Encompass CDI Platform vs. Kortical

Encompass is great for pre-qualifications since you can play with the numbers but it's not user friendly when filling out separate program documents. I have different forms to fill out for VA vs Conventional and it's hard to remember if I'm missing any.

Incentivized

Kortical is really widely applicable to many use cases, although it doesn't handle images or video it is great to help you build really great ML models without needing to plan ahead what you are going to try, you let the platform build you the best model. It is suited to beginner and more advanced data scientists as you can edit the code to narrow the search space which makes model creation more you build it without AutoML. Hosting the model behind an API that is ready to go is great as it saves so much time vs doing that dev work from scratch

• Alerts - those are great when you forget to do something
• Branch Resource Center - shows you what is missing as well
• Top banner - showing the loan in a snapshot

Incentivized

• The NLP models results were much better than the ones that we did outside of the platform.
• It is really easy and quick to build a good model with a lot of the manual boring tasks all done automatically like one hot encoding, etc.
• Kortical shows the features and their importance for any model type as part of the platform which is great for understanding the models.

• For VA loans - it would be great if those forms were completely separate or in a folder
• Have the fico score at the top of the banner (snapshot of loan)
• 2015 - remind us when a possible fee is missing

Incentivized

• It would be ideal to have Jupyter built into the platform, they say it is coming.
• Also while it is easy to use, at the start it would have been helpful to have more help guides.

Their support is great as we use Slack and we have our own channel and they always respond really quickly. Data Science support is available to help unblock you as well as dev support as we're setting up the data feeds. It would be great if there were more FAQ or self-help guides in the platform but the personal touch is also really appreciated and probably gets us there quicker anyway.

I can't remember if Calyx Point was better then Encompass because I haven't used it in over 10 years. I selected Encompass because the company uses it.

Incentivized

• ROI is great as what we would spend on compute we get the AutoML for essentially the same price so it is cost neutral as Kortical comes with compute built-in.
• The results mean that we can automate so much more than our previous model so that is key to the positive ROI.
• The platform auto trains new models and lets us know when there is a better model so it has saved a lot of time so we can focus on new business problems to solve with ML.