Case Study: American National Bank achieves paperless processing and 55% cost reduction with ICE Mortgage Technology's Encompass

American National Bank Goes Paperless, Gains Efficiency with Encompass

American National Bank, a century-old, $2.5 billion community bank based in Omaha serving Nebraska, Iowa and Minnesota, was processing roughly 100 mortgage loans a month but struggled with paper-based, disjointed systems that required multiple rekeying (up to four times per loan), created data-integrity and compliance gaps, and hindered visibility as it prepared for KBYO.

The bank implemented Ellie Mae’s Encompass all‑in‑one mortgage platform with eFolder and eSign to go paperless and centralize workflows. The solution delivered real-time pipeline visibility, built‑in compliance checks, faster electronic disclosures (allowing closings three days out instead of seven), a 55% reduction in costs, an estimated 67 hours saved per month, fewer errors, and earned ANB the 2016 Ellie Mae Hall of Fame Award for Outstanding Efficiency and ROI.

American National Bank

Annette Uleman

VP of Mortgage Processing/Closing