TeardownsMay 14, 2026 · 6 min read

Born vs. bolted-on: a field guide

By the Loanboxd team

Ask where the loan lives. If the answer is “which Encompass screen?”, it was bolted on.

Ask what happens at the handoff to MSP. If the answer involves an export file, you’re paying the re-keying tax — even when one company (ICE) owns both ends.

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