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Encompass by ICE Mortgage Technology from Ellie Mae (now part of ICE Mortgage Technology)
End-to-end loan origination system that simplifies the mortgage lifecycle. Offers features such as underwriting, compliance checks, and real-time collaboration capabilities.
More about Ellie Mae (now part of ICE Mortgage Technology)
Product analysis by function
Loan Operations for Operations
Platforms for managing the operational aspects of loan servicing, documentation, and disbursement.
More Loan Operations
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Loan Origination
(13 Yes /13 Known /14 Possible features)
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Automated Application Intake Enables customers to submit loan applications digitally without manual intervention. |
Vendor documentation and product marketing clearly state digital intake without manual intervention as a core capability. | |
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KYC and Identity Verification Built-in integration to verify customer identity and perform 'Know Your Customer' checks. |
ICE Encompass integrates KYC providers for identity verification as per compliance features described in documentation. | |
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Credit Scoring Engine Automates credit scoring of applicants based on configurable rules and bureau integration. |
Automated credit decisioning and bureau integrations are advertised as part of the Encompass feature set. | |
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Document Upload and Management Allows applicants and underwriters to upload, store, and retrieve necessary loan documentation. |
Document upload, management, and eFolder capabilities are highlighted in feature documentation. | |
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Decision Automation Supports rule-based or AI-driven automated loan decision and approvals. |
Decision automation using rules and configurable workflows is a core mortgage origination feature. | |
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Multi-Product Support Ability to originate multiple loan products (e.g., mortgages, auto, personal) from a single system. |
Product enables origination for multiple loan types (conventional, FHA, VA, etc.). | |
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Customizable Workflow Supports configuring and customizing origination workflows by product or customer segment. |
Customizable and configurable workflow tools described in the Encompass business rules and workflow engine documentation. | |
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Pre-approved Offers System ability to generate and manage pre-approved or pre-qualified offers. |
Product offers the ability to manage pre-approval and pre-qualification offers per onsite material. | |
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Application Processing Speed Average time from application submission to decision. |
No information available | |
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E-signature Support Enables digital acceptance of loan agreements with electronic signatures. |
E-signature is supported via integrations (e.g., DocuSign, Encompass eSign). | |
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Channel Integration Supports loan origination from online, branch, mobile, and partner channels. |
Loan applications can be submitted through web portals, branches, mobile, and third party sites. | |
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Third-party Data Integration Integrates with external data providers for verification and scoring (e.g. credit bureaus). |
Integration with credit bureaus, verification services and external data sources is a major selling point. | |
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Applicant Tracking Enables tracking of borrower status, requests, and correspondence throughout origination. |
Applicant tracking including real-time status is part of core workflow per ICE documentation. | |
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Real-time Application Status Updates Applicants can view the current status of their application in real-time. |
Borrowers can view application status online, and portals provide real-time updates. |
Loan Servicing
(12 Yes /12 Known /13 Possible features)
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Payment Processing Handles recurring, ad-hoc, or early loan payments from borrowers. |
Payment processing, including scheduled and ad-hoc payments, is supported through integrations. | |
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Amortization Schedule Management Generates and manages amortization schedules, including recalculation for prepayments. |
Product provides amortization schedules with support for recalculation. | |
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Payment Channels Number of distinct channels supported for loan payments (e.g., online, mobile, ACH, branch). |
No information available | |
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Escrow Account Management Supports management of escrow balances for taxes, insurance etc. |
Escrow management modules are included for taxes and insurance. | |
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Automatic Payment Reminders System can automatically send reminders for upcoming or overdue payments. |
Automatic payment reminder functionality is included in servicing workflows. | |
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Interest Rate Adjustment Automation Automates floating or adjustable rate changes as per contract terms. |
Adjustable rate mortgages and rate changes are supported by the system. | |
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Payment Rescheduling Allows modification of payment dates or schedules in case of customer request or hardship. |
Payment rescheduling is included for forbearance and hardship processes. | |
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Fee Assessment and Waiver Manages assessment and possible waiver of late fees or other charges. |
Late fees, custom charges, and waivers are supported. | |
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Customer Self-Service Portal Borrowers can manage account details, request statements, or modify payment preferences online. |
Customer-facing portal described in documentation and product demos. | |
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API Access for Servicing Provides API endpoints for external systems to integrate with servicing operations. |
Extensive servicing APIs are advertised for partner and tool integrations. | |
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Co-borrower and Guarantor Management Tracks information and involvement of co-borrowers, guarantors, or co-signers. |
Co-borrower and guarantor management is included (standard in mortgage). | |
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Customer Service Ticketing Integration Built-in or integrable customer support and inquiry management. |
Help desk and support ticketing integrations are available. | |
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Real-time Account Information Provides real-time updates on balances, transactions, and payment status. |
Account info and loan status are updated in real time within the user portal. |
Collections and Delinquency Management
(6 Yes /6 Known /11 Possible features)
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Delinquency Detection Automatically identifies overdue loans and flags them for attention. |
Automated delinquency and late payment detection modules are standard in servicing. | |
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Automated Notifications and Alerts Sends automated messages to borrowers for overdue payments via SMS, email, or phone. |
Automated reminders, alerts, SMS/email notification for collections are available. | |
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Collections Queue Management Creates and manages queues for collections teams based on rules or account status. |
No information available | |
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Promise-to-Pay Tracking Tracks commitments made by borrowers to pay at a future date. |
Collections modules support promise-to-pay tracking. | |
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Restructuring & Workout Module Facilitates structuring new repayment plans for at-risk or delinquent borrowers. |
Restructuring/forbearance and workout capabilities are described in ICE support documents. | |
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Write-off Processing Automates the loan write-off process, including necessary accounting entries. |
No information available | |
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Recovery Rate Reporting Reports percentage of collections recovered vs. delinquent balances. |
No information available | |
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Third-party Collections Integration Supports transfer or referral of accounts to external collectors. |
Third-party collector integration is supported through APIs. | |
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Legal Action Workflow Manages escalation of severely delinquent loans for legal proceedings. |
No information available | |
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Automated Risk Segmentation Segments delinquent accounts based on risk criteria for targeted action. |
No information available | |
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Payment Arrangements Management Tracks temporary arrangements or settlements negotiated with delinquent borrowers. |
Loan servicing and collections processes support payment arrangement tracking. |
Reporting and Analytics
(9 Yes /9 Known /10 Possible features)
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Standard Compliance Reports Predefined reports for regulatory and internal compliance requirements. |
Standard compliance reports for regulatory needs are provided out of the box. | |
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Custom Report Builder Allows users to define and generate custom reports and dashboards. |
Custom report builder and dashboard tools available in Encompass analytics suite. | |
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Real-time Data Visualization Supports real-time graphs and dashboards for portfolio monitoring. |
Real-time portfolio dashboards and reporting are demonstrated in product materials. | |
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Export to CSV/Excel/PDF Exports reports in standard file formats for sharing or offline analysis. |
Export to PDF/Excel/CSV is available in reporting suite. | |
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Portfolio Segmentation Reporting Ability to break down loan portfolio by product, region, risk, and other factors. |
Reports include breakdowns by region, branch, product, etc. | |
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Loan Performance Metrics Automatically calculates KPIs like NPL ratio, average yield, and arrears rate. |
Automated calculation of loan performance KPIs included. | |
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Trend Analysis Tracks portfolio changes and performance over time. |
Trend analysis of portfolio and loan cohort performance is available. | |
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Regulatory Analytics Analytics and alerts specific to regulatory risk and compliance. |
Regulatory alerting and analytics provided (TRID, HMDA, etc.) | |
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Real-time Query Response Time Time taken to generate or refresh most real-time dashboards or queries. |
No information available | |
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Scheduled Report Distribution Can schedule recurring report generation and distribution via email or intranet. |
Scheduled, automated report distribution is supported. |
Integration and Interoperability
(8 Yes /8 Known /10 Possible features)
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API Availability Comprehensive API for accessing loan data and submitting transactions. |
Comprehensive API suite for loan data and transactions per developer documentation. | |
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Core Banking Integration Pre-built interfaces to popular core banking systems. |
Integrates with core banking systems such as Fiserv and Jack Henry, as described on site. | |
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Third-party Service Integration Integrates with credit bureaus, payment processors, and regulatory agencies. |
Integrates with payment processors, bureaus, and other third parties. | |
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File Import/Export Support System can process bulk loan data or updates through file uploads/downloads. |
Bulk file import/export is available for loan-level data. | |
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Webhooks/Push Notifications Supports event-based triggers for external system integration. |
No information available | |
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Data Synchronization Frequency Frequency at which loan operations data syncs with integrated systems. |
No information available | |
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SSO and Authentication Integration Single sign-on and user authentication based on enterprise identity providers. |
Supports SSO and integrates with enterprise identity providers. | |
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Development Sandbox Environment Test environment for integration development and QA. |
Test and sandbox environments are available for integrators. | |
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Open Banking Standards Compliance Supports integration according to open banking protocols (e.g. PSD2). |
Supports open banking APIs including (where relevant) PSD2 requirements. | |
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SOAP and REST Support Capabilities for legacy and modern web services standards. |
SOAP and REST API integrations supported per developer hub. |
Risk and Compliance Management
(10 Yes /10 Known /10 Possible features)
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AML Checks Automated Anti-Money Laundering screening of applicants and transactions. |
Includes automated AML screening as part of compliance suite. | |
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Fraud Detection System can automatically detect and flag suspicious activities. |
Automated fraud detection and flagging is available through integrations and built-in rules. | |
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Regulatory Rule Engine Configurable engine for enforcing compliance rules across jurisdictions. |
Configurable compliance engine included; supports federal and state rule enforcement. | |
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Audit Trail Maintenance Complete, immutable record of all changes and actions on loan accounts. |
Audit logging is provided for all loan changes and data updates. | |
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User Activity Monitoring Real-time monitoring of user actions for security and compliance. |
User activity monitoring for security and compliance is included. | |
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Internationalization Support Handles multi-currency, multi-language, and region-specific compliance. |
Supports multi-currency, multi-language, and regional requirements in international deployments. | |
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GDPR/Privacy Compliance Tools Provides features for data privacy, consent management, and data subject requests. |
GDPR and privacy compliance features checked, as per product compliance documentation. | |
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Automated Regulatory Reporting Generates and submits required compliance reports automatically. |
Automated regulatory reporting (e.g. HMDA, TRID) is a central feature of Encompass. | |
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Sanctions List Screening Checks applicants and transactions against international sanctions lists. |
Sanctions screening for international payments and applicants is supported. | |
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Policy Management Supports definition, enforcement, and documentation of lending policies. |
Policy management and decisioning policy enforcement are configurable. |
Customer Experience and Communication
(8 Yes /8 Known /10 Possible features)
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Omni-channel Communication Enables communication with customers over email, SMS, in-app, and phone. |
Omni-channel communication (email, SMS, phone) is standard for customer interaction. | |
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Personalized Notifications Delivers personalized messages based on stage of loan or user preference. |
Personalized alerts and reminders based on loan stage and customer preferences. | |
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Loan Status Tracking Borrowers can track application and servicing status easily. |
Borrowers can track loan and application status in the online portal. | |
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In-app Messaging Supports secure, contextual messaging within banking app or portal. |
In-app contextual messaging is available through the borrower portal. | |
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Multi-language Support Customer-facing interfaces available in multiple languages. |
Multi-language support is provided for user-facing portals. | |
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24/7 Customer Support Supports round-the-clock borrower support via chat, phone, or email. |
24/7 email/chat/phone support is advertised. | |
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Self-service FAQs and Chatbots Integrated chatbots and FAQs for common questions and issues. |
FAQ and chatbot support is included for customer self-service. | |
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Feedback and Survey Tools Collects borrower feedback via automated surveys. |
No information available | |
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Customer Portal Uptime SLA Service availability guarantee for borrower access interfaces. |
No information available | |
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Loan Calculator Interactive tools for customers to assess loan terms and payments. |
Loan calculators are present for customers to preview terms and payments. |
Security and Data Protection
(8 Yes /8 Known /10 Possible features)
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Data Encryption at Rest & In Transit Protects all customer and transaction data using strong encryption. |
All customer and transaction data is encrypted at rest and in transit. | |
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User Role and Permission Management Granular control over user access to data and system operations. |
Granular user permissions and roles are configurable at system and product level. | |
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Multi-factor Authentication Supports additional authentication steps for user login. |
Supports multi-factor authentication for user and admin access. | |
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Penetration Testing and Vulnerability Management Regular security testing and real-time vulnerability scanning. |
Penetration testing and vulnerability scanning are regularly performed as per vendor compliance docs. | |
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Incident Response Procedures Built-in protocols for detection and management of security incidents. |
Incident detection and response procedures are embedded in ICE operational processes. | |
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Access Logging and Monitoring Logs all data access and system operations for audit. |
Comprehensive access logging for audit and monitoring provided. | |
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Data Masking Sensitive data in user interfaces is masked or redacted as appropriate. |
Sensitive data, e.g. SSNs, are masked/redacted in UI. | |
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Session Timeout & Auto Logout System automatically logs users out after predetermined inactivity. |
Session timeout and auto logout after inactivity. | |
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Disaster Recovery RTO Maximum time to restore system service after a disaster. |
No information available | |
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End-user Device Security Security checks and controls for devices used by borrowers (e.g., mobile app integrity). |
No information available |
Scalability and Performance
(4 Yes /4 Known /10 Possible features)
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Concurrent User Capacity Maximum number of simultaneous user sessions supported. |
No information available | |
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Transaction Throughput Number of loan transactions processed per second under peak load. |
No information available | |
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Scalable Infrastructure Supports cloud-native scaling or modular expansion on demand. |
Product is cloud-native; supports scalable deployments and modular expansion. | |
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Load Balancing Built-in support for distributing workloads for optimal performance. |
Load balancing and high availability supported in ICE cloud infrastructure. | |
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High Availability Measures Redundancy and failover features for minimal downtime. |
Redundancy and failover measured for high availability are present according to SLAs. | |
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Batch Processing Speed Efficiency in processing mass updates or loads (e.g. end-of-day settlements). |
No information available | |
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Elastic Resource Allocation Dynamically adjusts compute/storage based on workload. |
Elastic scaling is a noted aspect of their SaaS offering. | |
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Latency for Key Operations Time taken for key user operations (e.g., disbursement). |
No information available | |
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Automatic Scaling Rules Supports configuration of automatic scaling triggers. |
No information available | |
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Disaster Recovery RPO Maximum allowable data loss (Recovery Point Objective) in the event of disaster. |
No information available |
Product Configuration and Customizability
(10 Yes /10 Known /10 Possible features)
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Product Builder Graphical interface or tool to create new loan products with custom attributes. |
Allows configuration/management of loan products with custom attributes in UI. | |
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Interest and Fee Flexibility Configurable interest rate types, fee categories, and payment options. |
Interest, fees, and payment options are configurable. | |
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Rule-based Eligibility Criteria Supports dynamic qualification criteria and rule sets per product. |
Rule-based eligibility can be customized per product. | |
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Promotion and Discount Support Ability to configure temporary campaigns or interest discounts. |
Promotion, campaign, and interest discount settings are available. | |
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Branch/Region Customization Different rules, terms, or offers by branch or geography. |
Loan terms and offers can differ by branch/region. | |
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Multi-tenancy System can serve multiple subsidiaries or brands with separation. |
Supports multi-tenancy for banks/lenders with subsidiaries or brands. | |
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Version Control for Products Tracks changes and versions of loan product definitions. |
Versions and histories of product configurations are tracked. | |
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Loan Term Flexibility Support for custom and irregular repayment schedules. |
Repayment schedules can be customized/irregular schedules supported. | |
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Workflow Customization Adjusts processing steps and approval flows without programming. |
No-code/low-code workflow customization is called out in marketing materials. | |
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Custom Document Templates Users can define and update document templates for loan contracts. |
Templates for loan documents are user configurable. |
Deployment & Maintenance
(9 Yes /9 Known /10 Possible features)
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Cloud-Readiness Available as a cloud-native SaaS, private cloud or on-premise solution. |
Cloud readiness, including private/public SaaS, is central to their product offering. | |
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Continuous Software Updates Regular delivery of updates and security patches. |
Continuous updates and zero-downtime upgrades are part of SaaS model. | |
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Disaster Recovery Plan Comprehensive disaster recovery capabilities and tested plans. |
Comprehensive disaster recovery plans are described in vendor trust and compliance documentation. | |
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Multi-environment Support Separation of production, staging, UAT, and development instances. |
Different environments (production, staging, UAT/dev) are supported for enterprise clients. | |
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Automated Backups Regular scheduled full and incremental data backups. |
Automated full/incremental backups are included within managed hosting. | |
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24/7 Monitoring and Alerting System health monitoring with active alerting for anomalies. |
24/7 proactive monitoring and alerting included for hosted/SaaS platform. | |
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Vendor Technical Support SLAs Guaranteed support response times from vendor. |
No information available | |
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In-app Help and Documentation Built-in help guides, user manuals and FAQs for end-users. |
In-app help and searchable documentation are part of user portal. | |
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Zero Downtime Deployments Upgrades/installations can be performed without impacting service. |
Zero downtime for deployments and upgrades is a stated SaaS benefit. | |
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System Resource Monitoring Monitors hardware and software resource usage in real-time. |
System resource monitoring is included in vendor’s trust & operations information. |
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