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)
Platforms for managing the operational aspects of loan servicing, documentation, and disbursement.
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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. |
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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. |
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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. |
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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. |
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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. |
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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. |
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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. |
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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 |
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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 |
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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. |
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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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