LendingPad vs Encompass

Calyx Point

Shape

MeridianLink Mortgage

Aidium

DigiFi

Alkami Platform

Compare LendingPad and Encompass based on features, pricing, verified reviews, integrations & more on GetApp. Find out which software is best for your business in 2026.

Mortgage Automator

Mortgage Automator is a loan origination and servicing software designed to help North American private/ hard money lending businesses automate their operations, increase efficiency, and focus their efforts on growth.

Lendsqr

Loan SaaS helps small to large lenders launch their lending business and reach millions of customers at scale, and at the lowest cost. 

Chockfull of advanced features configured and ready to use out of the box.

With Lendsqr, a lender can set up and start lending within 5 minutes.

The Mortgage Office

The Mortgage Office is a web based loan servicing software which helps to streamline, manage and automate current loan servicing tasks

Allows mortgage originators to work from anywhere with an internet connection.  Responsive UI, mobile friendly.  Work on loan file as well as viewing documents.  Put in tasks, business rules, control users permission levels - all from an intuitive user interface.

Amortization Schedule

Audit Trail

Automated Decisioning/Underwriting

Client Database

Compliance Management

Contact Management

Credit Reporting

Customer Management

Document Management

Document Storage

Electronic Applications

Electronic Signature

Financial Analysis

For Borrowers

For Brokers

Government Loans

HUD Settlement Statements

Lead Management

Lender Search

Loan Management

Loan Origination

Loan Portfolio Management

Loan Processing

Marketing Automation

Mortgages

Multi-Branch

Multi-Company

Online Applications

Outsource Processing

Payment Tracking

Pipeline Management

Pre-Qualification

Pricing Management

Promissory Notes

Real-Time Reporting

Refinance Management

Residential Mortgages

Search/Filter

Third-Party Integrations

Third Party Loan Origination

Visual Presentation

Workflow Management

By industry, LendingPad reviewers are most commonly professionals in financial services (53%). The most frequent use case for LendingPad cited by reviewers is loan origination (89% of reviewers).

Users and use cases

The LendingPad integration most frequently cited by reviewers is Floify, a mortgage product rated 4.1 out of 5 for its integration with LendingPad.

Integrations

LendingPad is a loan origination tool offering key features such as loan management, loan processing, document management, and online applications, among others.

LendingPad

Web-based

Windows

Android

iPhone

iPad

Basic

Mortgage Admin

I asked them to cancel my service and issue a refund and they closed my account and refused to issue any refund after charging less then a week ago for $592.00 now I have opened a credit card dispute to get my money back but I want anyone deciding not to go with them they are running a scam and you will end up paying for 2 systems!!!

Mortgage Advisor

the ability to collaborate with my processing - borrower and investor on a single platform

Vice President - Enterprise Analytics

Inability of the company admin to manage availability of system fields for use in reports & rules.  

Custom fields are clustered together rather than giving us the ability to arrange them with similar stock fields.

Loan Officer

Some basic loan management features, especially amortization & extras payment scenarios, not available

After paying $500 for setup I didn't receive any setup help, there was a terrible onboarding call from a very rude rep and when I tried setting up system by myself I realized so many option items were missing which were promised.

Mortgage Loan Processor

What I love most about LendingPad is that I get to have all of my files in one centrally located LOS.  

Duplications are an issue when applicants are going back into the file, not sure if that is an UI issue.

Love the flow of the application and how fast the responds are when requesting help on items within LendingPad.

Originator and Processor

Templates and automated functions cut down time and promote efficiency as well as accuracy.

Owner-President

I suggest you offer a streamlined tool at a lower cost for thoise brokers that will not use all of the features you offer.

Operations Manager

Document manager not being able to drag documents around, not alot of freedom with it.

Very clunky and constantly have to get in out of the file to verify changes to the file have saved.

Admin could most effectively define that functionality relative to system performance needs.

Loan officer

e.g If while in my NEXA profile, and I also need to access an AXEN loan, I can't open a second window and log into my AXEN LP. If I try this, the NEXA LP window logs out. If I had more time, I could tell you about more problems.

There are so many tabs and maybe not enough as there is so much going on that you can't figure out where to go to find what you need.

Too glitchy, missing useful features like document requests.

Mortgage Broker

Its quick to save a file and I can work on multiple tabs/files at the same time

Sr Loan Processor

Ability to add/select a new AE/rep from wholesale lender.

Director of Operations

It is not set up as much for Lenders, although it is getting better, there are still a lot of GAPs.

With lending pads I have to review, then double check then check again because somethings probably missing.  

Director of Quality Assurance

Good to very good - we recognize operator user is part of the problem but we need more complete data on our reports.  

We do know borrowers that are not techy can get overwhelmed- but really the whole functionality should be better distributed.

Owner

Every LOS takes time to learn,  Lending Pad is better than most, but still requires a learning curve.

Managing Owner

it can be difficult to locate certain ratios or numbers

Mortgage Loan Originator

The “customizability” of various features of the program.

Broker - Owner

Duplicate submissions are really annoying and there isn't anything in place to prevent these.  

President

Competing systems have a built in POS with realtor portal.

Account Manager

it goes down a lot and I have to keep switching browsers back & forth

The customer service chat is a great feature. But there are too many small issues.  

Some limitations on how reports can be generated.

I chose it, because on the Internet it was advertised as the new generation of Loan Origination Software.

Good - as I said, I like that LP is finally integrating with other systems that we utilize such as CRM's.

We requested the things mentioned above when we first started with LPad 2 years ago and still nothing has been done on them

Customer service and online help along with quick response time.

The only reason its used is because the companies use it and its mandatory- however its not my preference.  

Admin / Secondary Market

Also, originally was sold on the 3rd party company that would copy pipelines from old system to Lending Pad - that did NOT go well, company went dark with us then tripled pricing.

Mortgage loan originator

Streamlined in my business and it’s mobile friendly

Processor

OVERALL, LENDING PAD IS AN EXCELLENT PRODUCT FOR MORTGAGE ORIGINATION.

Sr. Mortgage Specialist

Having used Point and encompass for over 20 years, it is sometimes difficult to get used to a different format , trying to find certain fields , and documents locations .

To many other features that we don't use but are reflected in the cost.

The strong point with LP is that they integrate with practically anyone.

I love my experience with lending pad and the support is 10/10 everytime.

Again I do commend them though, they are trying to improve it and fix the quirks we get and for me that's a plus.

As much info as its capable off - it makes no sense that it cannot be better used.

document management and contact management

Implemented immediately when I opened my own brokerage.

They seem to be addressing issues and fixing and adding.

It would be difficult for me to pinpoint a negative experience with using LendingPad  

The flow of the application is not there.

Report Reporting

Features

Loan Borrower

File Management

Customer Support

Workflow

Reviewers highlight LendingPad's document management as organized, customizable, and accessible for all parties involved. Users report that borrowers, originators, and processors can easily upload and categorize documents, making retrieval simple. They appreciate the ability to customize labels, rearrange document order, and combine documents into one PDF. Some users feel LendingPad's uploading process is slow and wish for more folder options and improved compliance tools. They find drag-and-drop and automatic PDF conversion helpful when available. Of the 26 LendingPad users who gave detailed accounts of their use of Document Management, 81% rated this feature as important or highly important.

Client Support

Switching Platforms

Freelancers

Large Enterprises

Small Business

Mid-size Business

LendingPad Corp

LendingWise 

LendingWise is an end-to-end digital lending platform that streamlines the loan origination process from application through closing, providing a modern, private-labeled experience for borrowers, brokers & the entire user base for many Private & Commercial Lending products including Bridge, Fix & Fl

nCino’s Mortgage Suite

Award-winning developer of mobile-first technology for modern mortgage lenders. As a leading homeownership platform, SimpleNexus unites the people, systems, and stages of the mortgage process into an end-to-end solution that spans engagement, origination, closing, and business intelligence.

Encompass is a cloud-based origination system designed to help lenders of all sizes manage the origination and closure of loans via a unified portal. The platform includes artificial intelligence (AI) technology, which enables lenders to automate the borrower management operations.

Customer Statements

Risk Management

Encompass

Controller

I am in accounting, and I heavily utilized their reporting functions which I found to be user friendly and extremely robust.  

I personally felt that more admin services could be included at this price point.

Loan Store

Their support team regarding technical support with the software, they were extremely knoledgable.

Sure, you can call their "help desk" number or watch their training videos, but have you ever had to watch a training video for Amazon?

Manager

Each department has its own permissions so there is no concern for file manipulation.

LendingPad vs Encompass Comparison (2026)

LendingPad

Encompass

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives