If you’re a loan officer working inside Encompass® by ICE Mortgage Technology, you know the struggle:
- Loans taking too long to close.
- Workflow hiccups at every handoff.
- Operational costs climbing higher every month.
The reality is that without the right Encompass mortgage automation strategy, even the best teams find themselves bogged down by manual steps, rework, and costly inefficiencies.
The good news? Automation is finally catching up to the complexity of mortgage lending—and today’s tools are making a real difference. But not all solutions are built equally.
Here’s what’s out there right now, what’s working, and why Lender Toolkit’s Prism is becoming a top choice for lenders who need real results—not just another system to manage.
Where Lenders Are Still Losing Time and Money without Encompass Mortgage Automation
Even with a strong LOS like Encompass, many lenders still struggle with:
- Manual AUS runs and reruns
- Data entry errors that delay clear-to-close
- Endless condition chasing after underwriting
- Back-and-forth between different systems for document and income verification
- Increased buyback risks from missed investor guidelines
Fixing these challenges means finding automation that works inside Encompass—not outside of it—and that handles more than just one isolated task.
Encompass Mortgage Automation Tools in the Market
Several companies are trying to address parts of the problem:
Candor – Autonomous Underwriting
Candor’s “Decision Engine” provides automated underwriting logic that can preemptively clear some conditions. It’s strong on structured loan decisioning, but often demands a heavy lift for integration and operational adoption.
Best for: Lenders with larger budgets and tech teams ready for a full overhaul.
Ocrolus – Document Review Automation
Ocrolus automates data extraction from borrower documents, which speeds up VOI/VOE and income validation workflows. However, it primarily handles the document intake stage—not the underwriting or clearing stages of the loan process.
Best for: Teams looking to reduce manual document review bottlenecks.
Trained.ai – Post-Submission Conditions Review
Trained.ai focuses on reviewing submitted borrower documents to automatically flag incomplete or missing information. It’s helpful but typically works after underwriting, not during loan structuring or AUS optimization.
Best for: Shops needing help cleaning up files before closing.
The Prism Difference: Full Encompass Mortgage Automation in Motion
Most tools solve one piece of the puzzle. Prism by Lender Toolkit was built to automate the entire process—starting from the very beginning.
Here’s what makes Prism different:
Clarity: Automated Underwriting Support
Prism’s Clarity feature acts like an AI-powered underwriting assistant. It:
- Reads borrower documents
- Calculates and verifies income and assets
- Flags missing or conflicting data
- Prepares the file to be underwriting-ready, with clear documentation on why decisions are made
Instead of simply telling you a condition is missing, Clarity actually explains what’s wrong and how to fix it, giving loan officers and processors actionable insights.
Automation Engine: Workflows That Work Inside Encompass
Prism doesn’t just connect to Encompass—it lives inside it. It can:
- Automate AUS submissions and reruns
- Trigger document requests and redisclosures
- Move files forward based on live data validation, not manual checklists
- Route loans to the right processing or underwriting channel based on loan characteristics
This means fewer system jumps, faster turn times, and dramatically reduced manual oversight.
Faster Clear-to-Close, Fewer Conditions, Lower Costs
Early adopters of Prism have seen measurable benefits, including:
- Clear-to-close timelines reduced by several days
- Fewer post-underwriting conditions
- Reduced touches per file
- Lower operational costs and fewer compliance risks
Because Prism fully integrates with Encompass without needing extensive custom coding, most lenders can go live quickly—without a massive operational overhaul.
Why It Matters for Loan Officers
You don’t just need another tool; you need better outcomes.
Smart Encompass mortgage automation should:
- Give you clearer files faster
- Save you from manual resubmissions and rework
- Empower you to originate more loans, not just manage chaos
- Improve borrower experience with fewer delays and surprises
Prism was designed specifically with this in mind, helping LOs, processors, and underwriters actually move faster—without cutting corners.
A Smarter Future for Mortgage Lending
Choosing the right mortgage automation isn’t about finding the biggest brand or the flashiest AI. It’s about finding what works—for your tech stack, your team, and your borrowers.
If you’re evaluating Encompass automation tools, keep these questions in mind:
- Does it automate real bottlenecks—not just surface-level tasks?
- Can it integrate directly into Encompass without excessive customization?
- Does it support loan officers, processors, and underwriters at once?
- Will it actually save time and money, not just add another tool to manage?
With Prism, the answer is yes.
See Prism for Yourself
Learn more about how Prism can help you build a faster, smarter, and more profitable lending process—or contact us for a quick walkthrough.
No hard sales talk—just real solutions for real lending challenges.
