Guide
Two-way sync with your LOS: what it should mean, and what to ask.
“Two-way sync” should mean four things: data moves in both directions, a change appears in the other system within moments, each field is tracked on its own so edits do not overwrite each other, and there is a stated rule for which system counts when they disagree. For compliance data that system is the LOS. Many integrations called two-way meet only the first.
By Amit Ghole, President and CTO, inflooens · November 13, 2026
Four levels
Not every integration is the same thing
All four of these get described as “integrated with your LOS”. They behave very differently on a busy day.
Level 1
One-way push
The tool sends data to the LOS, usually once, when a file is handed over. Nothing comes back. After that the two drift apart, and people check both.Level 2
Scheduled batch
Data is copied in one or both directions on a timer, often overnight. For hours at a time each system is showing the other’s yesterday.Level 3
Two-way, whole record
A change in either system is sent to the other soon after. But the unit is the whole loan, so two people editing different fields can overwrite each other.Level 4
Two-way, field by field
Each field is tracked on its own, in both directions, close to real time. Edits to different fields do not collide, and there is a rule for the rare case where they do.
What to listen for
Seven things a real answer covers
The vague version on the left is what a sales call sounds like. The version on the right is what your LOS administrator needs.
A vague answer
A real answer
Direction
A vague answer“We integrate with your LOS.”
A real answerWhich fields move out, which move back, and which move both ways, listed.
Timing
A vague answer“Real time”, with no number and no definition.
A real answerHow soon a change in one system appears in the other, and whether any part still runs as a batch.
Level
A vague answerThe whole loan is copied each time.
A real answerIndividual fields are tracked, so two people editing different things do not overwrite each other.
When the two disagree
A vague answerLast write wins, or nobody has asked.
A real answerA stated rule for which system counts. For compliance data that should be the LOS.
When the LOS says no
A vague answerThe update fails silently and someone finds out at closing.
A real answerThe refusal is shown with what is missing, so it can be fixed and retried.
When a call fails
A vague answerThe change is lost.
A real answerChanges are queued, retried and reconciled, so a missed update is found.
When a loan is created
A vague answerEvery lead becomes a loan file in the LOS.
A real answerA loan is created in the LOS only at a real business event, so the system of record holds real loans.
Scope
A loan is more than its data fields
Ask about each of these. An integration that syncs fields and nothing else leaves people uploading documents twice.
Loan data
Borrowers, employment, assets and liabilities, and the other parties on the file.Stage and conditions
Where the loan stands and what is still open should read the same in both systems.Documents
A document reviewed in one system should not need reviewing again in the other.Services
Credit reports and verifications ordered in one place should arrive on the loan once, with their documents.
Questions to ask any vendor
Before you sign off on an LOS integration
Ask for the answers in writing, and ask to see one loan change in both systems during the demo.
- 1Which fields sync, and in which direction? Can we see the map?
- 2How long after a change in one system does it appear in the other?
- 3Is sync tracked by field or by whole loan?
- 4If both systems change the same field, which one wins, and how are we told?
- 5What happens when our LOS rejects an update, and where do we see it?
- 6At what moment is a loan created in our LOS, and can we choose?
- 7Do documents and their review status sync, or only data fields?
- 8How is a failed or missed update detected?
How inflooens does it
Encompass stays the system of record
These are stated in full on the Encompass and architecture pages.
- Direction and timing
- An update in inflooens reaches Encompass moments later, and an update in Encompass arrives in inflooens as it happens. It is not a nightly batch.
- Level
- Sync is tracked field by field, with fields mapped for the way each company uses Encompass, so edits to different fields do not overwrite each other.
- If they disagree
- The compliance record in Encompass is the one that counts.
- If Encompass refuses
- When Encompass refuses a milestone, inflooens lists what is missing so it can be fixed and retried.
- If a call fails
- Changes are staged, retried when a call fails and reconciled against a ledger, so a missed update is found, not lost.
- When a loan is created
- 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.
- Documents
- Documents move to and from the Encompass eFolder. Accept or reject a document once, and both systems record the same decision.
Straight answers
Questions about LOS sync
- What does two-way sync with an LOS mean?
- It means a change made in either system reaches the other. A real two-way sync also says how soon, at what level of detail, and what happens when the two systems disagree. Without those answers, “two-way” can describe anything from a nightly copy to a field-level link.
- What is field-level sync?
- Each field is tracked on its own, not the loan as a whole. If a loan officer changes a phone number while a processor updates income, both changes survive, because neither overwrites the other’s record.
- Which system should be the source of truth?
- For compliance data, the loan origination system. It is the system of record, so when the two disagree, the LOS should be the one that counts.
- Should every lead be created as a loan in the LOS?
- No. Creating a loan file for every enquiry fills the system of record with loans that never existed. A loan should be created at a real business event, such as a credit pull, a pre-approval letter or a completed application.
- How does inflooens sync with Encompass?
- In near real time, in both directions, at the level of individual fields. Encompass remains the compliance system of record. A loan is created in Encompass only at a real business event, and documents accepted or rejected in one system show the same decision in the other.
- Does inflooens work with LOS platforms other than Encompass?
- Encompass by ICE Mortgage Technology is the first LOS integration and is live today. Integrations with other leading LOS platforms are planned and follow lender demand.
More guides
Keep reading
- Mortgage CRM vs POS vs LOS
- How many tools a loan officer uses, and what they cost
- Mortgage pull-through and lead conversion benchmarks
- Loan officers on personal phones: what it costs
- How to track referral partners and who sent each loan
- Twelve questions to ask a mortgage AI vendor
- What an AI agent should be allowed to do on a loan
- Who should hold a lender’s loan data?
- How to pilot new software while under contract elsewhere
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