Encompass website screenshot

Encompass

Encompass is the dominant mortgage loan origination system (LOS), a product of ICE Mortgage Technology (formerly Ellie Mae, acquired by Intercontinental Exchange / ICE in 2020). Its developer program, Encompass Developer Connect, exposes REST APIs that let partners and lenders configure, customize, and administer loan information and resources programmatically - loan manufacturing, loan pipeline, borrower pairs, contacts, eFolder documents and attachments, milestones, conditions, users, product and pricing, and event webhooks. Access is partner/tenant-gated (OAuth 2.0 credentials issued per Encompass instance by a super administrator), but the API reference is publicly documented at developer.icemortgagetechnology.com.

Encompass publishes 10 APIs on the APIs.io network, including Authentication API, Borrower Pairs API, Conditions API, and 7 more. Tagged areas include Mortgage, Loan Origination, LOS, Fintech, and ICE Mortgage Technology.

Encompass’ developer surface includes authentication, documentation, and 9 more developer resources.

🌐 Visit website 📡 Source on GitHub
36.4/100 thin ▬ flat Agent 34/100 agent aware Full breakdown ↓
scored 2026-07-28 · rubric v0.6
AccessEnterpriseSelf serve
10 APIs
MortgageLoan OriginationLOSFintechICE Mortgage TechnologyEllie MaeLending

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6
Composite quality — 36.4/100 · thin
Contract Quality 14.5 / 25
Developer Ergonomics 3.9 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 4.8 / 13
Governance 0.0 / 12
Discoverability 7.4 / 10
Agent readiness — 34/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 7 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/encompass: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 10

Individual APIs this provider publishes, each with its own machine-readable definition.

Encompass Authentication API

OAuth 2.0 token issuance.

Encompass Borrower Pairs API

Borrower/co-borrower application entities within a loan (modeled).

Encompass Conditions API

Underwriting, preliminary, and post-closing conditions (modeled).

Encompass Contacts API

Borrower (consumer) and business contacts (modeled).

Encompass eFolder API

Documents and attachments in a loan's eFolder.

Encompass Loan Management API

Create, read, update, and delete Encompass loan files and loan data.

Encompass Loan Pipeline API

Search loans and loan fields across the pipeline with cursor pagination.

Encompass Milestones API

Loan workflow milestones and associates (modeled).

Encompass Users API

Internal Encompass user administration (modeled).

Encompass Webhooks API

Event subscriptions, resources, events, and custom auth functions.

Scroll for all 10

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Encompass Developer Connect API

OPEN COLLECTION

Pricing Plans 1

Published pricing tiers and plan structures.

Encompass Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Encompass Rate Limits

4 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Encompass Finops

FINOPS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Encompass Authentication

http/oauth2 · 2 schemes

SECURITY

Encompass Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Encompass Scopes

1 scope · clientCredentials

1 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Encompass Agentic Access

43 operations · 21 acting

43 operations · 21 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication
 OAuthScopes
OAuthScopes

Operate 1

Status, limits, changes, and where to get help

RateLimits
RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans
Plans
 FinOps
FinOps

Company 2

The organization behind the API

LinkedIn
LinkedIn
 Website
Website

Source (apis.yml)

apis.yml Raw ↑ 
aid: encompass
url: https://raw.githubusercontent.com/api-evangelist/encompass/refs/heads/main/apis.yml
name: Encompass
kind: company
description: Encompass is the dominant mortgage loan origination system (LOS), a product of ICE Mortgage Technology (formerly
  Ellie Mae, acquired by Intercontinental Exchange / ICE in 2020). Its developer program, Encompass Developer Connect, exposes
  REST APIs that let partners and lenders configure, customize, and administer loan information and resources programmatically
  - loan manufacturing, loan pipeline, borrower pairs, contacts, eFolder documents and attachments, milestones, conditions,
  users, product and pricing, and event webhooks. Access is partner/tenant-gated (OAuth 2.0 credentials issued per Encompass
  instance by a super administrator), but the API reference is publicly documented at developer.icemortgagetechnology.com.
accessModel:
  pricing: enterprise
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Enterprise · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/encompass.png
tags:
- Mortgage
- Loan Origination
- LOS
- Fintech
- ICE Mortgage Technology
- Ellie Mae
- Lending
created: '2026-07-04'
modified: '2026-07-04'
specificationVersion: '0.19'
apis:
- aid: encompass:encompass-authentication-api
  name: Encompass Authentication API
  description: OAuth 2.0 token issuance.
  humanURL: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-management
  baseURL: https://api.elliemae.com
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/encompass-authentication-api-openapi.yml
  - type: Documentation
    url: https://developer.icemortgagetechnology.com/developer-connect/docs/welcome
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-management
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-pipeline
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/browse-apis
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/efolder-document-1
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/efolder-attachment-1
- aid: encompass:encompass-borrower-pairs-api
  name: Encompass Borrower Pairs API
  description: Borrower/co-borrower application entities within a loan (modeled).
  humanURL: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-management
  baseURL: https://api.elliemae.com
  tags:
  - Borrower Pairs
  properties:
  - type: OpenAPI
    url: openapi/encompass-borrower-pairs-api-openapi.yml
  - type: Documentation
    url: https://developer.icemortgagetechnology.com/developer-connect/docs/welcome
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-management
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-pipeline
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/browse-apis
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/efolder-document-1
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/efolder-attachment-1
- aid: encompass:encompass-conditions-api
  name: Encompass Conditions API
  description: Underwriting, preliminary, and post-closing conditions (modeled).
  humanURL: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-management
  baseURL: https://api.elliemae.com
  tags:
  - Conditions
  properties:
  - type: OpenAPI
    url: openapi/encompass-conditions-api-openapi.yml
  - type: Documentation
    url: https://developer.icemortgagetechnology.com/developer-connect/docs/welcome
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-management
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-pipeline
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/browse-apis
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/efolder-document-1
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/efolder-attachment-1
- aid: encompass:encompass-contacts-api
  name: Encompass Contacts API
  description: Borrower (consumer) and business contacts (modeled).
  humanURL: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-management
  baseURL: https://api.elliemae.com
  tags:
  - Contacts
  properties:
  - type: OpenAPI
    url: openapi/encompass-contacts-api-openapi.yml
  - type: Documentation
    url: https://developer.icemortgagetechnology.com/developer-connect/docs/welcome
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-management
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-pipeline
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/browse-apis
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/efolder-document-1
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/efolder-attachment-1
- aid: encompass:encompass-efolder-api
  name: Encompass eFolder API
  description: Documents and attachments in a loan's eFolder.
  humanURL: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-management
  baseURL: https://api.elliemae.com
  tags:
  - eFolder
  properties:
  - type: OpenAPI
    url: openapi/encompass-efolder-api-openapi.yml
  - type: Documentation
    url: https://developer.icemortgagetechnology.com/developer-connect/docs/welcome
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-management
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-pipeline
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/browse-apis
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/efolder-document-1
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/efolder-attachment-1
- aid: encompass:encompass-loan-management-api
  name: Encompass Loan Management API
  description: Create, read, update, and delete Encompass loan files and loan data.
  humanURL: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-management
  baseURL: https://api.elliemae.com
  tags:
  - Loan Management
  properties:
  - type: OpenAPI
    url: openapi/encompass-loan-management-api-openapi.yml
  - type: Documentation
    url: https://developer.icemortgagetechnology.com/developer-connect/docs/welcome
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-management
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-pipeline
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/browse-apis
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/efolder-document-1
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/efolder-attachment-1
- aid: encompass:encompass-loan-pipeline-api
  name: Encompass Loan Pipeline API
  description: Search loans and loan fields across the pipeline with cursor pagination.
  humanURL: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-management
  baseURL: https://api.elliemae.com
  tags:
  - Loan Pipeline
  properties:
  - type: OpenAPI
    url: openapi/encompass-loan-pipeline-api-openapi.yml
  - type: Documentation
    url: https://developer.icemortgagetechnology.com/developer-connect/docs/welcome
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-management
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-pipeline
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/browse-apis
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/efolder-document-1
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/efolder-attachment-1
- aid: encompass:encompass-milestones-api
  name: Encompass Milestones API
  description: Loan workflow milestones and associates (modeled).
  humanURL: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-management
  baseURL: https://api.elliemae.com
  tags:
  - Milestones
  properties:
  - type: OpenAPI
    url: openapi/encompass-milestones-api-openapi.yml
  - type: Documentation
    url: https://developer.icemortgagetechnology.com/developer-connect/docs/welcome
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-management
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-pipeline
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/browse-apis
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/efolder-document-1
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/efolder-attachment-1
- aid: encompass:encompass-users-api
  name: Encompass Users API
  description: Internal Encompass user administration (modeled).
  humanURL: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-management
  baseURL: https://api.elliemae.com
  tags:
  - Users
  properties:
  - type: OpenAPI
    url: openapi/encompass-users-api-openapi.yml
  - type: Documentation
    url: https://developer.icemortgagetechnology.com/developer-connect/docs/welcome
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-management
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-pipeline
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/browse-apis
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/efolder-document-1
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/efolder-attachment-1
- aid: encompass:encompass-webhooks-api
  name: Encompass Webhooks API
  description: Event subscriptions, resources, events, and custom auth functions.
  humanURL: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-management
  baseURL: https://api.elliemae.com
  tags:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/encompass-webhooks-api-openapi.yml
  - type: Documentation
    url: https://developer.icemortgagetechnology.com/developer-connect/docs/welcome
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-management
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/loan-pipeline
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/browse-apis
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/efolder-document-1
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference/efolder-attachment-1
common:
- type: AgenticAccess
  url: agentic-access/encompass-agentic-access.yml
- type: DomainSecurity
  url: security/encompass-domain-security.yml
- type: Authentication
  url: authentication/encompass-authentication.yml
- type: OAuthScopes
  url: scopes/encompass-scopes.yml
- type: GitHubOrganization
  url: https://github.com/api-evangelist/encompass-developer-connect
- type: LinkedIn
  url: https://www.linkedin.com/showcase/ice-mortgage-technology/
- type: Website
  url: https://www.icemortgagetechnology.com/
- type: Documentation
  url: https://developer.icemortgagetechnology.com/developer-connect/docs/welcome
- type: Plans
  url: plans/encompass-plans-pricing.yml
- type: RateLimits
  url: rate-limits/encompass-rate-limits.yml
- type: FinOps
  url: finops/encompass-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com