# FinLocker vs Encompass LO

The clearest difference is review sentiment: FinLocker at 100% against Encompass LO's 0%. FinLocker also leads on update cadence (monthly vs every 2 months) and ratings volume (19 vs 4). Encompass LO's advantage is rating (4.5 vs 3.9) and monetization model (free vs ad-supported). On price, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Encompass LO holds the better App Store score, 4.5 against 3.9. Both are backed by a comparable volume of ratings — 19 and 4 respectively. Written reviews complicate that: 100% of FinLocker's written reviews are positive against 0% of Encompass LO's, so the app with the better star average is not the one people write more warmly about.

FinLocker ships an update monthly, Encompass LO every 2 months. The most recent releases landed on October 24, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | FinLocker | Encompass LO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.9 (19 ratings)](https://appshunter.io/ios/app/finlocker/id1435921445/reviews) | **[4.5 (4 ratings)](https://appshunter.io/ios/app/encompass-lo/id6738355640/reviews)** |
| Number of ratings | **19** | 4 |
| Positive reviews | **100.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 2 months |
| Monetization | Ad-supported | **Free** |
| Size | 114 MB | 64 MB |
| Requires iOS | **15.0** | 18.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 12+ | 17+ |
| Developer | [Finlocker LLC](https://appshunter.io/developer/1357188723) | [IntercontinentalExchange, Inc](https://appshunter.io/developer/394677843) |

## What reviewers say

### FinLocker

[App page](https://appshunter.io/ios/app/finlocker/id1435921445)

This app helps you manage your finances, get mortgage-ready, and search for homes. It organizes account balances, transactions, credit scores, and spending analysis in one place. You can also track your budget and access personal finance articles and videos.

**Highlights:** Financial dashboard, Budget tracking and alerts, Free credit score and report, Mortgage readiness assessment, Real estate property search, Secure data sharing

**Features:** Vision Pro support

**In-app purchases:** none


### Encompass LO

[App page](https://appshunter.io/ios/app/encompass-lo/id6738355640)

This app provides mortgage loan officers with tools for lead management, loan origination, and secure communication. It allows users to manage leads, convert them to loans, track their pipeline, and eSign documents remotely to drive sales and assist borrowers.

**Highlights:** Lead management, Loan origination tools, Secure communication, Loan pipeline management, eSign documents, Remote work capabilities

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is FinLocker free?

FinLocker is free to download, with no in-app purchases.

### Is Encompass LO free?

Encompass LO is free to download, with no in-app purchases.

### Which has better reviews, FinLocker or Encompass LO?

Encompass LO is rated higher. FinLocker averages 3.9 out of 5 from 19 ratings, while Encompass LO averages 4.5 from 4 ratings.

### Do FinLocker or Encompass LO have ads?

Neither FinLocker nor Encompass LO shows ads.

### Which is updated more often, FinLocker or Encompass LO?

FinLocker ships an update monthly, and Encompass LO every 2 months. Most recently, FinLocker was updated on October 24, 2026 and Encompass LO on October 28, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*