| Loan Origination Software (LOS) | Encompass360 | Calyx Point | Net Oxygen | Powerlender |
| License Option | Pay as you go plus Loan closed fee. | Monthly SaaS (software as a service) pricing model | Reduce upfront costs and pay as you go | Available on a subscription basis |
| Dashboard management | Pipeline management, Configure workflows, Review loans for compliance | Out of the box compliance, pipeline and many standard reports | N/A | |
| Compliance | Receive instant alerts to RESPA, MDIA & HUD. Automatically review loans for ATR/QM, HOEPA, HMDA, FHA, TILA and NMLS Violations. | Calyx Network – compliance by facilitating communication with fraud and compliance vendors | RESPA, MDIA, SECTION 32, SECTION 35, HMDA, OFAC, TILA, and many more regulations are enforced by the rule engine | Recognized by GSEs as an early adopter, automatically includes checks for HOEPA, HMDA, QM/ATR, SEC 32/35 and more. |
| Rate/pricing Engine | Internal provider EPPS, can also be itnegrated with third part pricing engines like Optimal Blue | No data | Risk based pricing, Electronic rate sheet uploads, Automated and characteristic based pricing adjustments and historical pricing | No data |
| Integrations | Electronically order services – 4506-T, flood, appraisal, credit, etc. – right within Encompass. Encompass’s services and solutions let you profit from a single system of record and all the efficiency that comes with an airtight all-in-one workflow. | More than 200 loan vendors | Integrations provided for flood, credit, appraisasls, mortgage insurance, fraud and automated underwriting via service orders. | More than 50 integrations with leading third‐ party service providers; credit, appraisal, flood and mortgage insurance, as well as a variety of GSEs including ULDD. |
| Hosting | Encompass on-demand as Software-as-as-Service (SaaS) and trust in our Service Organization Control 2 (SOC 2) industry-standard certified data centers | Installed – Windows | Fully hosted, fully managed | Can be deployed as a hosted system as well as a traditional, in‐ house LOS. |
| Technologies | .Net | .Net | MISMO, Webservices, Jquery, Oracle server, .NET framework | Application Virtualization (AV) technology |
| Channels | Retail, Wholesale, Correspondent, Broker | B2B, B2C, Retail, Wholesale, COmmercial, Home Equity, Correspondent, Consumer | Retail, wholesale, commercial, Home Equity, correspondent, consumer | Primary and second mortgages, construction, HELOCs, personal, vehicle, energy and manufactured housing loans as well as nontraditional products for private banking and wealth management. |
