AI automation for Encompass lenders

Most Encompass shops do not want to rip out their LOS to get AI. They want the LOS they already run to do more. That is what Loandock does. It is an AI loan processor that works inside Encompass, so your system of record stays the single source of truth.

How it connects

Loandock talks to Encompass through a Model Context Protocol server: a clean, governed read-write interface rather than brittle scripting. It reads a loan's open conditions, files documents into the Encompass eFolder, and recommends conditions satisfied. A human clears them. Because it is an integration layer and not a rebuild, there is no migration and no swapping your stack.

What it does inside Encompass

• Reads open conditions and derives the exact documents each file needs.
• Collects and verifies borrower documents, then writes them to the eFolder.
• Drafts Letters of Explanation, routes them for e-signature, and files the signed copy back.
• Recommends underwriter conditions satisfied; a human clears every one.
• Escalates anything uncertain to a person through a Needs You queue.

Why Encompass shops choose it

It plugs in without a rip and replace, it keeps Encompass as the system of record, and it is safe by design: a deterministic engine runs the sequence and AI only handles narrow, evaluated judgment steps, every action logged for audit. On live files it has cleared 35 conditions over a weekend and taken a 120+ flag file to clear in 7 days.

Encompass (ICE) is live today. nCino is supported. Arive, Vesta, and Calyx Path are next.

See the AI Processor overview and how it clears underwriter conditions.