LendingPad vs Encompass LO
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
LendingPad
This finance app helps loan officers manage leads, borrowers, and loan applications. It enables credit checks, AUS runs, and quick access to loan file documentation, empowering efficient borrower focus.
- Lead management
- Borrower prequalification
- Credit checks
- AUS runs
- Loan file documentation lookup
- Mobile loan management
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LendingPad app allows users to create leads, manage loans, prequalify borrowers, perform credit checks, run AUS, and look up documentation in a loan file. Loan officers are empowered to be effective, efficient, and to focus on borrowers anytime, anywhere.
Encompass LO
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.
- Lead management
- Loan origination tools
- Secure communication
- Loan pipeline management
- eSign documents
- Remote work capabilities
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The Encompass app by ICE Mortgage Technology enables mortgage loan officers to stay ahead of the competition by providing them with powerful lead management, loan origination and communication tools at their fingertips all within Encompass experience they’re familiar with. Using the Encompass app, loan officers can efficiently and securely manage leads, convert leads to loans, manage their loan pipeline, and eSign documents from anywhere at any time. By enabling loan officers to work from anywhere the Encompass app aims to help them do more of what they do best – drive sales and help borrowers get the home financing they need.
Screenshots
Verdict
The clearest difference is rating: Encompass LO at 4.5 against LendingPad's 2.4. LendingPad's advantage is review sentiment (31% vs 0%) and ratings volume (21 vs 4). On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
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 2.4. That said, the two scores are not equally well evidenced: LendingPad has 21 ratings behind it against 4, so its average is the more settled of the two. Written reviews complicate that: 31% of LendingPad'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.
LendingPad ships an update every 4 months, Encompass LO every 2 months. The most recent releases landed on October 24, 2026 and October 28, 2026 respectively.
| Parameter | LendingPad | Encompass LO |
|---|---|---|
| Price | Free | Free |
| Rating | 2.4 (21 ratings) | 4.5 (4 ratings) — better |
| Positive reviews | 30.8% of reviews — better | 0.0% of reviews |
| Number of ratings | 21 — better | 4 |
| Update frequency | Every 4 months | Every 2 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 11.0 — better | 18.0 |
| Further details — not scored | ||
| Size | 10 MB | 64 MB |
| Age rating | 4+ | 17+ |
| Developer | LendingPad Corp | IntercontinentalExchange, Inc |
Customer experience
LendingPad
Encompass LO
In-app purchases
LendingPad
No in-app purchases
Encompass LO
No in-app purchases
Questions
Is LendingPad free?
Is Encompass LO free?
Which has better reviews, LendingPad or Encompass LO?
Do LendingPad or Encompass LO have ads?
Which is updated more often, LendingPad or Encompass LO?
Other comparisons
