Encompass (ICE Mortgage Technology) Connection

Connects your agent to Encompass for loan origination data. Read loan details, milestone status, conditions, documents, rate locks, and borrower information. Write operations (update milestone, clear condition) require confirmation.

Authentication

OAuth2 client credentials flow.

• client_id — Encompass API client ID
• client_secret — Encompass API client secret
• instance_id — Your Encompass instance ID
• username — Encompass user (for user-context API calls)
• password — Encompass password

Endpoints

Loans

• POST /encompass/v3/loans/search — Search loans by field criteria (borrower name, status, loan officer)
• GET /encompass/v3/loans/{loanId} — Get loan detail with all fields
• PATCH /encompass/v3/loans/{loanId} — Update loan fields (requires confirmation)

Milestones

• GET /encompass/v3/loans/{loanId}/milestones — Get milestone timeline with dates and status
• PATCH /encompass/v3/loans/{loanId}/milestones/{id} — Update milestone (requires confirmation)

Conditions

• GET /encompass/v3/loans/{loanId}/conditions — List conditions with status, category, and responsibility
• PATCH /encompass/v3/loans/{loanId}/conditions/{id} — Clear or waive condition (requires confirmation)

Documents

• GET /encompass/v3/loans/{loanId}/documents — List documents with status
• GET /encompass/v3/loans/{loanId}/attachments — List file attachments

Rate Locks

• GET /encompass/v3/loans/{loanId}/ratelocks — Get rate lock history and current lock
• POST /encompass/v3/loans/{loanId}/ratelocks — Request rate lock (requires confirmation)

Pipeline

• POST /encompass/v3/loanPipeline — Get pipeline view with custom filters and fields

Rules

• Rate limit: 40 requests/second (Encompass standard)
• Condition clearing and milestone updates always require confirmation
• Rate lock requests require confirmation with rate, term, and lock period
• The agent formats loan amounts as currency and dates as MM/DD/YYYY
• PII fields (SSN, DOB) are never included in agent responses — masked by default