Case Study: Gold Star Mortgage Financial achieves accurate pricing, better data integrity and stronger hedges with ICE Mortgage Technology's Encompass Product & Pricing Service

Encompass Product & Pricing Service Delivers Greater Data Integrity and Reliability

Gold Star Mortgage Financial Group, based in Ann Arbor and funding about $1.3B in loans across 33 states and 47 branches, needed a more reliable pricing solution when it moved to mandatory delivery. Their prior engine lacked the data integrity and precision required for accurate hedging and fast, confident pricing decisions—errors could cost the firm millions.

Gold Star implemented Encompass Product & Pricing Service, tightly integrated with Encompass, giving up‑to‑date data, broader investor coverage, streamlined workflow with custom forms, and a per‑quote pricing model. The change improved hedging accuracy and margin visibility, reduced human error, saved 7 basis points (about $140 per loan), and provided a dependable vendor partnership.

Gold Star Mortgage Financial

AJ Franchi

CIO