Encompass® integrated data solutions
From fragmented data to a connected workflow, ICE brings the data lenders need into Encompass, so every decision happens in one place. No separate platforms, no vendor juggling.
Data fragmentation
Managing multiple data vendors adds cost at every stage of the origination process. Separate contracts, separate integrations, separate support queues and separate data formats to reconcile. When something goes wrong, lenders must determine which vendor owns the issue before they can begin to work toward a resolution. Meanwhile, the loan sits.
ICE's integrated data solutions in Encompass
Rather than connecting to separate platforms and managing relationships with multiple service providers, lenders can get access to all of the data needed to originate a loan inside a single workflow.
With integrated data solutions in Encompass, lenders benefit from:
More automated, insight-driven loan origination
Faster decisions with reliable, near real-time data
Lower risk through consistent data and automated checks
More profitable loans with fewer fee cures and delays
One trusted partner with no vendor juggling required
From pre-application through underwriting, closing and post-close
Our solutions fit into the existing origination process without the friction of dealing with multiple service providers, delivering the right data at the right moment throughout each stage.
Fee Solutions
Fees and taxes calculated upfront for the initial loan estimate
Property Tax Solutions
Tax data pulled to populate estimated escrow and prepaid sections accurately
Flood
Flood cert ordered to determine flood zone status
Fraud Monitor
Fraud checks on borrower, property, identity and loan application data
Property Data
Property verification, lien and title screening
Property Valuations
Ordered as a pre-screen before a full appraisal or as an appraisal alternative
Data tools built for the way lenders work
Each solution is integrated into Encompass, so data flows where it's needed without the manual steps, separate logins or reconciliation work.
Fee Solutions
Automated fee and tax data at every stage
ICE Fee Solutions deliver automated fee and tax data within Encompass, cutting the time and cost of tracking down fee changes manually and reducing surprises that can jeopardize closing.
- Fee Monitoring tracks jurisdictional-level fee changes and alerts lenders automatically
- Fee Cures Dashboard summarizes fee change sources so root causes can be addressed
- Settlement Agent Gateway enables lender and settlement agent collaboration
Property Tax Solutions
Verified tax data at application and close
Property tax data that's outsourced requires manual pulls and transfers into the loan file, creating room for error and adding steps on every loan. ICE’s Property Tax Solutions bring that process inside Encompass, providing verified tax information for both loan estimates and closing disclosures.
- Integrated into Encompass for the Loan Estimate and Closing Disclosure
- Supports compliance with TRID guidelines
- Reduces time and cost associated with procuring tax data
- Flexible configuration supports regional requirements
Flood
Comprehensive flood determinations in minutes
ICE Flood delivers comprehensive, automated flood reports enhanced with current property assessment data, inside Encompass.
- Certification maps with intuitive visuals of the property and flood zone
- Direct customer service access: any order requiring manual review is returned within four business hours
- Seamless integration between Encompass and MSP for life-of-loan monitoring
Fraud Monitor
Fraud detection in your workflow
ICE's Fraud Monitor combines proprietary and third-party data with advanced logic to monitor, detect and resolve fraud throughout the loan application, all within a single system.
- Reduces manual clearance of non-fraud issues
- Automates tracking against federal watchlists and GSE "do not sell" lists
- Configurable quantified fraud scoring to support unique lender compliance needs
- Helps catch potential fraudulent activity earlier, so higher-quality loans flow through the pipeline
Property Data Reports
Nationwide property details on-demand
ICE’s property data reports, delivered via SiteXPro, provide on-demand access to comprehensive, nationwide property details in Encompass, reducing the need to manually collect data from multiple sources.
- Early identification of data irregularities: HOAs, straw buyers, multiple-property ownership and transaction discrepancies
- Significant time savings over searching individual county websites
- Data built into the workflow to help lenders flag changes, trigger alerts and prefill data fields
Valuation Solutions
Reliable property valuations and risk assessment
ICE Valuation Solutions deliver high-quality, consistent and objective property value estimates in Encompass.
- Draws on public records, MLS data, automated valuation models (AVMs) and property condition data
- More reliable valuations and faster appraisal turn times
- Reduced appraisal overages and reconsiderations
- Better collateral risk modeling for underwriters and investors
An independent research study* found that, on average, Encompass delivers:
$1,056
Increase in gross profit per loan
23%
Increase in loan production volume without adding staff
3 Days
Reduction in cycle times from application to close
* Encompass 2024 customer ROI research study conducted by MarketWise Advisors
Faster decisions. Fewer errors. More profitable loans.
With reliable data in the platform where you already work, lenders can execute smarter pricing strategies, reduce back-and-forth with borrowers and achieve higher loan pull-through rates.
Reduce time spent on processing, underwriting and manual data review
Reduce back-and-forth with borrowers and time managing multiple vendors
Increase loan profitability and loan pull-through rates
Explore more resources
Are fee cures an issue for your organization?
From data fragmentation to integration: establishing a more unified workflow in Encompass
Get the right property tax data throughout the loan origination process
Are fee cures an issue for your organization?
