ICE Encompass — Loan Origination System (LOS)
Encompass, owned by Intercontinental Exchange (ICE) after the Ellie Mae acquisition, is the most widely deployed LOS in U.S. retail and correspondent lendi
Category: Loan Origination System (LOS)
Enterprise LOS used across a large share of U.S. mortgage volume.
Encompass, owned by Intercontinental Exchange (ICE) after the Ellie Mae acquisition, is the most widely deployed LOS in U.S. retail and correspondent lending. It combines loan setup, disclosures, underwriting workflow, closing, and post-closing in a single system, with a large ecosystem of integrated pricing engines, credit vendors, and verification providers. Encompass is typically the right fit for banks, IMBs, and large brokers that need audit-grade compliance, MISMO 3.4 data exchange, and deep investor delivery integrations.
Best for
Mid- to large-size mortgage lenders and brokers that need a compliance-first, integration-heavy platform.
Key capabilities
- Full retail + wholesale + correspondent workflow
- TRID compliance engine
- Encompass Partner Connect API marketplace
- Investor delivery (Fannie, Freddie, Ginnie, private)
- Data & Analytics tools
Common integrations
Optimal Blue, DocMagic, Xactus, Snapdocs, Simplifile
Pricing
Enterprise licensing — request a quote from ICE.
Headquarters: Atlanta, GA
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For loan officers
ICE Encompass handles your file. We handle the follow-up.
Keep every borrower and referral partner warm while the file moves, without hiring an assistant.
- Automated follow-up on every lead
- Realtor partner updates and co-marketing
- Rate-drop and equity alerts on past clients
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