Confused to decide between LendingPad and Encompass Mortgage Services? You are not alone. Picking the right loan origination software is one of the decisions that may transform the way you work with mortgages, control your compliance, and serve the clients. This is why the following deep-dive comparison digs further into the details of how these two platforms match against each other in each of the vital areas of the market share, customer base, category positioning, and so on.
Encompass, which is an ICE Mortgage Technology, is a leading giant in the loan origination system (LOS) ecosystem. It offers fully automated mortgage operations, end-to-end eClosing and full-spectrum lending solutions, including application to investor delivery, and enterprise- ready infrastructure, which attracts it. It is significantly popular among mortgage lenders with big operations that require careful adherence to adherence, flexibility of the flow of work, and oversight of loan corridors.
On the other hand, LendingPad is a quick, cloud-native LOS tailored for speed and collaboration. Popular among mortgage brokers, correspondent lenders and expanding retail stores, it is praised as being easy on the user with a real-time processing capability that is easily scalable and inexpensive. The high rate of adoption experienced by LendingPad is particularly evident in niche and regional markets where paramount importance is the concept of agility and ease-of-use.
Still undecided? Compare similar customer trends by domain, geographical coverage and trends of buying. No matter whether you want to expand your already existing business operation or go minimalistic, this balanced comparison is going to let you align the chosen mortgage technology stack with your growth planning.
Encompass vs LendingPad – Quick Comparison Summary
In the year 2025, it would be of utmost essence to choose an appropriate loan origination system in matching the technology with the lending model you are using. The two popular platforms, Encompass and LendingPad, have various benefits that depend on the number of people in the team, workflow, and operational requirements. The list of features side by side can be analyzed below to assist you in choosing a better option.
| Criteria | Encompass | Lending Pad |
|---|---|---|
| Definition | It is a comprehensive platform tailored to address full-fledged mortgage processing, regulation management and enterprise lending processes | A platform built on the cloud to enable smaller lending teams to generate mortgage documents in an easier way |
| Platform Type | An enterprise-level all-in-one solution that provides complex loan operations and automation | Cloud-based institute that centers on speed, ease of use and simplified collaboration |
| Best For | Big institutions, banks, and groups with a large number of loans and numerous branches | Brokers, correspondents and expanding crews seeking easier usage and rapid deployment |
| Deployment | It is available on-premises as well as cloud-hosted, thus, providing flexibility of deployment | Web based and not requiring IT infrastructure, local installation or hardware |
| Customization & Integration | Greatly configurable and well integrated with third-party tools, investor platforms, and processes | Less technical and more fast configuration integrations |
| Compliance Tools | Elaborated compliance functions, audit, and eClosing of regulatory compliance | Inherent safeguards and up to the date updates and efficient compliance management |
| User Interface | A feature rich and more complicated; requires knowledgeable users | Straightforward, clear interface created to be user friendly and easy to train |
| Scalability | Easily scales to huge, multi-site teams with elaborate operational hierarchies | Applicable to smaller groups which require versatile growth and simple work flows |
| Pricing Model | High prices which are commensurate to its level of functionality and customization | Subscription-based model that prioritizes affordability and values |
| Strengths | Deep automation, robust data manage control, broad platform support and workflow accuracy | Quick to implement, simple to use, team-oriented, and suitable to sustainable daily functioning |
How Do Encompass and LendingPad Compare on Features?
Both Encompass and LendingPad would be a good choice when it comes to loan origination since they have a good set of core functions. They are however differentiated by the depth and flexibility of each feature and a few key differences set them apart.
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Audit Trail
Encompass
As part of a comprehensive audit trail, The Encompass LOS records all activity in the system associated with data edits, document access and approvals. Although this traceability is essential to large lenders that require deep loan origination system integration in order to produce demanding audit and compliance requirements.
LendingPad
Comparatively, LendingPad provides streamlined audit tracking which is to be used on a daily basis. It allows smaller teams and mortgage brokers to track user activity without the need to move through complicated logs, hence practical to use in cases where someone is interested in seeing what is going on in a clear way without technical burden.
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Compliance Management
Encompass
By using Encompass implementation services, lenders acquire sophisticated compliance automation, such as TRID, HMDA, RESPA, and MERS, confirmations. The system incorporates alerting, audit trail, and adjustable rule sets suitable for use in the enterprise environment.
LendingPad
LendingPad enables users to see built-in real-time compliance validations on every loan file. Its automated checks help enable the regulatory preparedness without the need to review manually- perfect for LOS for mortgage brokers who need the easy army of compliance without the armwork.
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e-Signature
Encompass
Encompass LOS can be used together with such tools as DocuSign and Adobe Sign to facilitate secure remote-signings and to take advantage of digital notary services, as well as customized approval pathways.
LendingPad
LendingPad also makes digital signing easy to access digital signing that is built into the platform. This enables easy accomplishment of signature requests in terms of sending and tracking them; this is of significant importance to the brokers who wish all matters to be under one roof.
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Client Management (Customer)
Encompass
Encompass is an easy-to-learn solution that allows deep CRM-style tracking of borrowers with powerful technology such as automated communications and lead nurturing- works wonderfully with an Encompass implementation service.
LendingPad
LendingPad offers multipurpose functionality that eases the administration of clients by use of borrower dashboards. Contact histories, application status and major documents of a borrower are easily accessible by the user-as such it is a lucrative alternative in a rapid LOS for mortgage brokers.
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Document Management
Encompass
Encompass has high-end tools, such as optical character recognition (OCR) orders, automated stacking, and cloud storage that are able to support workflows that can be complex, enterprise-related.
LendingPad
LendingPad provides document management that is simple. It is fast and user-friendly in its drag-and-drop upload ability, the tags it may put on documents and rapid search functions ideally suited to mortgage brokers who favour less time and effort consumption.
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Workflow Management
Encompass
Although Encompass has some rule-based customization of workflows, it is regularly necessitated to be created by technical skills or contracted to third-party Encompass implementation services.
LendingPad
LendingPad has ready-to-use workflow tools that are very simple to navigate through, enabling companies to work on branches, pipelines, and loan stages with little preparation. This contributes to its compatibility with expanding groups keen on proficiency over the specification of elements.
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Chat (Messaging)
Encompass
Encompass is generally dependent on external means of communication (email or third party tools).
LendingPad
LendingPad is equipped with an inbuilt chat program that enables the team members to chat in real time without leaving the LOS. The feature is especially useful to LOS for mortgage brokers and small teams that require smooth teamwork.
What Do Encompass and LendingPad Cost?
When making a decision about the best LOS for small mortgage companies or large-scale lending organizations, it is important to know how each system can be priced. The following elaborate on the comparison between Encompass vs LendingPad for mortgage lenders in respect to fee, clarity, and worth.
Pricing Options Overview
Encompass and LendingPad have scalable pricing policies, and both are different in their structure:
- LendingPad is a subscription based model where the pricing is fixed per user and ideal for teams that like to know the cost and retain control.
- Encompass meanwhile offers bespoke enterprise rates, usually charged per-user and per-loan making them more suitable to high-volume mortgage companies.
This is the battle of LendingPad vs Encompass cost, as argued out in terms of both brokers and lenders whose prefixes are a balance of price and features.
Starting From (Base Costs)
Lending Pad
The Broker Edition of LendingPad is priced between 40-55 on a per user/month basis and includes basic LOS functionality, compliance, POS and integrations, making it one of the most popular contenders when it comes to the best LOS for small mortgage companies.
Encompass
Encompass does not have base prices in the market. User reviews indicate however, that the usual start-up prices are about 135-dollars per user, and 166-dollars to 500 dollars per closed loan, based on system setup and quantity.
Pricing Plans Comparison
| Feature | LendingPad | Encompass LOS |
| Pricing Model | Per user subscription (monthly/ Annually) | Percent of the loan custom fee, per-user + per-loan |
| Base Cost (Broker Edition) | 40-55 dollars per user per month | ~$135/user + ~$160–$500/loan |
| Free Trial / Demo | Yes | Contact required |
| Flexibility | and High (awesome to build up broker teams) | An amount that is high in vicinity but related to volume and complexity |
| Best Suited For | Small and mid lenders, brokers | Mid-enterprise lenders of mortgage as well |
The price comparison here brings out the fact that the cost comparison between LendingPad pricing vs Encompass cost is not only different in figures, but also in the structure, thereby making it a little nearer to wallet-friendly companies.
Official Pricing Pages
LendingPad Pricing Page: LendingPad Official Pricing
- Offers detailed information by edition (Broker, Lender, Institutional).
- Clear expectations on prices and support which is explicitly presented.
Encompass Pricing Page: ICE Mortgage technology Encompass
- Quote not published- contact and consultation is needed.
- Enterprise quotes customized by the amount of loans to be offered and the feature set to offer.
Compare Encompass and LendingPad: Platform Compatibility, Support, and Integration
The technical compatibility and support structure is a significant factor of success in the long term but when selecting the correct Loan Origination System it is important not just to consider the features and competitiveness in pricing. The following operational details put Encompass vs LendingPad this way:
Organization Types Supported
This is the kinds of businesses that each LOS is capable of successfully serving:
Large Enterprises: Built to support national lenders or national banks that have complex processes and a lot of loans to process.
Medium Businesses -Very suitable to local lenders and credit unions as well as mortgage providers having medium processing requirements.
Small Businesses – It is customized to independent brokers and smaller groups who are searching for speed and budget friendliness.
Individuals- They work with freelance mortgage consultants or single originators.
In this Loan Origination System comparison, Encompass and LendingPad can be used by organizations of any size, being scalable both on individuals and enterprises.
Platforms Supported
Specifies the accessibility of the software: when, where and how:
Browser (Cloud) Type- There is no installation (all that is needed is a modern web browser such as Chrome or Safari).
Mobile Android/iOS: The native mobile apps available to a broker and borrower permit them to remain attached to one another everywhere.
Installed Windows: Desktop softwares that support, are traditionally in favor of teams of enterprises with significant data processing.
Both LendingPad and Encompass are cloud-first, but the former is usually preferred by those users who require full desktop compatibility (usually, in the enterprise), and LendingPad tends to be more modern and browser-based.
Modes of Support
Indicates what kind of customer support is available in every platform:
24/7 (Live Rep) – Human Help on the 24-hour basis.
Business Hours – Normal assistance on weekday working hours.
Online- help centre, live chats and emails or even ticketing.
Teams requiring a quick solution to their problems have 24/7 live support and a comprehensive online documentation in both systems, making them highly responsive when it is most necessary.
API Support
The presence of this information means that the system supports integrations through API:
- Allows integration with CRMs, POS platforms, underwriting systems, and fintech tools.
- It can assist in automating workflow, data syncing and improving the efficiency of tech stack.
In this Encompass vs LendingPad comparison, they both provide API access, which makes them integration-friendly solutions sought by businesses that want to extend their capabilities with the help of third-party software.
Advantages and Disadvantages of Encompass
pros
- Brings the whole mortgage process under one central process to improve efficiency and collaborations in the team.
- Provides a very intuitive interface that can be defined, which is suitable to both small lenders and large Enterprises.
- Facilitates automation of tasks on most repetitive tasks such as document uploading, and digital signatures and emailing, decreasing manual work.
- Has flawless compatibility with an extensive set of CRM tools and third-party systems, facilitates scalable development, and advanced use cases.
Cons:
- Occasionally may face lagging or freezing of the system, causing delays in work processes or even loss of the data that was not yet saved.
- Some options are not flexible or cannot be customized completely, thereby, restricting particular business requirements.
- Steeper learning curve and set up effort particularly with users with smaller teams, or not in an enterprise.
Advantages and Disadvantages of LendingPad
Pros:
- Available on any device, completely cloud-based, with good mobility and convenience of remote teams.
- Allows multiple users to work in real-time without locking them out and is suitable in quick fast-paced loan environments.
- Good document and report management system that makes life simple in fulfilling requirements and being organized.
- Provides responsive customer service, as well as accepts user feedback, which results in constant development of the platform.
Cons:
- The speed and performance can be a bit compromised when there are many users logged on or when processing huge amounts of data as pages take a long time to be loaded.
- Poor support of flexibility in customization of business rules or concealing of unused features, which can be a constraint in workflows optimization.
- Although the reporting and dashboard functionalities are not poor, they can be improved with more customization or being prettier.
Top Alternatives to Encompass and LendingPad in 2025
In case you are looking at other possible solutions, outside of Encompass and LendingPad, here are some of the most prominent Loan Origination Systems (LOS):
Calyx Point – A widespread LOS that serves a lender specializing in lower-cost and straightforward approach, with sizes ranging between small and mid-sized.
Mortgage Cadence – A platform with an enterprise-level capacity of automation and compliance.
Blend– A platform based on digital lending with focus on the customer experience and the easy application processes.
BytePro (Byte Software) is a designed LOS, which facilitates desktop-based and cloud implementation in smaller institutions and is customizable.
SimpleNexus – a mobile-based lending platform aimed at facilitating the dialogue between the borrowers and lenders and simplifying the process of loan workflow.
Frequently Asked Questions
Do Encompass or LendingPad offer a free trial?
No, at this point, neither Encompass nor LendingPad offers a free trial to new users.
Who typically uses Encompass?
Encompass is mostly suitable to large corporations, mid-sized companies, and small mortgage lending companies that require an end-to-end loan origination application.
Who typically uses LendingPad?
LendingPad is used by a variety of customers: large corporations, mid-market enterprises, as well as smaller lending teams, being flexible and cloud based.
What are the starting prices for Encompass and LendingPad?
LendingPad boasts an entry-level price estimate of having a price of 40 dollars per user/month which is affordable to many. Encompass does not publish its prices, although custom quotes are normally offered as per organizational requirements.
Which platforms are the best alternatives to Encompass?
The best substitutes to Encompass are OpenClose Lending Solution, Loan Producer, LendingPad, HES Lending Platform, LenderAssist, Anovaa, ComplianceOne, PerfectLO, and PowerLender, which have distinctive functionalities to assist in loan processing and automation.
Which platforms can replace LendingPad?
Competitors of LendingPad are Calyx Point, Encompass, OpenClose Lending Solution, Loan Producer, LenderAssist, Anovaa, ComplianceOne, Fundingo Loan Origination, and StreamLoan, which fit the needs of businesses of various sizes and processes.
Final Thought: Which LOS Is Better—Encompass or LendingPad?
When comparing the most powerful enterprise loan origination systems on the market, Encompass and LendingPad, it is possible to conclude that the final choice will be made depending on the size of your organization, the priorities of your operations, and the ability to cope with a set budget allocated.
Encompass is a feature-rich and robust solution that is best suited to the enterprise that needs strong customization, fits end to end mortgage, and has powerful integrations. Its prices can also be seen as a deterrent to others because of its price transparency and the rare times when it runs lagging services.
Conversely, LendingPad is more nimble, cloud-born, and has such advantages as improved accessibility, the ability of collaboration, and a lower initial cost, which makes it a great choice of small but growing lenders or businesses seeking out a lean and efficient LOS.
Finally, both applications are the brightest representatives of the enterprise loan origination system comparison, and only you might choose the one you prefer because of your deep functionality (Encompass) or flexible, modern usability (LendingPad) choices. Analyze your operation processes, user base, and labour requirements to make the most intelligent decision in your lending company.
Interested in deploying the appropriate LOS solution? Collaborate with us to find out how to combine the potential into the most adequate platform suited to your objectives and developmental plan.
