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

33.9/100 thin ▬ flat Agent 25/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessEnterpriseSelf serve

1 APIs

Mortgage Loan Origination LOS Fintech ICE Mortgage TechnologyEllie MaeLending

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 33.9/100 · thin

Contract Quality 12.1 / 23

Developer Ergonomics 3.6 / 18

Access Clarity 5.2 / 18

Operational Transparency 4.0 / 12

Contract Governance 0.0 / 11

Discoverability 6.2 / 9

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 25/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. 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. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

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 12

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

API Collection

OPEN COLLECTION

Encompass Developer Connect Authentication API

OPEN COLLECTION

Encompass Developer Connect Authentication Borrower Pairs API

OPEN COLLECTION

Encompass Developer Connect Authentication Conditions API

OPEN COLLECTION

Encompass Developer Connect Authentication Contacts API

OPEN COLLECTION

Encompass Developer Connect Authentication eFolder API

OPEN COLLECTION

Encompass Developer Connect Authentication Loan Management API

OPEN COLLECTION

Encompass Developer Connect Authentication Loan Pipeline API

OPEN COLLECTION

Encompass Developer Connect Authentication Milestones API

OPEN COLLECTION

Encompass Developer Connect Authentication Users API

OPEN COLLECTION

Encompass Developer Connect Authentication Webhooks API

OPEN COLLECTION

Encompass Developer Connect API

OPEN COLLECTION

Scroll for all 12

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

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

Website

Website

Source (apis.yml)

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.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: enterprise
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Enterprise · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  - url: https://www.icemortgagetechnology.com/
    status: 302
    note: declared website redirects to https://mortgagetech.ice.com/index — a different registrable domain (icemortgagetechnology.com
      -> ice.com), possible rename or acquisition (probed 2026-09-03, roadmap#169)
  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: '0.23'
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:
  - User
  tags_raw:
  - 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:
  - Webhook
  tags_raw:
  - 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

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