# Encompass Mobile Banking vs Encompass LO

The clearest difference is review sentiment: Encompass Mobile Banking at 67% against Encompass LO's 0%. Encompass Mobile Banking also leads on ratings volume (716 vs 4) and rating (4.8 vs 4.5). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Encompass Mobile Banking holds the better App Store score, 4.8 against 4.5. That said, the two scores are not equally well evidenced: Encompass Mobile Banking has 716 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 67% of Encompass Mobile Banking's written reviews are positive against 0% of Encompass LO's.

Encompass Mobile Banking ships an update every 5 weeks, Encompass LO every 2 months. The most recent releases landed on November 8, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | Encompass Mobile Banking | Encompass LO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (716 ratings)](https://appshunter.io/ios/app/encompass-mobile-banking/id6499149745/reviews)** | [4.5 (4 ratings)](https://appshunter.io/ios/app/encompass-lo/id6738355640/reviews) |
| Number of ratings | **716** | 4 |
| Positive reviews | **66.7% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 197 MB | 64 MB |
| Requires iOS | 18.4 | **18.0** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 12+ | 17+ |
| Developer | [Encompass Federal Credit Union](https://appshunter.io/developer/1185897488) | [IntercontinentalExchange, Inc](https://appshunter.io/developer/394677843) |

## What reviewers say

### Encompass Mobile Banking

[App page](https://appshunter.io/ios/app/encompass-mobile-banking/id6499149745)

Manage your finances conveniently from your mobile device. Check account balances, review transaction history, and move funds between accounts. You can also make loan payments and securely message support for assistance.

**Highlights:** Check Balances, View Transaction History, Transfer Funds, Pay Loans, Secure Messaging

**Features:** Apple Wallet

**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 Encompass Mobile Banking free?

Encompass Mobile Banking 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, Encompass Mobile Banking or Encompass LO?

Encompass Mobile Banking is rated higher. Encompass Mobile Banking averages 4.8 out of 5 from 716 ratings, while Encompass LO averages 4.5 from 4 ratings.

### Do Encompass Mobile Banking or Encompass LO have ads?

Neither Encompass Mobile Banking nor Encompass LO shows ads.

### Which is updated more often, Encompass Mobile Banking or Encompass LO?

Encompass Mobile Banking ships an update every 5 weeks, and Encompass LO every 2 months. Most recently, Encompass Mobile Banking was updated on November 8, 2026 and Encompass LO on November 4, 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.*