Collecting upfront fees has always been one of the more tedious parts of the mortgage process. Between following up with borrowers, manually processing payments, and the compliance risks that come with taking card numbers over the phone, it is easy to see why so many lending teams feel like they are constantly playing catch-up. Fee Chaser, combined with its Encompass® integration through Encompass Partner Connect (EPC), offers a cleaner way to handle all of it. But to understand why the integration matters, it helps to first understand what each piece of the puzzle actually does.
What Is Fee Chaser?
Fee Chaser is LenderLogix's payment solution built specifically for mortgage lenders. From within the loan origination system, loan officers can send borrowers a secure, unique payment link via email or SMS with just one click. From there, borrowers can pay appraisal fees, credit report fees, application fees, extended rate lock fees, condo doc fees, and more from any device without needing to download an app or create an account. Once payment is made, everyone receives a receipt and the LOS is updated automatically.
One thing that sets Fee Chaser apart is its flexibility. Lenders can choose to trigger fee requests manually with a single click, or they can build it into an automated workflow so that requests go out at a specific point in the loan process without anyone having to remember to send them. Either way, the borrower experience is the same: a simple, secure link that takes just a few minutes to complete.
What Is EPC and Why Does It Matter?
Encompass Partner Connect, commonly referred to as EPC, is ICE Mortgage Technology's framework for third party integrations with Encompass®. What makes it significant is that it is built on modern, next generation APIs rather than the older SDK based technology that many integrations have historically relied on. ICE has been actively moving its ecosystem toward this API first approach, and integrations built on EPC are considered more stable, more secure, and better positioned for the long term as a result.
For lenders, this distinction is worth paying attention to. An integration built on legacy technology might work today but carry more risk as the underlying infrastructure continues to evolve. An EPC integration is designed to move with the platform rather than against it.
How the Integration Works in Practice
The Fee Chaser and Encompass® integration through EPC means that the entire fee collection process lives inside the workflow your team already uses. Fee requests are initiated directly from within Encompass®, and once a borrower completes their payment, that information is automatically reflected back in the system. There is no manual data entry, no switching between platforms, and no reconciling records at the end of the day.
For lending teams that process a high volume of loans, those small inefficiencies add up fast. Eliminating them through a well built integration is one of those operational improvements that does not always get a lot of attention but makes a real difference over time.
A Few Other Things Worth Knowing
On the compliance side, Fee Chaser is powered by Fiserv and uses tokenization to protect payment data, which helps lenders stay PCI compliant without adding extra steps to their workflow. No one on your team is storing card numbers, and borrowers can feel confident that their financial information is being handled securely from start to finish.
From a revenue standpoint, automating fee collection tends to reduce the number of fees that slip through the cracks. When the process is simple and reminders go out automatically, borrowers are more likely to follow through quickly. That means less time spent on manual follow ups and fewer uncollected fees overall, which is something that adds up meaningfully across a full pipeline.
And from the borrower's perspective, being able to handle a payment from their phone in just a few minutes early in the process sets a positive tone for the rest of the loan. It is a small thing, but it signals that the lender they are working with values their time and has invested in making the experience as easy as possible.
Lenders who have adopted Fee Chaser through the EPC integration generally find that it removes a surprising amount of friction from their day to day operations. It is the kind of improvement that is easy to overlook until you realize how much time was being spent on something that never needed to be manual in the first place.
To learn more or request a demo, visit lenderlogix.com/fee-chaser.
