Ellie Mae API
Ellie Mae, now ICE Mortgage Technology, is a cloud mortgage software provider whose flagship Encompass loan origination system powers a large share of U.S. mortgage applications. An API lets you programmatically pull loans, pipeline, fields, documents, and product-and-pricing data—and push updates like new loans, field changes, and compliance and eFolder actions back into Encompass.
What is Ellie Mae?
Ellie Mae, now operating as ICE Mortgage Technology (a subsidiary of Intercontinental Exchange after its 2020 acquisition), is a mortgage software-as-a-service company that automates loan origination, processing, underwriting, and regulatory compliance for residential mortgage lenders. Its flagship Encompass platform is an end-to-end digital lending system of record that lenders use to originate, sell, and purchase loans, supported by a portfolio of compliance, pricing, and customer-engagement products.
Core product families include:
- Encompass (flagship digital lending platform and loan origination system of record)
- Encompass Consumer Connect and TPO Connect (borrower and third-party originator portals)
- AllRegs (online database of government and conventional lending guidelines and reference data)
- Velocify (lead and customer engagement platform)
- Mavent (automated regulatory compliance review) and Total Quality Loan workflows
- Data & Document Automation (Capsilon) for document recognition and eFolder workflows
Common data entities:
- Loans, Applications, Borrowers, Co-borrowers, Loan Fields
- Pipeline Views, Loan Folders, Milestones, Conditions
- Documents, eFolder Attachments, Disclosures, eClose packages
- Product and Pricing results, Rate Locks, Compliance Reviews
- Contacts, Loan Officers, Service Orders, Investor Loans
The Ellie Mae Integration Challenge
Lenders run mission-critical origination workflows on Encompass every day, but turning them into reliable API-driven automation is non-trivial:
- Client-only access: Encompass Developer Connect is intended for licensed Encompass clients, so API access is gated behind your instance, entitlements, and admin configuration
- Loan field model complexity: Encompass exposes thousands of canonical loan fields and custom fields whose IDs and meanings vary by lender configuration
- OAuth and client credential setup: Obtaining API keys, client IDs, and instance scopes requires coordination with ICE and your Encompass administrator
- Concurrency and payload limits: Developer Connect enforces concurrency limits and webhook payload-size constraints that have to be respected at scale
- Milestone and condition logic: Loan progress is driven by milestones, conditions, and business rules that differ across lenders and loan programs
- Document and eFolder handling: Disclosure packages, eFolder attachments, and eClose documents need careful upload, retrieval, and template handling
How Supergood Creates Ellie Mae APIs
Supergood combines authenticated browser flows with Encompass Developer Connect's REST APIs to deliver a resilient, normalized API layer for your Encompass instance—without you having to manage field-level quirks, OAuth refresh, or per-lender configuration drift.
- Handles OAuth client-credentials and user authentication, including MFA, in a managed session
- Maintains session continuity with automatic token refresh and change detection
- Normalizes loan, pipeline, field, and document objects so you integrate once against consistent shapes
- Respects concurrency limits, webhook constraints, and your lender-specific field and entitlement model
Use Ellie Mae with AI agents: Ellie Mae MCP Server →
Getting Started
- Schedule Integration Assessment
Book a 30-minute session to confirm your Encompass instance, modules, and authentication model.
- Supergood Generates and Validates Your API
We deliver a production-ready Ellie Mae adapter tailored to your lender configuration and entitlements.
- Deploy with Monitoring
Go live with continuous monitoring and automatic adjustments as Encompass evolves.
API Endpoints
Authentication
/authenticateAuthenticate to an Encompass instance via OAuth client credentials or user login and obtain an access token for downstream calls.
Loans
/loansRetrieve loans with their field values, borrower data, and milestone status, filtered by loan folder, date, or pipeline criteria.
Loans
/create_loanCreate a new loan in Encompass from an application template and seed initial field values and borrower information.
Loans
/update_loanRead, write, and update field values on a single loan or multiple loans, including custom and canonical fields.
Pipeline
/pipelineQuery the loan pipeline using specific fields and filters to view loan status, milestones, and assignments across the organization.
Documents
/documentsList and download eFolder documents, disclosure packages, and attachments associated with a loan.
Use Cases
Sync loan and pipeline data into your warehouse
- Pull active loans, field values, and milestone status from Encompass into a single data warehouse - Stream pipeline changes to downstream BI, reporting, and analytics tools - Reconcile borrower, co-borrower, and contact records across systems
Automate loan creation and field updates
- Create loans from upstream lead and point-of-sale systems without manual entry - Read, write, and update canonical and custom field values across one or many loans - Trigger milestone advances and condition updates as documents are received
Streamline document and disclosure workflows
- Upload and retrieve eFolder attachments and disclosure packages programmatically - Route eClose and Data & Document Automation outputs to the right loan folder - Track document conditions and clear them as supporting files arrive
Keep compliance and pricing data in sync
- Pull product-and-pricing and rate-lock results into downstream pricing tools - Surface Mavent compliance review outcomes alongside loan records - Reconcile AllRegs guideline references against loan program eligibility
Technical Specifications
Authentication
OAuth client credentials and user login, including MFA, handled in a managed session
Connectivity
Encompass Developer Connect REST APIs plus authenticated browser flows where capabilities aren't exposed via API
Response format
Normalized JSON across Loan, Pipeline, Field, Document, and Pricing objects
Rate limits
Adaptive throttling tuned to Developer Connect concurrency limits to avoid lender-side restrictions
Session management
Automatic token refresh, MFA handling, and credential rotation
Data freshness
Near real-time pulls for loans and pipeline with optional scheduled batch syncs
Security
Encrypted credential vault, scoped access tokens, SOC 2-aligned controls, and audit logging
Webhooks
Event-style callbacks for loan field changes, milestone updates, and document events
Latency
Sub-second reads on cached entities; multi-second writes when posting field and document updates
Throughput
Horizontally scaled workers sized to high-volume origination pipelines
Reliability
Retry, backoff, and idempotency keys for loan creation and field-update transactions
Adaptation
Continuous monitoring of Encompass releases and lender-specific configuration drift
Frequently asked questions
Yes. Encompass Developer Connect is intended for licensed Encompass clients, and Supergood works with your existing instance, entitlements, and authenticated sessions rather than bypassing them.
Encompass exposes thousands of canonical and custom fields whose IDs vary by lender configuration. Supergood profiles your instance and preserves field meanings rather than forcing a generic schema.
Yes. You can create and delete loans, read and update field values on single or multiple loans, search the pipeline, and manage documents and conditions through the normalized API surface.
Yes. Developer Connect supports webhook subscriptions for loan events such as field changes and milestone updates, and Supergood normalizes those callbacks while respecting concurrency and payload limits.
Ellie Mae now operates as ICE Mortgage Technology following its acquisition by Intercontinental Exchange, but the Encompass platform and its developer APIs remain the core of the offering.