# Encompass

**Canonical:** https://apis.io/providers/encompass/  
**Website:** https://www.icemortgagetechnology.com/  
**APIs profiled:** 10

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.

## Kin Score — 34.8 / 100 (thin)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 34.8).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 55.4 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 34.2 |
| Developer Ergonomics | 16.7 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

## Agent readiness — 32.1 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | partial |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Enterprise · Self-serve signup — onboarding: self-serve, pricing: enterprise, trial: no (confidence: high).

## APIs (10)

- **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.

## Agentic access (1)

- **Encompass Agentic Access** — 43 operations · 21 acting

## Security (2)

- **Encompass Authentication** — http/oauth2 · 2 schemes
- **Encompass Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Encompass Plans Pricing**

## Tags

Mortgage, Loan Origination, LOS, Fintech, ICE Mortgage Technology, Ellie Mae, Lending

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/encompass/). Scores are computed from the provider's own public artifacts under a published rubric.