Sonar by Simplist review
Sonar by Simplist is a Loan Origination product. MortgageTechReview scores Sonar by Simplist 3.3 out of 5.0, ranking Sonar by Simplist #19 of the 32 products tracked in Loan Origination Software, as of August 11, 2026. Scores on MortgageTechReview are weighted across five axes and are never paid for or influenced by a vendor relationship.
All-in-one platform, out of beta in September 2024 after testing with over 200 mortgage companies. Built by the team behind the Simplist mortgage marketplace. Combines LOS, POS, CRM and pricing engine for brokers. A separate enterprise product called Apex layers AI agents over a lender's existing LOS.
How Sonar by Simplist compares to Encompass
Ranked first in LOSEncompass currently scores highest in LOS, so every other product in the category is compared against it here. That is a ranking on our published rubric rather than a recommendation, and it changes when the scores change. Category Leader
| Axis | Sonar by Simplist | Encompass |
|---|---|---|
| Production impact | 3.3 | 4.9 |
| Functionality & depth | 3.3 | 4.9 |
| Integrations & ecosystem | 3.3 | 4.9 |
| Adoption & support | 3.3 | 4.4 |
| Return on spend | 3.3 | 3.9 |
| Overall | 3.3 | 4.7 |
Sonar by Simplist wins 0 of 5 axes against Encompass, on the weight profile published for this category. Full head-to-head →
Where it wins
- Genuinely unified rather than integrated. POS, LOS, CRM, and PPE share one data model, which eliminates the re-keying that plagues assembled stacks.
- Roughly 4.2 on G2 across 112 reviews, better independent validation than most platforms in the lower half of this list.
- The Apex enterprise model is smart. Sell AI agents to lenders who will not replace their LOS, rather than demand a rip-and-replace.
- SOC 2 Type II certified with end-to-end encryption, which not every young vendor here can claim.
- Built by people who ran a mortgage marketplace, and the workflow reflects operational experience.
Where it falls short
- Young platform. Out of beta less than two years, with a short track record through a full rate cycle.
- The broker platform and the enterprise Apex product are quite different offerings, and the marketing blurs them.
- Small footprint against the established platforms, with a correspondingly limited integration ecosystem.
- No published pricing, custom quote only.
Why it scores 3.3
Scored on the Loan Origination Systems weight profile. The number shows where it sits in this category. It rests on evidence anyone can check, including the vendor's own record. The weights →
