Register on the Encompass Developer Connect portal and generate an API key in the Encompass admin console, linking it to a designated API user with appropriate role-based permissions
Obtain an OAuth 2.0 access token by POSTing your base64-encoded client_id:client_secret to the Encompass token endpoint; tokens are valid for 30 minutes (max 24 hours)
Create a new loan by POST /encompass/v3/loans with a JSON body containing the required loan fields (borrower name, address, loan amount, loan purpose); capture the returned loanId
Update loan fields or pipeline data with PATCH /encompass/v3/loans/{loanId} using a JSON Patch document to modify specific loan field values
Retrieve loan data with GET /encompass/v3/loans/{loanId}?fields=field_id1,field_id2 using Encompass field IDs to limit the response payload
Subscribe to webhook events for loan status changes via the Encompass webhook registration endpoint to receive push notifications rather than polling
Known gotchas
The legacy Encompass SDK was deprecated in October 2025 with a hard deadline of December 31, 2026 to complete migration — any SDK-based integration must be re-platformed to the REST API
Encompass field IDs (numeric, e.g., 1109 for loan amount) are distinct from human-readable labels; use the EDC field reference documentation to map field names to IDs before building queries
Access tokens expire after 30 minutes by default; implement proactive token refresh to avoid mid-workflow authentication failures in long-running loan origination processes
Give your agent this knowledge — and 200+ more routes
One MCP install gives any agent live access to the full route map, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp