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 marketplace of add-ons
- 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 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 | Wholesale capital aggregator — DSCR, bridge, and commercial through one approval |
| Cost | $500+ per seat/month (estimated) | 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 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
Encompass vs Relip FAQs
Common questions about switching from Encompass to Relip for investor lending.
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See why brokers choose Relip over Encompass
Relip is a wholesale capital aggregator with a vetted network of warehouse, correspondent, and direct-fund partners — plus lead generation, AI screening, deal pricing, term sheets, and order management in one platform. 100% wholesale: we never compete with brokers.