March 10, 2026
Plaid brings next-gen asset verification solution to Encompass®
We’re excited to announce our new integration with Encompass® by ICE Mortgage Technology, a leading loan origination system (LOS) for mortgage lenders. Through this new partnership, Plaid’s Home Lending Report will now be integrated directly into Encompass, making digital asset verification easier to adopt within the platform lenders already use to originate loans.
Why lenders choose Plaid for asset verification
Mortgage origination costs continue to rise by 35% in the past 3 years, while loan volumes remain under pressure. Lenders are looking for smarter ways to operate but many existing verification solutions fail to drive meaningful borrower adoption. As a result, teams still fall back on manual, document-based processes.
Plaid takes a modern approach to verification which is proven to improve operating efficiency for lenders like Zillow Home Loans, Rocket, and more.
Industry-leading conversion for account-linking
Verification is often a cumbersome, time-consuming step for borrowers applying for a mortgage. Plaid replaces document-based verification steps with a streamlined account-linking experience used by more than half of Americans to connect their bank accounts. That familiarity and trust helps borrowers to complete the process more easily–in loan application flows, up to 80% of borrowers successfully link their accounts using Plaid.
When more borrowers complete the verification step on the first pass, lending teams spend less time on follow-ups and manual rework. Applications move more smoothly from intake through underwriting, improving operating efficiency across origination.
Comprehensive, consumer-permissioned data
Once a borrower links their accounts, Plaid generates a structured Home Lending Report delivered directly to the lender’s Encompass dashboard for Loan Officers and underwriters to review. The report includes up to two years of consumer-permissioned financial data, such as categorized deposits and withdrawals, average account balances, NSF counts, and asset-derived income.
Because this data is sourced directly from borrower’s linked bank accounts, lenders get a current, more consistent view of a borrower’s financial picture, without chasing documents or re-verifying stale information.
Built for agency lending and modern origination workflows
For agency loans, Plaid’s Home Lending Report helps lenders meet GSE asset verification requirements, strengthening their eligibility for reps and warranties relief.
A native Encompass experience for lending teams
Embedded in Encompass, Plaid provides a native, purpose-built dashboard that allows lending teams to review asset data, track verification status, request Employment Refreshes, and manage workflows without switching tools or reconciling information across systems.
By centralizing asset verification inside the Encompass LOS, Plaid reduces manual reconciliation and context switching, helping lending teams spend less time managing verification and more time moving loans forward.
Building a more connected mortgage ecosystem
With Plaid’s Home Lending Report available directly in Encompass, lenders can modernize asset verification without changing how they originate loans. The result is a more efficient, borrower-friendly verification experience that helps lending teams move applications forward with greater confidence.