenders |
| Deal tracking | Full consumer loan pipeline | Investor deal lifecycle from lead to funded loan |
| Document management | Enterprise doc management | Investor-focused borrower portal with doc checklists |
| Capital access | Agency investor delivery | Direct lender — wholesale and correspondent channels for DSCR, bridge, and commercial |
| Cost | $500+ per seat/month (estimated) | Contact for pricing |
Large mortgage lenders and brokerages originating high volumes of consumer/agency mortgage who need compliance automation and investor delivery.
Mortgage brokers focused on investor lending who need a purpose-built platform without the cost and complexity of an enterprise LOS.
Pricing
Encompass pricing is enterprise-level, estimated at $500+ per seat/month including mandatory add-ons. Contact ICE for exact quotes.
See the difference for yourself
Compare Encompass and Relip side by side — or let us show you how Relip handles investor lending workflows.
FAQ
Common questions about switching from Encompass to Relip for investor lending.
Encompass can handle DSCR loans with custom configuration, but it was designed for consumer/agency mortgage. The compliance engine, pricing, and workflows are optimized for conventional, FHA, and VA — not investor lending.
Encompass is an enterprise LOS for consumer mortgage origination and compliance. Relip is a purpose-built investor lending platform with DSCR lead generation, AI screening, non-QM pricing, and direct lending through wholesale and correspondent channels — at a fraction of the cost and complexity.
Encompass is designed for enterprise operations and pricing reflects that. Small to mid-size brokerages focused on investor lending often find the cost, contract terms, and complexity disproportionate to their needs.
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Relip is a direct lender with wholesale and correspondent channels — plus lead generation, AI screening, deal pricing, term sheets, and order management in one platform. 100% wholesale: we never compete with brokers.