Technology + time model

ARIVE vs. Encompass LOS Cost-Benefit Analyzer

Combine actual technology spend, public ARIVE seat assumptions, an entered Encompass quote, loan volume, processing time, and contract-processing cost. The result separates direct cash costs from the modeled value of loan-officer time.

EDITABLE OPERATING ASSUMPTIONS

Compare technology cost and LO time.

Monthly closed or active filesLoan officersSupport usersActual current monthly tech spendActual Encompass quote or invoiceARIVE originator seat / monthARIVE support seat / monthLO processing hours / fileLO hours retained / file with supportLoaded value of LO hourContract processing cost / fileMonthlyized implementation + add-ons

ARIVE public monthly list prices shown here were verified September 30, 2026 and remain editable. ICE does not publish an Encompass list price; use your actual quote or invoice.

MODELED MONTHLY OPERATING VIEW

ARIVE + PROCESSING VS. ENTERED ENCOMPASS SCENARIO$7,465Additional monthly modeled cost under these assumptions

ESTIMATED TIME REDIRECTED29.1 hrsper week across the modeled team

CURRENT STACK SCENARIO$14,700Actual tech entered: $1,200 · Native LO time value: $13,500

ENCOMPASS QUOTE + NATIVE LO TIME$14,700Entered quote: $1,200 · Native LO time value: $13,500

ARIVE + CONTRACT PROCESSING$22,165Tech: $205 · Processing: $17,910 · Retained LO time: $4,050

ARIVE seat model: $205/mo
Entered Encompass quote: $1,200/mo
Hours redirected monthly: 126.0
ARIVE + processing operating cost: $22,165

Estimates only. Cash cost and the modeled value of time are shown together and should be reviewed separately. Savings and hours depend entirely on user-entered assumptions and are not guaranteed. ARIVE and Encompass serve different operating models; implementation, add-ons, integrations, training, contract minimums, and transaction pricing may apply. Vendor names are used solely for comparison; My Loan Flow is not affiliated with or endorsed by either vendor.

METHOD

What makes an LOS comparison credible?

Use actual invoices and quotes, then add implementation, integrations, training, minimums, add-ons, transaction charges, and the operating value of time. ARIVE and Encompass serve different organization types, so the cheapest modeled stack is not automatically the right operating model.

Primary references

Verify the live rules and assumptions.

Program, regulation, and vendor information can change. Use the current source alongside lender, investor, legal, compliance, and file-level review.

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