ICE Adds Asset Verification and File Audit Automations to Popular Mortgage Analyzer Offerings

At ICE, we’re dedicated to transforming the home finance process through end-to-end digitization. A key part of this mission is the streamlining of the loan manufacturing process. Our ICE Mortgage Analyzers are designed to address a critical step in this process by optimizing underwriting and loan processing workflows. Integrations within our Encompass® platform, the Analyzers automate critical tasks—such as income verification, credit analysis, asset review and audit checks—to deliver greater accuracy and consistency throughout the origination process.

Today, at ICE Experience in Las Vegas, we announced the expansion of this powerful tool with two new solutions: ICE Asset Analyzer and ICE Audit Analyzer. These Advanced automations complement existing ICE Income and Credit Analyzers, enabling mortgage professionals to streamline lending, improve accuracy and support compliance.

Asset Analyzer uses data analysis and configurable logic to simplify the traditionally manual process of assessing borrower assets. Key tasks include identifying large deposits, recognizing withdrawal patterns, and applying a standardized checklist to ensure consistency across loans. By reducing errors and automating repetitive tasks, it allows lending professionals to focus on higher-value work.

Similarly, the Audit Analyzer is engineered to improve post-closing quality control. Replacing traditional manual checklists with automated checks and balances, it helps identify missing documents, data discrepancies and compliance risks to enhance document accuracy, improve regulatory adherence and mitigate costly repurchase risk.

High original costs and increased regulatory demands continue to place pressure on lenders. By embedding advance automation into everyday workflows, ICE Analyzers help lenders remain competitive without sacrificing quality or compliance.

According to a 2024 study by MarketWise Advisors, the Analyzers can save clients up to 224 minutes per loan, translating into an impressive cost savings of $156 per loan. By streamlining these workflows, we're helping businesses to lower costs, enhance decision-making and drive scalability.

"This expansion of our popular Analyzer automations is another example of how ICE is listening to our customers and providing them with the intelligent tools they say they need to drive cost savings, improve loan quality, and deliver an exceptional borrower experience," said Tim Bowler, President of ICE Mortgage Technology. "By integrating these Analyzers within Encompass, we’re enabling our customers to perform more of their essential work within a single platform, making their lives easier, and saving them time and money they’d otherwise have to spend performing these functions offline."

Asset and Audit Analyzers will be available as part of the Encompass 25.1 release. For more details about these tools and other ICE Mortgage Technology solutions, please visit mortgagetech.ice.com.

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