specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Encompass
providerId: encompass
created: '2026-07-04'
modified: '2026-07-04'
reconciled: false
tags:
- Mortgage
- Loan Origination
- LOS
- ICE Mortgage Technology
- Ellie Mae
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Encompass Developer Connect spend. Encompass is an enterprise mortgage
  loan origination system from ICE Mortgage Technology (formerly Ellie Mae); API access
  is bundled into the commercial Encompass agreement rather than billed as a public,
  usage-metered API product. There is no self-service per-call price. Cost is therefore
  driven by the underlying Encompass licensing/relationship (typically per-user / per-
  seat and volume-based for loan production) and by ICE Mortgage Technology partner-
  program terms, plus the engineering cost of building and operating integrations. The
  meters below describe the natural business drivers to watch, not published invoice
  line items.
notes: >-
  No public FOCUS-conformant billing feed or per-unit API rate is documented as of the
  review date. Reconcile actual charges against your ICE Mortgage Technology commercial
  agreement. Treat meters as cost-driver signals, not invoiced quantities.
sources:
- https://developer.icemortgagetechnology.com/developer-connect/docs/welcome
- https://www.icemortgagetechnology.com/
- https://focus.finops.org/focus-specification/v1-3/
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: ICE Mortgage Technology
serviceCategory: Software as a Service - Mortgage Loan Origination
billingModel:
  pricingCategory: Committed / Enterprise Agreement
  billingFrequency: Contract
  billingCurrency: USD
  chargeCategories:
  - Purchase
  - Usage
  - Adjustment
focusColumns:
  ServiceName: Encompass Developer Connect
  ServiceCategory: Mortgage Loan Origination
  ProviderName: ICE Mortgage Technology
  PublisherName: ICE Mortgage Technology
  InvoiceIssuerName: ICE Mortgage Technology
  BillingCurrency: USD
  ChargeCategory: Purchase
  PricingCategory: Committed / Enterprise Agreement
meters:
- name: loan_production_volume
  description: Loans originated / closed in Encompass; the primary commercial driver of the underlying LOS agreement.
  unit: loans
  aggregation: sum
  dimensions:
  - instance
  - loanFolder
- name: licensed_users
  description: Encompass users / seats licensed on the instance whose personas can exercise the APIs.
  unit: users
  aggregation: max
  dimensions:
  - instance
- name: api_requests
  description: Developer Connect API calls made against the instance; governed by throttling rather than metered billing.
  unit: requests
  aggregation: sum
  dimensions:
  - instance
  - application
- name: webhook_events
  description: Resource events delivered to webhook subscriptions; operational signal for integration load.
  unit: events
  aggregation: sum
  dimensions:
  - instance
  - subscription
principles:
- name: Visibility
  description: Track loan production volume, licensed users, and API/webhook request load per Encompass instance and integration.
- name: Allocation
  description: Map API client IDs and webhook subscriptions to specific integrations/teams so cost of ownership is attributable.
- name: Optimization
  description: Use webhooks and pipeline cursors instead of polling to reduce request load; retire deprecated v1 integrations; consolidate credentials per persona.
- name: Accountability
  description: Review the Encompass commercial agreement against actual loan volume and seat usage; assign owners for each partner integration.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com