specification: API Commons Rate Limits
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/RateLimits
provider: Encompass
providerId: encompass
created: '2026-07-04'
modified: '2026-07-04'
reconciled: false
tags:
- Mortgage
- Loan Origination
- LOS
- ICE Mortgage Technology
- Rate Limiting
- Quotas
description: >-
  ICE Mortgage Technology enforces throttling on the Encompass Developer Connect APIs,
  but the specific numeric limits are not published on the public reference and are
  governed per Encompass instance / integration. In practice callers should expect
  per-instance request-rate throttling (HTTP 429 with Retry-After), plus resource-lock
  contention on loan writes (Encompass serializes concurrent modifications of the same
  loan via a resource-lock mechanism). Bulk reads should use the Loan Pipeline cursor
  endpoints with pagination rather than tight polling, and event-driven integrations
  should prefer webhooks over polling the pipeline. Deprecated v1 endpoints may carry
  tighter or sunsetting limits than their v3 replacements.
notes: >-
  Exact per-minute / per-day request caps are not documented publicly as of the review
  date; verify current limits with ICE Mortgage Technology for your instance. Values
  below are modeled from documented behavior (429 throttling, resource locks, cursor
  pagination), not published numbers.
sources:
- https://developer.icemortgagetechnology.com/developer-connect/reference/overview-2
- https://developer.icemortgagetechnology.com/developer-connect/reference/loan-pipeline
- https://developer.icemortgagetechnology.com/developer-connect/docs/authentication
responseCodes:
  throttled: 429
limits:
- name: API Request Rate
  scope: instance
  metric: requests
  limit: not published
  notes: Per-instance throttling returns HTTP 429; honor Retry-After and back off.
- name: Loan Write Concurrency
  scope: loan
  metric: concurrent writers
  limit: resource-lock enforced
  notes: Encompass serializes concurrent modifications to the same loan via resource locks.
- name: Pipeline Result Paging
  scope: instance
  metric: rows per request
  limit: cursor/limit governed
  notes: Use loanPipeline cursor + start/limit to page large result sets instead of large single pulls.
- name: Token Lifetime
  scope: application
  metric: access token TTL
  limit: expires_in (short-lived)
  notes: OAuth 2.0 access tokens are short-lived; refresh/re-request before expiry.
policies:
- name: Backoff Strategy
  description: On 429, honor Retry-After and apply exponential backoff with jitter.
- name: Prefer Webhooks Over Polling
  description: Subscribe to resource events (loan.created / updated / deleted / locked / unlocked) instead of polling the pipeline for changes.
- name: Respect Resource Locks
  description: Acquire and release loan resource locks around write operations to avoid contention and lost updates.
- name: Migrate Off v1
  description: Prefer v3 endpoints; deprecated v1 endpoints may be sunset and can carry tighter limits.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com