# KeySteps vs Encompass LO

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.

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.

## The numbers

| Metric | KeySteps | Encompass LO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (6 ratings)](https://appshunter.io/ios/app/keysteps/id6642643003/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/encompass-lo/id6738355640/reviews)** |
| Number of ratings | **6** | 3 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 2 months |
| Monetization | Ad-supported | **Free** |
| Size | 114 MB | 111 MB |
| Requires iOS | **15.0** | 17.0 |
| 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

### KeySteps

[App page](https://appshunter.io/ios/app/keysteps/id6642643003)

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.

**Highlights:** 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

**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 KeySteps free?

KeySteps 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, KeySteps or Encompass LO?

Encompass LO is rated higher. KeySteps averages 3.7 out of 5 from 6 ratings, while Encompass LO averages 5.0 from 3 ratings.

### Do KeySteps or Encompass LO have ads?

Neither KeySteps nor Encompass LO shows ads.

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

KeySteps ships an update monthly, and Encompass LO every 2 months. Most recently, KeySteps was updated on August 25, 2026 and Encompass LO on September 6, 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.*