EncompassAI reads your borrower documents — income, assets, employment, title — and writes the data directly into Encompass LOS fields. One upload. Zero manual entry. Loan ready to submit.
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Here's what we're building. Join the waitlist to get early access when we launch.
The problem
You receive a borrower packet — pay stubs, W-2s, bank statements, tax returns, asset letters. Each document has to be read, verified, and transcribed into the correct Encompass field by hand. For a straightforward conventional loan, that is 60-90 minutes of data entry. For a complex file with multiple income sources, it can be 3 hours.
Your LOS is Encompass. It is the most powerful loan origination system in the industry. It does not read documents. Every field is manual. Every income calculation is manual. Every asset verification cross-reference is manual. There are Encompass integrations for everything except the one task that consumes the most processor time in your day.
The brokers capturing market share right now are closing loans faster than their pipelines suggest they should. Their edge is throughput — more files processed per processor, more loans closed per month. You cannot compete on throughput if your processors are spending 90 minutes per file doing what OCR solved for other industries in 2015.
How it works
Upload the borrower's income documents, bank statements, asset letters, and tax returns in one batch. EncompassAI reads every page, classifies each document type, and extracts the relevant data fields automatically.
EncompassAI extracts income figures, employment history, asset balances, and liabilities — then cross-references them for consistency. Discrepancies between the W-2 and the tax return get flagged before they become conditions from underwriting.
Extracted and validated data flows directly into your Encompass loan file — the correct field, the correct format, the correct calculation. Your processor reviews the pre-filled file instead of building it from scratch. The 90 minutes becomes 10.
Built for
If your processors spend 90 minutes per loan on document entry, a 30-loan month consumes 45 hours of processor capacity on pure data entry. EncompassAI frees that capacity for pipeline management, borrower communication, and the work that actually requires judgment.
Manual data entry is the primary source of stips and conditions from underwriting. When the W-2 figure does not match the tax return, underwriting issues a condition. EncompassAI cross-validates before the file leaves your desk.
Early access · Limited spots
We are onboarding a small group of mortgage brokers using Encompass to test EncompassAI before full launch. Early access is free — join the waitlist and you will be first to know when your spot opens.
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