Case Study: UNCLE Credit Union achieves 55% more monthly loan closings and cuts closing time from 60 to 21 days with ICE Mortgage Technology’s Encompass

UNCLE Credit Union Closes 55% More Loans per Month with Ellie Mae’s Encompass

UNCLE Credit Union, a $290 million credit union in Livermore, CA serving 21,000 members, faced a lean lending operation (two loan officers and a five-person support team) and needed a scalable, compliant loan origination system to reduce manual work, improve reliability, and bring more loan processing in-house to retain origination income.

UNCLE implemented Ellie Mae’s Encompass and Total Quality Loan (TQL) program in 60 days with hands-on training and support. The new LOS cut time-to-close from 60 to 21 days, underwriting from one week to 1.5 hours, and document generation from 48 hours to 30 minutes, enabling 55% more loans per month (10 to 18) and turning a $2,500 per-loan outsourcing cost into roughly $800 up-front profit plus servicing income.

UNCLE Credit Union

Jackie Howard

VP of Lending