Case Study: Homeowners Financial Group achieves shorter loan cycles and higher online engagement with ICE Mortgage Technology's Encompass Consumer Connect

Homeowners Financial Group Delivers the Best of Both Worlds with Encompass Consumer Connect

Homeowners Financial Group USA, a Scottsdale-based mortgage lender with 40 branches across 14 states and $1.5B in annual loan volume, needed a way to offer secure online engagement without abandoning its referral-driven, relationship-focused model. The challenge was to give borrowers convenient digital options while preserving personal touchpoints that drive their purchase-heavy business.

They implemented Encompass Consumer Connect® to provide an interview-style online application, a secure borrower portal with eSign, and automated employment/income/asset verification — while customizing features to route key interactions back to loan officers. The hybrid approach increased online applications by 7%, drove a 52% uptake of automated verifications in two months, achieved a 98.7% eConsent/eSign opt-in, and shortened cycles (application to closing docs by 1.5 days and application to funding by 1.1 days), enabling faster closings and higher productivity with the same staff.

Homeowner's Financial Group

Brandon Durham

Product Support Manager