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.
LOS comparison
Encompass alternative for investor lending
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
About Encompass
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.
What Encompass does well
- Industry-standard LOS with the largest market share in U.S. mortgage
- Comprehensive compliance engine and automated underwriting integrations
- Massive partner ecosystem and add-on library
- Handles the full consumer mortgage lifecycle end-to-end
Where Encompass falls short for investor lending
- Built for consumer/agency mortgage — investor lending is an afterthought
- Expensive and complex for small to mid-size brokerages
- DSCR and non-QM workflows require extensive custom configuration
- No investor lead generation, direct lending, or broker-side marketing
Feature comparison
Encompass vs Relip
| 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 texts back every lead reply and asks your screening questions |
| Pricing engine | EPP for consumer rates | Prices Relip’s fix and flip, ground-up, DSCR and bridge programs as you type, with branded term sheets |
| 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, 100% wholesale, 15 investor loan programs |
| Cost | Enterprise pricing, quoted by ICE | Contact for pricing |
Who Encompass is best for
Large mortgage lenders and brokerages originating high volumes of consumer/agency mortgage who need compliance automation and investor delivery.
Who Relip is best for
Mortgage brokers focused on investor lending who need a purpose-built platform without the cost and complexity of an enterprise LOS.
Pricing
Encompass Pricing
Encompass is sold on enterprise pricing, usually with add-ons. Contact ICE for a quote.
See the difference for yourself
Compare Encompass and Relip side by side — or let us show you how Relip handles investor lending workflows.
FAQ
Encompass vs Relip FAQs
Common questions about switching from Encompass to Relip for 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, 100% wholesale — 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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See why brokers choose Relip over Encompass
Relip provides the capital, white label, under your brokerage’s name. Relip is a direct lender, 100% wholesale, and never competes with brokers. Lead generation, AI follow-up, deal pricing, term sheets and the LOS sit in one platform.