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FousEncompass TPO Connect

Track every lender's TPO Connect pipeline from your code

Read the Pipeline, a loan's Conditions and its Loan Documents on each lender's TPO Connect site with one API call. Or have a workflow check every lender's pipeline each morning and email you the loans whose Loan Status or Lock Status moved.

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Works with your own Encompass TPO Connect account. Fous is an independent product.

What you can build on TPO Connect

  • Get the loan pipeline

    Build this

    Reads the Pipeline on one lender's TPO Connect site: each loan with its Loan Status and Lock Status, optionally filtered by status.

    Takes
    Lender site address, loan status (optional)
    Returns
    Loan number, borrower, loan status, lock status

  • Read a loan's conditions

    Build this

    Opens one loan and reads the Conditions page: each condition with its description and the documents assigned to it.

    Takes
    Lender site address, loan number
    Returns
    Loan number, loan status, condition, description, assigned documents

  • List a loan's documents by folder

    Build this

    Opens Loan Documents for one loan and lists every folder and the documents uploaded to it, such as the lock confirmation.

    Takes
    Lender site address, loan number, folder (optional)
    Returns
    Loan number, folder, document name

  • Upload condition documents and re-submit

    Build this

    Uploads documents to the Unassigned bucket in Loan Documents for one loan, then selects Re-Submit Loan once.

    Takes
    Lender site address, loan number, documents (PDF)
    Returns
    Loan number, documents uploaded

Automate TPO Connect with a workflow

A workflow runs your methods as one process, with nobody at the screen. A schedule or a call from your own system starts it, the steps run in order, and the result arrives in your inbox or in the systems you already use.

  • Loan status changes across all your lenders

    Build this
    Starts
    Every weekday at 7:00
    Step 1
    For each lender site you name, get the loan pipeline.
    Step 2
    Keep the loans whose Loan Status or Lock Status changed since the last run.
    Step 3
    Email you the list, one section per lender.

  • Confirmed locks, posted to your loan origination system

    Build this
    Starts
    Every hour
    Step 1
    For each lender site, get the loan pipeline and keep the loans whose Lock Status is Locked.
    Step 2
    Keep the loans that were not Locked on the last run.
    Step 3
    Post loan number, lender site, borrower and Lock Status to your webhook.

  • Conditions on loans in Condition Review

    Build this
    Starts
    Every weekday at 8:00
    Step 1
    For each lender site, get the pipeline loans in a status you name, such as Condition Review.
    Step 2
    For each of those loans, read its conditions.
    Step 3
    Group the conditions by lender and loan, and email you the summary.

You can run a workflow by hand on every plan, Free included. Schedules and webhook triggers come with the paid plans, from $29 a month.

Once built, one call from your code

Once you have built a method, it is one POST to /v1/runs from your backend, or a tool an AI agent calls over MCP. This is what “Get the loan pipeline” would look like.

Example request
curl https://api.fous.com/v1/runs \
  -H "Authorization: Bearer $FOUS_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "method": "encompasstpoconnect.com/get_loan_pipeline",
    "input": {
      "lender_site": "acme-wholesale",
      "loan_status": "Condition Review"
    }
  }'
Example response
{
  "status": "completed",
  "data": {
    "lender_site": "acme-wholesale",
    "loans": [
      {
        "loan_number": "2611048",
        "borrower": "Jordan Example",
        "loan_status": "Condition Review",
        "lock_status": "Locked"
      },
      {
        "loan_number": "2611093",
        "borrower": "Alex Placeholder",
        "loan_status": "Condition Review",
        "lock_status": "Lock Requested"
      }
    ],
    "count": 2
  }
}

An example with invented data, not a ready-made endpoint. The method exists in your organization once you build it, and its name, inputs and fields follow your request.

TPO Connect’s own options

ICE documents its APIs and TPO Connect plugins for the lender that runs Encompass: the API key goes to that lender's Encompass super administrator. ICE's documentation describes no API for the brokers and correspondents who sign in to a lender's TPO Connect site. They work in each lender's site by hand.

OptionWhat it coversWhat it takes
Encompass Developer Connect APIsApplications built on the lender's own Encompass instance.An API key (Client ID and Client Secret) that only an Encompass user with the super administrator persona can get and share.
TPO Connect plugins and client applicationsWeb apps a lender hosts inside its TPO Connect site, which receive the signed-in TPO user and loan context.Built by the lender, served over HTTPS and loaded with ICE's scripting guest library.
TPO Connect by handPipeline, lock requests, Loan Documents, Conditions and Re-Submit Loan, one lender's site at a time.A user account on each lender's site, set up by that lender or your company's TPO Manager.

Read on November 12, 2026: Encompass TPO Connect Client Application Integration Guide, Get an API key, Encompass TPO Connect product page.

Signing in to TPO Connect

Each lender's TPO Connect site has its own sign-in: your Username, Continue, then your password. A lender can instead sign its brokers in through its own SAML identity provider, where that lender sets any MFA rules. With Fous you sign in once to each lender's site with your own account, the login is sealed with AES-256, and where the site asks for a username and password alone, an expired session is signed back in.

Worth knowing

One site and one login per lender
Each wholesale or correspondent lender runs its own branded TPO Connect site with its own pages and statuses. Users are added by that lender or by your company's TPO Manager, so a method takes the lender's site as an input.
Leave the file after a lock request
A lender's lock guide asks you to exit the loan after requesting a lock: the Lock Desk cannot process the request while another user is in the file. Lock Status reads Lock Requested, then Locked.
The lock confirmation arrives as a document
Once a lock is accepted, the lock confirmation is uploaded to the loan's documents, for example in a Secondary Marketing Lock Confirmation folder. Reading that folder tells you the confirmation is there.
Re-Submit Loan once, after all uploads
Condition documents go to a folder in Loan Documents or to the Unassigned bucket, and the loan goes back to the lender only when you select Re-Submit Loan. A lender's guide says to select it once, after every upload.

More in Finance: mortgage and title

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Frequently asked questions

Not for brokers and correspondents. ICE's APIs and TPO Connect plugins are for the lender that runs Encompass, and the API key goes to that lender's Encompass super administrator. A TPO signing in to a lender's site uses the site itself, one lender at a time.

Not inside TPO Connect, where every lender has its own site and login. With Fous, a workflow you build can loop over your lenders' sites, get each pipeline and email you one list, or post it to your own system by webhook.

Watch the loan's Lock Status. In a lender's lock guide it reads Lock Requested while the Lock Desk works on the request and Locked once it is accepted, and the lock confirmation is then uploaded to a Secondary Marketing Lock Confirmation folder in the loan's documents.

Not always. Loan Documents has an Unassigned bucket for documents you upload without a condition, and you can also open Conditions and submit documents against each condition. Either way, a lender's guide says to select Re-Submit Loan once, after every upload.

No. Fous is an independent product. You use it with your own account on each lender's TPO Connect site, and a method reads and does only what that account can.

Put Encompass TPO Connect behind an API call

Describe one job in Studio and see the method it builds, with 100 credits a month and no credit card, or book a demo and bring the sites your team signs in to.

Start building freeBook a demo

Read nextAppraisalPortMercury NetworkUniform Collateral Data PortalUSPTO Trademark CenterHow methods workHow workflows run

Fous is an independent product: it is not affiliated with, endorsed by or sponsored by the operator of Encompass TPO Connect (ICE Mortgage Technology). The name is used only to say which system this page is about. Something here wrong or out of date? Write to legal@fous.com.