--- title: "Encompass Reviews, Pros and Cons - 2026 Software Advice" description: "Reviews of Encompass. Learn how real users rate this software's ease-of-use, functionality, overall quality and customer support. Talk to our advisors to see if Encompass is a good fit for you!" source_url: "https://www.softwareadvice.com/product/133471-Encompass360/reviews/" page_type: "reviews" language: "en" --- [Home](https://www.softwareadvice.com/) / [Mortgage Software](https://www.softwareadvice.com/mortgage/) / [Encompass](https://www.softwareadvice.com/product/133471-Encompass360/) / Encompass Reviews Software Advice offers objective insights based on verified user reviews and independent product and market research. When our advisors match you to a software provider, we may earn a referral fee. [Overview](https://www.softwareadvice.com/product/133471-Encompass360/) Reviews [Alternatives](https://www.softwareadvice.com/product/133471-Encompass360/alternatives/) # Encompass User Reviews ## Reviews summary - Overall rating: 4.0/5 - Total reviews: 42 ### Secondary ratings - Ease of use: 3.6/5 - Customer support: 3.6/5 - Value for money: 3.7/5 - Functionality: 4.0/5 ### Rating distribution - 5 stars: 18 reviews (43%) - 4 stars: 11 reviews (26%) - 3 stars: 9 reviews (21%) - 2 stars: 2 reviews (5%) - 1 star: 2 reviews (5%) ### Most mentioned pros - Its seamless integration with third-party services and real-time updates have streamlined our workflow significantly. While there is a learning curve and occasional slowness, the customizable workflows and comprehensive features have made it essential to our operations, boosting efficiency and improving compliance. - Initially, the interface felt overwhelming, but over time I found it intuitive and incredibly useful. - What I like most about this software it has the ability to do anything you set up for it to do but with a high price and very educated admin needed. ### Most mentioned cons - It is using an outdated source code, outdated User Interface, expensive product that is not competitive in its pricing, lack of ease with integrating third party software. - It is not as efficient to use as other products, it is not web based, and is not team oriented or user friendly. - Saddening to think we can so so many things in Home Loan Origination that make it easy on the consumer yet lack so severely in the development of a user-friendly LOS system. ## Encompass customer reviews Showing reviews 1-25 of 42 (page 1). ### Great support - Overall rating: 5/5 - Reviewer: Verified Reviewer - Verified reviewer: Yes - Industry: Banking - Company size: 501-1000 employees - Product usage: Used daily for more than 2 years - Reviewed: April 2019 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros ellie mae has fantastic support for any questions or troubleshooting #### Cons make sure you have proper bandwidth, takes a lot of resources. --- ### Encompass or Caylyx? - Overall rating: 5/5 - Reviewer: Verified Reviewer - Verified reviewer: Yes - Industry: Financial Services - Company size: 51-200 employees - Product usage: Used daily for more than 2 years - Reviewed: September 2020 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. I give it an 8 out of 10. Encompass takes a while to learn, and if you are new to the industry - it can be a pain to learn this system and how to sell/the process #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 3/5 #### Pros You might be wondering what LOS to use. I do recommend Encompass as it has many integrations with pricing and pulling credit. You can completely work in Encompass with minor use of a CRM. #### Cons I do like using a CRM often. It is great for keeping track, but you cant make any custom fields or access notes/convo log quickly. --- ### Needed but Not User Friendly - Overall rating: 2/5 - Reviewer: Verified Reviewer - Verified reviewer: Yes - Industry: Banking - Company size: 51-200 employees - Product usage: Used daily for less than 12 months - Reviewed: August 2021 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. Its probably the best it gets but unfortunately noone has yet to do it better. Saddening to think we can so so many things in Home Loan Origination that make it easy on the consumer yet lack so severely in the development of a user-friendly LOS system. #### Ratings breakdown - Ease of use: 1/5 - Value for money: 3/5 - Customer support: 3/5 - Functionality: 2/5 #### Pros Encompass is probably the best LOS system out there but that's also the problem. It has a lot of features, so many in fact that it makes it even more difficult to use. You "can" do just about anything in Encompass in regards to Loan Origination but it is not easy to learn and very cumbersome to use. #### Cons Too busy. Too much like I'm sitting at a 1985 version of Apple IIe computer. It's not very user friendly and doe not have near the helpful help buttons that it needs to quickly explain the thousands of different radio buttons and boxes that it offers. Sure, you can call their "help desk" number or watch their training videos, but have you ever had to watch a training video for Amazon? eBay? Google? - Get my point? --- ### Great Origination LOS for Mortgage Lenders - Overall rating: 4/5 - Reviewer: Verified Reviewer - Verified reviewer: Yes - Industry: Financial Services - Company size: 1001-5000 employees - Product usage: Used daily for less than 2 years - Reviewed: February 2019 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. Anyone who can take a 1003 application will find this system a breeze to use. It is easy for an originator who is not computer savvy to use without too much system training. #### Ratings breakdown - Ease of use: 4/5 - Value for money: 4/5 - Customer support: 5/5 - Functionality: 4/5 #### Pros This program is based online so you can access your client's loan from anywhere and work from any location. The ability to merge, duplicate, and split files makes this an incredible LOS to work in since loan scenarios can change at any time. #### Cons If you do not have internet or have an internet outage, you will not be able to access the software. --- ### Best mortgage software I have ever used. - Overall rating: 5/5 - Reviewer: Verified Reviewer - Verified reviewer: Yes - Industry: Banking - Company size: 201-500 employees - Product usage: Used daily for more than 2 years - Reviewed: April 2019 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. My experience has been positive. I find it a lot easier than other mortgage software systems. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros I like the reporting functions of the software. The ability to order third party services such as flood certificates, appraisals, compliance checks is top-notch. [SENSITIVE CONTENT HIDDEN] does a good job of releases updates and support. #### Cons Only one person can work in a file at a time. It would be nice if at least two people could work in a file at once. --- ### Encompass is a necessary evil. - Overall rating: 3/5 - Reviewer: Verified Reviewer - Verified reviewer: Yes - Industry: Financial Services - Product usage: Used daily for more than 2 years - Reviewed: May 2018 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. #### Ratings breakdown - Ease of use: 3/5 - Value for money: 3/5 - Customer support: 3/5 - Functionality: 3/5 #### Pros It provides us with the ability to create loan applications, and that's about all it is good for. #### Cons It is very "clunky" and not even sort of user friendly. It is slow as heck and well behind the times technology-wise. --- ### Fantastic - Overall rating: 4/5 - Reviewer: Verified Reviewer - Verified reviewer: Yes - Industry: Financial Services - Company size: 501-1000 employees - Product usage: Used daily for less than 12 months - Reviewed: June 2018 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. #### Ratings breakdown - Ease of use: 4/5 - Value for money: 4/5 - Customer support: 4/5 - Functionality: 4/5 #### Pros I love how easy it is to use and customize to your needs. It is also nice te be able to truat the functions it already performs and why iy perfoms them that way. #### Cons I am not sure I have something I dont like. Maybe that in admin reports you have to keep building reports vs being able to use one report that just refreshes with data --- ### The WORST LO Software EVER - Overall rating: 1/5 - Reviewer: Verified Reviewer - Verified reviewer: Yes - Industry: Real Estate - Company size: 1001-5000 employees - Product usage: Used daily for more than 2 years - Reviewed: August 2020 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. If I had it my way I would never, ever use this software again. #### Ratings breakdown - Ease of use: 1/5 - Value for money: 1/5 - Customer support: 1/5 - Functionality: 2/5 #### Pros A lot of modifications are there to be adjusted. #### Cons It looks like Windows 95, slow, slow, slow... #### Reasons for switching to Encompass I switched employers. --- ### Best software in the mortgage industry - Overall rating: 4/5 - Reviewer: Verified Reviewer - Verified reviewer: Yes - Industry: Financial Services - Company size: 501-1000 employees - Product usage: Used weekly for less than 12 months - Reviewed: December 2017 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 4/5 - Customer support: 4/5 - Functionality: 4/5 #### Pros Encompass has customizable features including different templates to fit our company needs. It is the leading software in the mortgage industry for a reason! It aids us in the loan process all the way to close and the reporting feature is great. #### Cons The LO websites are outdated and are due for a major update. Reporting such as website metrics are also limited. --- ### Wish I was still using Encompass - Overall rating: 5/5 - Reviewer: Verified Reviewer - Verified reviewer: Yes - Industry: Financial Services - Company size: 501-1000 employees - Product usage: Used other for less than 2 years - Reviewed: September 2018 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. #### Ratings breakdown - Ease of use: 5/5 - Functionality: 5/5 #### Pros Easy to use, lots of functionality throughout the software. Interface is updated. #### Cons Nothing bad to say, a mortgage tool that is actually up to date. --- ### Te ayuda con tus finanzas - Overall rating: 5/5 - Reviewer: Fredy R. - Verified reviewer: Yes - Industry: Information Technology and Services - Company size: 10000+ employees - Product usage: Used daily for less than 2 years - Reviewed: May 2023 - Review source details: This review was submitted organically. No incentive was offered #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros Es in programa muy intuitivo y de fácil uso e implementacion #### Cons Depende el equipo donde se instale si no cumple las características se torna lento --- ### I've used this software in two different companies over the past ten years. - Overall rating: 3/5 - Reviewer: ELLIOTT V. - Industry: Financial Services - Company size: 1001-5000 employees - Product usage: Used daily for more than 2 years - Reviewed: March 2018 - Review source details: This review was submitted organically. No incentive was offered At the end of the day there's an audit trail to see who may have worked on the respective loan. #### Ratings breakdown - Ease of use: 2/5 - Value for money: 2/5 - Customer support: 1/5 - Functionality: 2/5 #### Pros Navigating is simple enough, especially when the IT folks in-house have real industry experience up front in setting the system up during the initial launch as a platform. #### Cons Lockout periods, poor performance metrics, outdated. System has default coding that flags user scenario situations and causes intermittent lockouts causing delays, and necessitating ADMIN outreach to override. Customer service folks are slow to respond. Lack of urgency. --- ### My favorite LOS - Overall rating: 5/5 - Reviewer: Stephen C. - Verified reviewer: Yes - Industry: Banking - Company size: 501-1000 employees - Product usage: Used other for more than 2 years - Reviewed: October 2019 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. I love this system. When searching for a new LOS system I used Encompass as my bass comparison and no one could match all the needs and wants that Encompass could. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros Encompass is my favorite Loan Origination System (LOS). It allows you to customize it to your business needs, helps maintain compliance and more. It integrates with several other systems saving lots of time. #### Cons When you create new rules/ edits/ requirements it does not put them on existing files. They will only apply to new loan files. #### Reasons for choosing Encompass The features of Encompass couldn’t be matched! --- ### Encompass 360 - Overall rating: 5/5 - Reviewer: Justin H. - Industry: Financial Services - Company size: 201-500 employees - Product usage: Used other for more than 2 years - Reviewed: January 2019 - Review source details: This review was submitted organically. No incentive was offered #### Ratings breakdown - Ease of use: 4/5 - Value for money: 4/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros The software was very user friendly and if set up correctly would send out automatic emails to the respective parties, this helped keep everyone on the same page during the loan process. #### Cons Encompass 360 offers a conversation log that any user can utilize for notes; however it didn't allow notes to be updated, you have to put a new note in each time. --- ### All you'll ever need - Overall rating: 5/5 - Reviewer: Verified Reviewer - Verified reviewer: Yes - Industry: Banking - Company size: 501-1000 employees - Product usage: Used daily for more than 2 years - Reviewed: April 2019 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros All inclusive from application to closing. It integrates well with leads, credit bureaus, etc #### Cons It's hard to find docs in the efolder if put in the wrong spot. Be sure to stay organized --- ### Robust Mortgage LOS - Overall rating: 4/5 - Reviewer: Alysson B. - Verified reviewer: Yes - Industry: Banking - Company size: 51-200 employees - Product usage: Used daily for more than 2 years - Reviewed: December 2024 - Review source details: This review was submitted organically. No incentive was offered My overall experience with Encompass is positive. I did take admin classes so I could properly add/remove loan programs, user profiles and set business rules. All of our users became very comfortable with the functionality of the program. Several employees that left our company have shared with me that they missed the functionality of this program. #### Ratings breakdown - Ease of use: 4/5 - Value for money: 4/5 - Customer support: 3/5 - Functionality: 5/5 #### Pros Encompass is a robust mortgage software with a lot of robust features and solutions for mortgage bankers. I would consider it the industry standard platform for this business sector. Everything is customizable, including the permissions of each type of user and many functions can be done from directly within the system. I am in accounting, and I heavily utilized their reporting functions which I found to be user friendly and extremely robust. Yo #### Cons Set up and administration of Encompass is not for most users. Many companies will either hire a consultant that specializes in administration of Encompass, or the will hire and inside Encompass Administrator. Fortunately, they do provided training if you would like someone from within your organization to take on this role. The cost is also high. I personally felt that more admin services could be included at this price point. #### Reasons for switching to Encompass When we transitioned from a mortgage broker to a mortgage banker we required a robust system that supported banking and tracked shipping/funding functions. --- ### Long time Daily Encompass User - Overall rating: 3/5 - Reviewer: Jana M. - Verified reviewer: Yes - Industry: Real Estate - Company size: 1001-5000 employees - Product usage: Used daily for more than 2 years - Reviewed: January 2025 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. I gave it 3 stars since I like the info and platform and document disclosure portion. But the lack of speed really irks me. #### Ratings breakdown - Ease of use: 3/5 - Value for money: 2/5 - Customer support: 2/5 - Functionality: 4/5 #### Pros I like the alerts and the platform of finding information that I need on a daily basis. #### Cons The software is SLOW. I could be much more productive if the SW moved faster. It takes about 2 minutes to open and close ONE LOAN. I work on at least 12 loans per day... time vampire on that scope. --- ### Encompass Review - Overall rating: 5/5 - Reviewer: Henry M. - Verified reviewer: Yes - Industry: Financial Services - Company size: 51-200 employees - Product usage: Used weekly for less than 6 months - Reviewed: July 2024 - Review source details: This review was submitted organically. No incentive was offered Once you get the hang of Encompass and explore its nooks and crannies, it becomes a powerful tool in the loan processing business. Initially, the interface felt overwhelming, but over time I found it intuitive and incredibly useful. Its seamless integration with third-party services and real-time updates have streamlined our workflow significantly. While there is a learning curve and occasional slowness, the customizable workflows and comprehensive features have made it essential to our operations, boosting efficiency and improving compliance. #### Ratings breakdown - Ease of use: 4/5 - Functionality: 5/5 #### Pros Comprehensive toolset Seamless third-party integrations User-friendly interface Efficient document management Real-time updates and tracking Customizable workflows Strong compliance support #### Cons Can be slow at times Steep learning curve for new users Occasional interface complexity High cost for small businesses Requires frequent updates Limited mobile functionality --- ### Robust and 2nd to none. the long standing standard - Overall rating: 5/5 - Reviewer: Michael M. - Verified reviewer: Yes - Industry: Financial Services - Company size: 501-1000 employees - Product usage: Used daily for less than 2 years - Reviewed: May 2022 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. overall, this is the tried and true platform that overall has a set of features that puts it ahead of the competition. #### Ratings breakdown - Ease of use: 4/5 - Functionality: 4/5 #### Pros the document management and the dashboard customization are probably the biggest features that stand out on the platform #### Cons if you don't save often enough, you lose your work - highly annoying. it does not have integrated income calculation worksheets. I realize this changes often, but it seems that integrated income calculations would be a great addition since it is used daily. --- ### My Expert Review Using Encompass for 10 Years - Overall rating: 3/5 - Reviewer: Ron G. - Verified reviewer: Yes - Industry: Real Estate - Company size: 11-50 employees - Product usage: Used daily for more than 2 years - Reviewed: March 2024 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. Encompass is a software many people would use, but as you want to grow and expand your team, it becomes a headache. It is not as efficient to use as other products, it is not web based, and is not team oriented or user friendly. #### Ratings breakdown - Ease of use: 3/5 - Value for money: 2/5 - Customer support: 4/5 - Functionality: 3/5 #### Pros Their support team regarding technical support with the software, they were extremely knoledgable. #### Cons It is using an outdated source code, outdated User Interface, expensive product that is not competitive in its pricing, lack of ease with integrating third party software. #### Reasons for switching to Encompass To aquire a more ease-of-use system that was more capable for my line of work. --- ### Don't expect to learn this software quickly - Overall rating: 5/5 - Reviewer: Heather A. - Verified reviewer: Yes - Industry: Financial Services - Company size: Self-Employed - Product usage: Used daily for less than 12 months - Reviewed: February 2022 - Review source details: This review was submitted organically. No incentive was offered I received the trial version of this software back in 2000, while I was using a very user friendly software that this software has put them almost out of business. I was so excited about this software when I was running my own small business but I couldn't even get anyone to tell me how much it cost because they wouldn't talk to me, in addition, it hadn't been fully released just yet. I am a mortgage loan processor. I have worked for companies that are lenders and brokers, plus ran my own small company. I have worked for approximately 5 mortgage companies, but only one of the 5 had the assets and server to run it. In addition, server size and assets are not the only requirements to run this software, you need in house admins that have a lot of experience with this software. #### Ratings breakdown - Ease of use: 3/5 - Value for money: 4/5 - Customer support: 3/5 - Functionality: 5/5 #### Pros What I like most about this software it has the ability to do anything you set up for it to do but with a high price and very educated admin needed. #### Cons The price of this software is not even available publicly and what is required to run this software is very much hidden from the public. #### Reasons for switching to Encompass I did not intentionally switch, I only switched because I had to take a full time W2 position at a mortgage company. Only one of the five mortgage companies I worked for could afford this product. --- ### Encompass Review by Mortgage Operations Professional - Overall rating: 4/5 - Reviewer: Verified Reviewer - Verified reviewer: Yes - Industry: Financial Services - Company size: 1001-5000 employees - Product usage: Used daily for more than 2 years - Reviewed: December 2018 - Review source details: This review was submitted organically. No incentive was offered Encompass is a solid tool for originating mortgage loans, especially when selling to FNMA or FHLMC. It provides convenience in terms of one place to keep all loan files, including those with adverse action notices and closed and sold loans. The functionality can take time to master, but it is simple enough once you know your way around. #### Ratings breakdown - Ease of use: 3/5 - Functionality: 3/5 #### Pros It was a great tool for tracking loans from origination to closing and beyond. The disclosure tracking system ensures compliance with all applicable laws and regulations. The ability to run AUS, order appraisals, and obtain VOEs and other third-party documentation was convenient and efficient. #### Cons The formatting was a little archaic. The methods for searching were not always user friendly and it was hard to know if everything I was attempting to search for was being pulled up. Some forms could not be edited while certain windows were opened, which was inconvenient. --- ### Encompass - Mortgage - Intern Review - Overall rating: 5/5 - Reviewer: zach z. - Verified reviewer: Yes - Industry: Education Management - Company size: 201-500 employees - Product usage: Used daily for less than 12 months - Reviewed: December 2022 - Review source details: This review was submitted organically. No incentive was offered Overall, I love Encompass. It was very easy to learn and was effective in managing loan information. I'm sure I will see Encompass again in my future shortly. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros This software is very user friendly. It's able to hold TONS of information and organize it all into one place. The pipeline is very easy to navigate. It's clearly shown what is what. I loved using this software while in my internship, I really learned a great deal. #### Cons The one thing I didn't like about it is the visual aspect. It kind of just looks outdated and old. --- ### Poor Performance and Customer Service - Overall rating: 1/5 - Reviewer: William M. - Industry: Management Consulting - Company size: 201-500 employees - Product usage: Used daily for more than 2 years - Reviewed: August 2016 - Review source details: This review was submitted organically. No incentive was offered I'm an IT professional who hates this antiquated software with a passion. The performance is horrible and has customer support to match. Regardless of the issue, their answer is to add more RAM. Their data center is crashing? Not theirs but yours for not having 24GB of RAM per machine. Their app is 32-bit so it can't even use more than 4 GB. I attended the Ellie Mae conference trying to get an idea of what others did to improve performance. Their response was that you should just learn to deal with it because Ellie Mae won't acknowledge issues. #### Ratings breakdown - Ease of use: 1/5 - Value for money: 1/5 - Customer support: 1/5 - Functionality: 1/5 #### Pros Nothing comes to mind. I'm currently looking at other options to replace Encompass. #### Cons Everything. The app is obsolete and needs to be completely replaced. Ellie Mae lacks the expertise to host a data center and it shows. Most days their IT staff have no idea an issue is occurring. Customer support's default reply is "no one else has complained" until they realize it is a wide spread issue and only then do they take any sort of half hearted action. When Encompass crashes, and it will frequently, there is nothing you can do but restart your process. --- ### Good software but... - Overall rating: 3/5 - Reviewer: J B. - Verified reviewer: Yes - Industry: Banking - Company size: 501-1000 employees - Product usage: Used daily for more than 2 years - Reviewed: July 2016 - Review source details: This review was submitted organically. No incentive was offered I have used Encompass at several different companies. In each case, it is set up differently causing a huge learning curve. I realize that it is designed to be customizable to each company but it is TOO customizable. It needs to be more standardized because the admins who support it (as best they can) spend to much time chasing down problems and compliance issues. When a group of admins have had to create their on group online to discuss problems because they are not getting support from the company that's pretty bad. Apparently, the strength of this software is the servicing side which I am not familiar with. The origination side is clunky compared to Point, Genesis, Byte, Dorado and others I have used in my 33 years in the business. #### Ratings breakdown - Ease of use: 2/5 - Value for money: 4/5 - Customer support: 1/5 - Functionality: 3/5 #### Pros Good on the servicing side #### Cons Software is too busy and visually unorganized and not user friendly or intuitive. ## More reviews [Next reviews](https://www.softwareadvice.com/product/133471-Encompass360/reviews/?page=2) --- Encompass Reviews, Pros and Cons - 2026 Software Advice