# LendingPad vs Encompass LO

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.

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.

## The numbers

| Metric | LendingPad | Encompass LO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.4 (21 ratings)](https://appshunter.io/ios/app/lendingpad/id1495761304/reviews) | **[4.5 (4 ratings)](https://appshunter.io/ios/app/encompass-lo/id6738355640/reviews)** |
| Number of ratings | **21** | 4 |
| Positive reviews | **30.8% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 10 MB | 64 MB |
| Requires iOS | **11.0** | 18.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [LendingPad Corp](https://appshunter.io/developer/1536518348) | [IntercontinentalExchange, Inc](https://appshunter.io/developer/394677843) |

## What reviewers say

### LendingPad

[App page](https://appshunter.io/ios/app/lendingpad/id1495761304)

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.

**Highlights:** Lead management, Borrower prequalification, Credit checks, AUS runs, Loan file documentation lookup, Mobile loan management

**Features:** macOS Compatibility

**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 LendingPad free?

LendingPad 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, LendingPad or Encompass LO?

Encompass LO is rated higher. LendingPad averages 2.4 out of 5 from 21 ratings, while Encompass LO averages 4.5 from 4 ratings.

### Do LendingPad or Encompass LO have ads?

Neither LendingPad nor Encompass LO shows ads.

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

LendingPad ships an update every 4 months, and Encompass LO every 2 months. Most recently, LendingPad 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.*