# Calyx Point vs Encompass (ICE Mortgage Technology)

| Attribute | Calyx Point | Encompass (ICE Mortgage Technology) |
|---|---|---|
| **Vioscale score** | 31.2 (9% (low)) | 59.1 (19% (low)) |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | A scalable loan origination system combining lead management, point-of-sale functionality, digital closing, and electronic signatures to help lenders automate and streamline mortgage applications through closing. Designed to improve efficiency, ensure regulatory compliance, and reduce manual processing. | A comprehensive platform enabling mortgage lenders and servicers to manage the complete lending workflow from application through closing and servicing. Integrates loan origination, underwriting, and document workflows with automated connections to credit bureaus, appraisers, title companies, and secondary market buyers. |
| features.capabilities | `{"deployment_model":"cloud_web_app","trid_respa_hmda_compliance_checks":true,"e_closing_and_remote_online_notarization_ron":false,"consumer_facing_pos_point_of_sale_document_upload":true}` | `{"iso_27001":false,"soc2_type_ii":true,"deployment_model":"cloud_web_app","automated_credit_bureau_pulls":true,"trid_respa_hmda_compliance_checks":true,"commercial_sba_business_lending_support":false,"fannie_mae_du_freddie_mac_lpa_integration":true,"e_closing_and_remote_online_notarization_ron":true,"plaid_direct_bank_connection_asset_verification":true,"product_and_pricing_engine_ppe_optimal_blue_sync":true,"consumer_facing_pos_point_of_sale_document_upload":true,"warehouse_line_management_and_secondary_market_delivery":true}` |
| integrations.count | 2 | 50 |
| integrations.list | `[{"name":"GuardianDocs"},{"name":"AUS (Automated Underwriting Systems)"}]` | `[{"name":"Equifax"},{"name":"The Work Number"},{"name":"CoreLogic"},{"name":"Snapdocs"},{"name":"Optimal Blue"},{"name":"Fannie Mae"},{"name":"Freddie Mac"},{"name":"Simplifile"},{"name":"LoanCraft"},{"name":"SmartPricer"},{"name":"Finicity"},{"name":"Polly"},{"name":"LodeStar"},{"name":"Advantage Credit"},{"name":"Birchwood Credit"},{"name":"CIC Credit"},{"name":"Credit Tech"},{"name":"ClientFirst Title Ordering"},{"name":"Cotality"},{"name":"Timios"},{"name":"True Concept"},{"name":"Unisource"},{"name":"Vantage Point"},{"name":"ICE Credit Analyzer"},{"name":"Xactus"},{"name":"Canopy Connect"},{"name":"Wolters Kluwer HMDA Wiz"},{"name":"Maxwell POS"},{"name":"AppraisalWorks"},{"name":"Clear Capital"},{"name":"SWBC Lending Solutions"},{"name":"ServiceLink"},{"name":"Valligent"},{"name":"Veros"},{"name":"Premium Credit Bureau"},{"name":"Rapidio"},{"name":"Blueprint Incomexpert"},{"name":"CondoTek"},{"name":"Iron Mountain"},{"name":"Land Gorilla"},{"name":"Lenders One Credit Union"},{"name":"Equifax Undisclosed Debt Monitoring"},{"name":"Informative Research PreClose Monitoring"}]` |
| market.availability | `{"hqCountry":"US","primaryMarkets":["US"],"availabilityScope":"regional","availableCountries":["US"],"notAvailableCountries":[]}` | `{"primaryMarkets":["US"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` |
| platform.support | `{"web":true}` | `{"web":true}` |
| pricing.model | - | commercial |
| security.soc2 | - | yes |

## Capabilities (Loan Origination)

| Capability | Calyx Point | Encompass (ICE Mortgage Technology) |
|---|:--:|:--:|
| **Capabilities** |  |  |
| Deployment model | Cloud web app | Cloud web app |
| Fannie mae du freddie mac lpa integration | - | ✓ |
| Consumer facing POS point of sale document upload | ✓ | ✓ |
| Product and pricing engine ppe optimal blue sync | - | ✓ |
| Trid respa hmda compliance checks | ✓ | ✓ |
| Automated credit bureau pulls | - | ✓ |
| Plaid direct bank connection asset verification | - | ✓ |
| E closing and remote online notarization ron | ✗ | ✓ |
| Commercial sba business lending support | - | ✗ |
| Warehouse line management and secondary market delivery | - | ✓ |
| SOC2 type ii | - | ✓ |
| ISO 27001 | - | ✗ |
| Pricing model | - | - |

*Source: Vioscale. Generated 2026-09-01T17:08:19.967Z. "-" = undocumented, not absent.*