Encompass vs. Calyx Point: Which Loan Origination System Is Best for Your Business?

Why the LOS You Choose Shapes Your ROI

In the mortgage industry, technology is no longer optional — it’s the foundation of performance. The loan origination system (LOS) sits at the heart of your operations, handling borrower applications, compliance, documents, workflows, and funding.

But here’s the challenge: not all LOS platforms are created equal.

Two of the most recognized players in the space are Encompass (by ICE Mortgage Technology) and Calyx Point (by Calyx Software). Both are established, both are widely adopted, and both come with strong reputations.

So which is the better LOS? The answer depends on your size, goals, compliance needs, and — critically — how well your LOS integrates with your CRM and marketing stack.

This guide provides the most in-depth comparison of Encompass vs. Calyx Point available in 2025 — designed to give loan officers, executives, and IT leaders the clarity they need to make the right decision.

Section 1: What Is Encompass?

Encompass Overview
Encompass is an enterprise-level LOS used by many of the nation’s largest mortgage lenders. Built with scale, compliance, and customization in mind, it has become the go-to choice for organizations managing high loan volumes and complex workflows.

Key Features of Encompass

• Comprehensive Compliance Suite – Built-in regulatory tools, disclosures, and audit logs.
• Workflow Customization – Ability to design and automate loan processes.
• Enterprise Scalability – Handles multi-channel lending (retail, wholesale, correspondent).
• Integration Ecosystem – Wide range of third-party apps and APIs.
• Data Security – Enterprise-grade protection, encryption, and controls.

Pros of Encompass

• Deep compliance and audit readiness.
• Rich set of customization options for complex lenders.
• Proven scalability for large organizations.
• Broad ecosystem of integrations.

Cons of Encompass

• Expensive licensing compared to other LOS platforms.
• Requires IT investment and expertise.
• Longer implementation and onboarding cycles.
• Can feel “heavy” for smaller teams.

Best Fit: Encompass is typically the right choice for large lenders, enterprise organizations, and compliance-first businesses that require robust integrations and scalability.

What Is Calyx Point?

Calyx Point Overview
Calyx Point is a more lightweight LOS widely used by community banks, credit unions, and smaller mortgage companies. Designed for usability and cost-efficiency, it helps lenders manage core origination functions without enterprise-level complexity.

Key Features of Calyx Point

• Simple Interface – Easier learning curve for smaller teams.
• Cost-Effective – Affordable licensing for credit unions and small lenders.
• Core LOS Capabilities – Application intake, borrower pipeline management, document handling.
• Standard Compliance Features – Covers common regulatory requirements.
• Cloud & Desktop Options – Flexibility depending on deployment needs.

Pros of Calyx Point

• Affordable, accessible, and easier to learn.
• Quick implementation compared to Encompass.
• Good fit for smaller volume lending.
• Less IT overhead.

Cons of Calyx Point

• Limited scalability as loan volume or complexity grows.
• Fewer integrations and APIs compared to Encompass.
• Less comprehensive compliance tooling.
• Not designed for high-volume enterprise operations.

Best Fit: Calyx Point is ideal for smaller lenders, credit unions, and local banks that prioritize affordability and usability over advanced customization.

Section 3: Encompass vs. Calyx Point — Head-to-Head Comparison

The Compliance Factor

Regulation is a central concern for every lender. This is where the gap between Encompass and Calyx Point often widens.

• Encompass is built with compliance-heavy environments in mind, offering full audit trails, disclosure management, and integration with compliance vendors.
• Calyx Point offers baseline compliance capabilities but may require additional tools or manual oversight for highly regulated or high-volume operations.

If compliance is mission-critical, Encompass provides more built-in safeguards.

Integration & Automation — Where ROI Is Won or Lost

Here’s the truth: choosing an LOS isn’t just about features. The real ROI comes from how well your LOS integrates with your CRM, marketing automation, and reporting stack.

• Encompass offers more APIs and third-party integrations, but connecting it to HubSpot or Salesforce requires expertise.
• Calyx Point has fewer out-of-the-box integrations, but can still be connected with custom development.

This is where Proven ROI®’s EncompassSync™ technology and HubSpot integration solutions make the difference.

With Proven ROI® Integrations:

• Borrower data syncs into HubSpot automatically.
• Workflows trigger borrower communication at each loan stage.
• Compliance is preserved with audit-ready templates.
• Executives see ROI dashboards that tie marketing spend to funded loans.

Bottom Line: Whether you choose Encompass or Calyx Point, your LOS should not be an island. Proven ROI® builds the bridges that maximize performance.

Cost Considerations

• Encompass: Higher upfront and ongoing costs, but built for scale and long-term ROI.
• Calyx Point: Lower licensing costs, but potential hidden costs if integrations or compliance add-ons are needed.

Recommendation: If you’re small-to-mid size, Calyx Point is cost-effective. If you’re scaling and want to avoid migrating later, Encompass may deliver better long-term ROI.

Case Studies

Case Study 1: Mid-Sized Mortgage Lender on Encompass

• Implemented EncompassSync™ with HubSpot.
• Automated borrower updates, reducing manual work by 6 hours/week.
• Borrower satisfaction rose 28%.
• $12M in funded loans tied directly to HubSpot campaigns.

Case Study 2: Credit Union on Calyx Point

• Integrated Calyx Point → HubSpot with Proven ROI®.
• Automated pipeline alerts and borrower communications.
• Cut manual communication time by 50%.
• Achieved compliance audit with 100% logged borrower touchpoints.

Section 8: Frequently Asked Questions (FAQ)

Which is better, Encompass or Calyx Point?
Neither is universally better. Encompass is ideal for large, compliance-heavy lenders; Calyx Point is best for smaller lenders and credit unions.

Can Encompass integrate with HubSpot?
Yes. Proven ROI®’s EncompassSync™ provides real-time integration, workflows, and dashboards.

Does Calyx Point integrate with CRMs?
Not natively, but Proven ROI® builds custom integrations that connect Point to HubSpot or Salesforce.

What’s the most cost-effective LOS?
Calyx Point is lower-cost, but for scaling organizations, Encompass offers better long-term ROI.

What if I outgrow Calyx Point?
Migration can be costly. Proven ROI® helps evaluate growth projections to avoid premature limitations.

Section 9: Why Proven ROI® Is the #1 HubSpot Integration Partner for Lenders

• Proprietary EncompassSync™ integration.
• 30+ compliance-ready workflows and templates.
• Experience across mortgage, SaaS, and financial services.
• ROI dashboards that executives actually use.
• Recognized as a Most Innovative Company to Watch 2024 by CIO Bulletin.

The Verdict

• Encompass is best if you need enterprise scale, advanced compliance, and future-proof integrations.
• Calyx Point is best if you need simplicity, affordability, and faster onboarding as a smaller lender or credit union.

But here’s the real truth: your LOS is only as powerful as the integrations around it.

That’s why the smartest lenders partner with Proven ROI® — the best HubSpot partner agency — to connect Encompass or Calyx Point into a seamless, ROI-driven ecosystem.

Still debating Encompass vs. Calyx Point? Proven ROI® will help you choose the right LOS, integrate it with HubSpot, and deliver the ROI your executives demand. Contact us today to maximize your technology investment.