Works with Encompass
Keep Encompass. Change everything around it.
Encompass stays your system of record. inflooens is where your team works the loan: every lead, conversation, document and task on one record, kept in step with Encompass in near real time and in both directions.
Who does what
One keeps the loan compliant. The other is where it gets worked.
Lenders ask us this first, so here is the plain answer. Encompass was built to be the system of record, and it is good at that. It was never meant to be where a loan officer texts a borrower, manages a realtor relationship or works with AI.
Encompass
inflooens
Role
EncompassSystem of record. The compliant loan file.
inflooensSystem of work. Where people, conversations and tasks around the loan live.
Owns
EncompassDisclosures, underwriting file, closing, investor delivery, the eFolder.
inflooensLeads, borrower and partner relationships, the application experience, messages, tasks, campaigns and Luna AI.
Who lives there
EncompassUnderwriting, closing, compliance and secondary.
inflooensLoan officers, processors, managers, borrowers and referral partners.
After inflooens
EncompassUnchanged. It remains the source of truth for compliance.
inflooensReplaces the CRM, point of sale and point tools that used to surround it.
How it works
How a loan moves between the two
inflooens · system of work
Where the loan is worked
Leads, the application, conversations, tasks, document review and Luna AI.
To Encompass
Moments after a change. Updates are staged, sent, and retried if a call fails.
From Encompass
As it happens. Each notification is signature-checked before it is accepted.
Loan and application data · loan parties · conditions · milestones · documents and their review status · credit and verification results
Encompass · system of record
Where the loan is kept compliant
Disclosures, the underwriting file, closing, investor delivery and the eFolder.
- Starts at a real event
- A loan is created in Encompass at a credit pull, a pre-approval letter or a completed application. Leads stay out.
- Field by field
- Fields are mapped one to one for the way your company uses Encompass, so edits rarely collide.
- Checked afterwards
- Sync is reconciled against a ledger, so a missed update is found. If the two disagree, Encompass counts.
1
Leads stay out of Encompass until they are real
A lead is worked in inflooens. The loan is created in Encompass at a real business event, such as a credit pull, a pre-approval letter or a completed application.
2
From then on, both hold the same loan
Fields are mapped one to one for the way your company uses Encompass. Loans opened in Encompass appear in inflooens too. Nobody re-keys anything.
3
Changes flow both ways, in near real time
An update in inflooens reaches Encompass moments later, and an update in Encompass arrives in inflooens as it happens. This is not a nightly batch.
4
Encompass stays the system of record
Sync is tracked field by field, so edits rarely collide. If the two ever disagree, the compliance record in Encompass is the one that counts.
An example
Review a document once. Both systems agree.
A processor rejects a pay stub in inflooens because the bottom of the page is cut off. The borrower sees the reason and is asked to upload it again.
At the next sync, Encompass marks the same document as re-requested, with the processor’s reason attached. When it is accepted, Encompass marks it reviewed. Nobody reviews the file a second time.
Reviews recorded in Encompass show up in inflooens the same way.
More in the latest release notes
What stays in step
The parts of the loan that sync
Loan and borrower data
Field-level mapping between the two systems, configured for how your company uses Encompass.Milestones and conditions
The loan’s stage and its conditions are the same wherever you look. If Encompass refuses a milestone, inflooens lists what is missing so it can be fixed and retried.People on the loan
Borrowers, employment, assets and liabilities, plus the agents and other parties on the file, stay in step with Encompass file contacts.Documents and reviews
Documents move to and from the Encompass eFolder. Accept or reject a document once, and both systems record the same decision.Credit and verifications
Credit reports and income, asset and employment verifications arrive on the loan with their report documents, and are not uploaded twice.Disclosures and rate locks
Order the Loan Estimate from the loan and track delivery, consent and signature. Rate locks and their status carry across as well.Storage
Files on long-funded loans can be cleared from Salesforce storage once Encompass holds the same file. Nothing is ever deleted in Encompass.
Not on Encompass?
The Mortgage OS is not tied to one LOS.
We started with Encompass because most lenders run it. The same approach, one record on top of the system of record, applies to other leading LOS platforms, and our roadmap follows lender demand. If you run something else, tell us what it is.
Straight answers
What Encompass lenders ask
- Will our LOS fill up with leads that never become loans?
- No. Leads are worked in inflooens. A loan is created in Encompass only at a real business event, such as a credit pull, a pre-approval letter or a completed application.
- Does inflooens replace Encompass?
- No. Encompass remains your loan origination system and your compliance system of record. inflooens replaces the CRM, point of sale and point tools around it.
- Is the sync real time or batch?
- Near real time. A change in either system reaches the other within moments, at the level of individual fields. There is no nightly batch to reconcile.
- Which system is the source of truth?
- Encompass. It remains the compliance system of record. inflooens tracks sync field by field, so edits to different fields do not overwrite each other.
- Do our people still log in to Encompass?
- Teams whose work lives in Encompass, such as underwriting, closing and compliance, keep working there. Loan officers and processors typically work in inflooens. Everyone sees the same loan.
- How long does it take to connect?
- The Encompass connection is part of a first-branch rollout, which usually takes eight to twelve weeks from kickoff to live loans.
- We are not on Encompass. Can we use inflooens?
- Encompass is the first LOS inflooens integrates with and is live today. Integrations with other leading LOS platforms are planned and follow lender demand, so it is worth a conversation.
Encompass is a registered trademark of ICE Mortgage Technology. inflooens is an independent company and an ICE Mortgage Technology partner.
See it sync on a live file.
Thirty minutes. Your Encompass questions, answered on a real loan.