Tidalwave vs Encompass Consumer Connect
Point of Sale head-to-head · axis by axis, same rubric for both
Tidalwave Tech Inc.
ICE Mortgage Technology
| Axis | Tidalwave | Encompass Consumer Connect |
|---|---|---|
| Production impact | 3.5 | 3.0 |
| Functionality & depth | 3.7 | 2.8 |
| Integrations & ecosystem | 3.4 | 3.8 |
| Adoption & support | 3.2 | 3.1 |
| Return on spend | 3.1 | 3.6 |
| Overall | 3.4 | 3.2 |
Tidalwave wins 3 of 5 axes. Same rubric, same weights, no sponsorships.
What the rubric says
Tidalwave and Encompass Consumer Connect are both scored in Point of Sale. Tidalwave carries an overall of 3.4, Encompass Consumer Connect an overall of 3.2. The widest gap between them is Functionality and depth, at 0.9 of a point. That axis measures whether it handles the messy loans and not just the clean file. Tidalwave takes it, 3.7 to 2.8.
Where the five axes separate
On Functionality and depth the record favours Tidalwave, 3.7 against 2.8. On Return on spend the record favours Encompass Consumer Connect, 3.6 against 3.1. On Production impact the record favours Tidalwave, 3.5 against 3.
Names, because the URL and the brand differ
Encompass Consumer Connect was formerly ICE.
Pricing posture
Tidalwave does not publish pricing. Its listed model is quote only. Encompass Consumer Connect does not publish pricing. Its listed model is quote only, sold within the encompass relationship.
Deployment and who each one targets
Deployment for Tidalwave: Cloud, SOC 2 Type II, direct LOS APIs, white-labeled borrower and loan officer apps. Deployment for Encompass Consumer Connect: Cloud, native to Encompass. Segment focus for Tidalwave: Retail and wholesale lenders replacing manual intake and underwriting prep with AI agents. Segment focus for Encompass Consumer Connect: Encompass lenders who want a POS with no integration project attached. The two entries name different buyers.
What each record credits
Tidalwave: The AI does real work rather than suggesting actions: document processing, error detection, asset analysis. Encompass Consumer Connect: Native to Encompass, so field-mapping and sync work disappear.
What each record holds against them
Tidalwave: Young platform with a short track record and no meaningful independent review data. Encompass Consumer Connect: Useless outside Encompass; it does not survive an LOS change.
Which one fits which shop
Best fit for Tidalwave: Lenders willing to be early adopters in exchange for genuine document automation at intake. Best fit for Encompass Consumer Connect: Encompass shops that value a single vendor and single support line over feature depth.
The short answer
Tidalwave finishes ahead on the published rubric, 3.4 to 3.2. The margin comes mostly from Functionality and depth. Same rubric, same weights, no sponsorships.
Both tools are scored on the same weighted rubric, production impact carries the most weight. Comparisons are never sponsored. Disclosure →