Ellie Mae API
Encompass exposes two REST platforms: Developer Connect for lenders and ISVs, Partner Connect for service providers, both OAuth 2.0 with webhooks. Docs and sandboxes sit behind client and partner logins with entitlement and security review. The legacy .NET SDK hit end of life in October 2025.
Frequently asked questions
Ellie Mae scores F on the API Report Card. Encompass exposes two REST platforms: Developer Connect for lenders and ISVs, Partner Connect for service providers, both OAuth 2.0 with webhooks. Docs and sandboxes sit behind client and partner logins with entitlement and security review. The legacy .NET SDK hit end of life in October 2025.
Without a usable official API, teams fall back on manual exports, file drops, or one-off vendor integrations. The other option is an unofficial API layer like Supergood that automates the authenticated web app directly.
Ellie Mae is the mortgage technology business now operating as ICE Mortgage Technology, a division of Intercontinental Exchange (NYSE: ICE).
Vertical: Financial Services -- specifically U.S. residential mortgage origination. Creating, updating, and retrieving loan files (1003 / URLA application data, borrower demographics, REO, assets, liabilities, employment, income).
10/10 within U.S. mortgage origination. Encompass has been the dominant LOS for over a decade.
Loan files: complete URLA/1003 data, including borrower PII (SSN, DOB, address history), employment, income, assets, liabilities, REO, declarations. Credit reports and tradelines (from Experian, Equifax, TransUnion, Xactus, Factual Data).
Founded 1997 (~29 years old as of 2026). The Encompass core dates to early-2000s .NET / Citrix delivery and a legacy on-prem desktop client (Encompass SmartClient).
Steep learning curve and overwhelming feature set. Slow performance and frequent UI lag, especially under high loan volume. Full sourced list under Sources below.
Common alternatives include Black Knight Empower (now Dark Matter Technologies), MeridianLink Mortgage (LendingQB), Mortgage Cadence (Accenture), OpenClose, Byte Software (Calyx), LendingPad. Graded alternatives appear under "More from the report card" below.
Grades measure one thing: can a customer's engineering team get their own data out programmatically? We check six things (whether a real API exists, how access is gated, data coverage, auth quality, docs and developer experience, and stability) and roll them into a letter grade. Grades get re-verified, and they only move on evidence.
Yes. Supergood maintains an unofficial Ellie Mae API and MCP server so AI agents and internal tools can read and write Ellie Mae data. See the Ellie Mae integration docs at supergood.ai/docs/ellie-mae-api.