A first look at the upcoming Encompass 25.1 major release

By ICE Mortgage Technology
February 21, 2025 • 6 min

At ICE, our mission is to continuously innovate and provide powerful technology that addresses the challenges of the mortgage industry head-on. With the Encompass 25.1 major release, we're excited to deliver additional enhancements that further streamline the loan manufacturing process—making the platform you trust every day to manufacture your loans even more efficient.

Here's an in-depth look at the key highlights from our upcoming release and how they can benefit your organization.

Streamlined loan processing

Subject property address validation

One of the standout updates in this release is the integration of subject property address validation via the U.S. Postal Service (USPS) through Encompass Partner Connect, our modern partner API framework.

What it does: USPS address validation will be integrated across both the Encompass web and desktop interfaces, making it easier for users to verify and maintain consistent property addresses across forms and documents throughout the loan transaction.
Why it matters: By reducing the manual effort and potential mistakes involved in property address verification, this feature further enhances efficiency during loan processing.

ICE Mortgage Analyzer document expiration tracking

The Mortgage Analyzer tool within the Encompass Underwriting Center will include document expiration tracking within the Underwriting Summary tool.

What it does: The Mortgage Analyzer monitors hundreds of documents within a loan file and automatically identifies those about to expire – helping to keep borrower paperwork and financial information up to date and in line with compliance protocols.
Why it matters: This tool will simplify document management during the underwriting process to support regulatory compliance and facilitate the production of higher-quality loans.

Workflow optimization

Global Task Pipeline access from the Encompass desktop interface

The Global Task Pipeline is an innovative tool that enables lenders to track, manage, assign and complete tasks for all their loans in a single spot. Historically only accessible through the Encompass web interface, the Global Task Pipeline will be directly accessible from the desktop pipeline interface.

What it does: Users will be able to manage and complete loan manufacturing tasks from a single, unified view on their desktop.
Why it matters: By enhancing interoperability across the web and desktop interfaces, task management can be more seamless, saving time and driving efficiency in operational workflows.

Improved flexibility and control for managing workflow tasks

Today, Encompass offers powerful tools for managing tasks across the loan origination process, enabling users to easily stay on top of what to work on and when. With the 25.1 major release, we’ll be adding new flexibility for how lenders can add tasks to loans and greater controls around which users can access and manage tasks.

What it does: Administrators will be able to assign, prioritize and describe tasks based on identified attributes of the loan – the subject property location for example. Additionally, we’re adding more granular permission controls to allow lenders to define function-based permissions to tasks. By being able to more granularly control access to tasks, lenders will be able to retain visibility around outstanding tasks in addition to limiting operational risks.
Why it matters: Task management is one of Encompass’ most innovative and impactful capabilities. These enhancements enable clients to more easily expand their utilization of task management across their organization and allow users to more efficiently manage, prioritize and complete their work.

Adherence to industry guidelines

iLAD update to MISMO 2.1 specifications

Adhering to industry guidelines is crucial to maintaining compliance and ensuring the loan's salability to investors and GSEs after closing. With this upcoming update, lenders will be able to effortlessly export the Industry Loan Application Dataset (iLAD) in accordance with MISMO 2.1 specifications directly from Encompass.

What it does: This iLAD update helps lenders utilize the enhanced datasets for improved compliance and market scalability.
Why it matters: Staying aligned with industry agency guidelines is essential for a seamless automated underwriting system (AUS) workflow and post-loan sale compliance with investors.

Support for updated Connecticut county-based loan limits

Loan value limits are a key factor in determining whether FHA and Conventional loans meet the criteria for sale to GSEs after closing. These limits are subject to change, and as of January 2024, Connecticut’s loan limits have been revised. With the 25.1 release, new updates will be introduced to assist lenders in aligning with the latest loan value thresholds.

What it does: The release includes updates for county-based loan limits in Connecticut to support compliance with Qualified FHA and Conventional loans based on the latest thresholds.
Why it matters: Meeting the latest criteria is critical for HMDA reporting and post-loan sale eligibility to GSEs.

Maximizing the latest innovation in Encompass

This release reflects our commitment to equipping mortgage professionals with the tools they need to simplify complex workflows, improve accuracy and maintain compliance in an evolving landscape. Whether you're a loan officer, underwriter or compliance manager, these enhancements are designed to make your day-to-day operations smoother and more productive.

Looking for more resources to help you prepare for the Encompass 25.1 release? Visit the Release Hub on the ICE Customer Resource Center today to learn more about these and other product enhancements that are redefining what's possible for the mortgage industry.