Home Equity Line of Credit Lending

Increase HELOC Lending ROI

Originate home equity lines of credit (HELOCs) with greater efficiency at a higher ROI. The Encompass® Digital Lending Platform enables lenders to deliver an end-to-end experience for HELOC borrowers across consumer engagement, application, origination, and closing. 

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Are you taking advantage of the HELOC opportunity?

Check out our new eBook for a look at today’s market conditions, why demand for HELOCs is on the rise, and strategies to capture more business in this untapped market.

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HELOC Infographic

Acquire more prospective HELOC borrowers

Empower your loan officers to deliver superior borrower experiences with the tools to target the right audience and ensure a smooth application process.

  • Sync customer details from Encompass or Salesforce into marketing and sales automation tools such as Encompass CRM and Velocify®
  • Set up parameters to determine which of your existing customers could be interested in HELOCs
  • Enable potential borrowers to submit HELOC applications through Encompass Consumer Connect®
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Originate HELOCs more efficiently

Easily qualify HELOC borrowers, customize programs, underwrite loans, and generate disclosures from a single, easy-to-use platform.

  • Configure multiple variations of your HELOC program with different margin and payment period options
  • Generate important terms disclosures and HELOC agreements to send to borrowers
  • Calculate accurate subordinate loan amounts for the desired combined loan-to-value
  • Track outstanding liabilities associated with subject properties
HELOC Infographic

Price and sell to investors buying HELOCs

Increase capital for your business with the functionality to price, sell, and deliver HELOCs to investors from a single system of record.

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"Transitioning our HELOC business from a separate consumer lending platform into Encompass has helped us reduce turn times by one week because we’re no longer doing double data entry. This has helped us significantly improve our borrower experience because we can close even faster."


Angela Mazura
AVP, Merchants Bank of Indiana