Instantly verify insurance

Save 45+ minutes by automatically clearing HOI conditions before they ever hit an underwriter’s desk

Cut ~$70 per loan¹ and the endless back-and-forth by verifying HOI, clearing conditions, and updating mortgagee clauses automatically
Reduce customer friction by giving them the option for a quick policy lookup and falling back to a login or dec page when needed
Validate every policy against GSE guidelines, including the new replacement cost and wind rules, plus your investor and state overlays

See it inside Encompass · about 4 minutes

[1] Based on a top national lender’s internal time study of manual HOI review: 50 mins at $1.50/min.

How it works in Encompass

01

Condition lands from DU / LPA

The processor imports underwriting findings. The HOI condition is added to the loan like any other.

02

Axle orders automatically

An Encompass rule fires and opens Axle inside the condition: quick policy lookup first, with login or dec page upload as the fallback.

03

Validated and cleared

Coverage is checked against GSE rules and your overlays, the mortgagee clause is updated, and the condition is ready to clear.

See it from the processor’s chair.

One loan, from imported condition to cleared, inside Encompass.

Interactive demo. Loan and borrower data are fictional.

Dana Rivera

Senior Loan Processor

“I spend more time on hold with insurance agents than processing the loan.”

Meet the persona

HOI is the condition that stalls Dana’s loans.

Dana runs 40+ loans in Encompass. Most conditions clear in a few clicks. Hazard insurance takes days of chasing agents.

~50 minof manual review per loan¹

~$70in processor time per loan¹

Today, without Axle

Chase the borrowerfor their carrier and agent
Wait on holdto walk the agent through requirements
Re-key the dec pageinto Encompass by hand
Start overwhen coverage misses GSE rules

Now see the same condition with Axle.

[1] Based on a top national lender’s internal time study of manual HOI review: 50 mins at $1.50/min.

Dana Rivera

Senior Loan Processor

“That’s the first HOI condition I’ve cleared without picking up the phone.”

Demo complete

HOI cleared in minutes, not days.

This loan, start to finish

Dana’s HOI condition, before and after

Without Axle

Days of back-and-forth to find the agent
Hours on hold walking through requirements
Dec page re-keyed into Encompass by hand
Coverage gaps caught late, closing slips

With Axle

Ordered automatically when the condition lands
Zero insurance agent calls
10 fields written to Encompass automatically
Validated against GSE guidelines up front

What it means for the lender

Monthly loan volume

1,000

Every processor gets 45+ minutes back on each loan, so the same team clears more conditions per day and moves more applications to Clear to Close.

processor hours back each month¹

operational savings each month¹

operational savings each year¹

Lower cost per loan~$70 back per loan by verifying HOI, clearing conditions and updating mortgagee clauses automatically.

Faster time to closeHOI conditions clear before they reach an underwriter’s desk, so fewer loans stall late.

Less riskEvery policy validated against GSE guidelines, including replacement cost and wind rules.

[1] Estimates use ~$70 and 45 minutes per loan, based on a top national lender’s internal time study of manual HOI review: 50 mins at $1.50/min.

#4471829 Nihar Nanavaty