KeySteps vs Encompass LO
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
KeySteps
This financial assistant helps users achieve homeownership by providing tools for credit monitoring, affordability analysis, and mortgage readiness assessment. It also features real estate listings and connects users with lenders for guidance.
- Free credit score, report, and monitoring
- Affordability analysis
- Real estate listings search
- Mortgage readiness assessment
- Financial insights (savings, DTI, net worth)
- Lender connection for guidance
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Looking to achieve your dream of homeownership? Look no further than KeySteps, the ultimate financial digital assistant. Whether you're just starting your homeownership journey or you're a seasoned homeowner, KeySteps has everything you need to get mortgage-ready and build your homeownership wealth with confidence. Here are some of the key features that set KeySteps apart: • Free credit score, report, and monitoring: See your credit score and track changes month-to-month. Learn the key factors that make up your score and check your credit report for accuracy. • Affordability analysis: Check your total buying power based on where your finances are today, then see the real-time impact that interest rate changes or other factors can have on your estimated monthly payment. • Real estate listings: Search local and nationwide real estate listings, customize searches, favorite properties you like, and save your searches. • Mortgage readiness assessment: Check your personal Homeownership Snapshot to see how you stand on the key financial factors used for mortgage approvability, and that will help you reduce your estimated monthly payment when buying your next home. • Financial Insights: Track your cumulative savings and DTI as you save up for a new home, and your net worth as you grow wealth in your current one. • Homeownership preparation: Connect with your trusted lender partner to review your mortgage readiness and get their guidance on planning and specific steps you should take to be confident at every stage of your journey. Security is our #1 priority, so you can rest easy knowing that your financial accounts and homeownership preferences are secure. Read our security and privacy policies here: https://finlocker.com/security/ Achieving your dream of homeownership has never been easier. Download KeySteps today and take control of your financial future.
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 5.0 against KeySteps's 3.7. Encompass LO also leads on monetization model (free vs ad-supported). KeySteps's advantage is update cadence (monthly vs every 2 months) and device support (3 vs 1). On price, ratings volume, 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, 5.0 against 3.7. Both are backed by a comparable volume of ratings — 6 and 3 respectively.
KeySteps ships an update monthly, Encompass LO every 2 months. The most recent releases landed on August 25, 2026 and September 6, 2026 respectively.
| Parameter | KeySteps | Encompass LO |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (6 ratings) | 5.0 (3 ratings) — better |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 6 — better | 3 |
| Update frequency | Monthly — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 114 MB | 111 MB |
| Age rating | 12+ | 17+ |
| Developer | Finlocker LLC | IntercontinentalExchange, Inc |
Customer experience
KeySteps
Encompass LO
In-app purchases
KeySteps
No in-app purchases
Encompass LO
No in-app purchases
Questions
Is KeySteps free?
Is Encompass LO free?
Which has better reviews, KeySteps or Encompass LO?
Do KeySteps or Encompass LO have ads?
Which is updated more often, KeySteps or Encompass LO?
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