Summary and recommendation
Encompass supports native SCIM 2.0 provisioning, but only for Enterprise customers with custom pricing and Developer Connect access. This creates a significant barrier for organizations on lower-tier plans who need automated user provisioning for their mortgage origination platform. The requirement for Developer Connect adds technical complexity, and the Enterprise-only availability means substantial cost increases for teams that simply need basic provisioning automation.
This creates a problematic gap for IT teams managing Encompass access. Without SCIM, administrators must manually provision and deprovision users in a platform that handles sensitive financial data and regulatory compliance requirements. Manual processes increase security risks in an industry where data governance and audit trails are critical. SSO alone doesn't solve the lifecycle management challenge - you still need human intervention for every hire, role change, and termination.
The strategic alternative
Encompass gates SCIM behind Enterprise. That can unlock provisioning, but it still does not complete the offboarding, access review, or license workflow across the rest of your stack. Stitchflow builds and maintains the IT workflows your team still runs manually, across every app, including the ones without APIs.
Quick SCIM facts
| SCIM available? | Yes |
| SCIM tier required | Enterprise |
| SSO required first? | No |
| SSO available? | Yes |
| SSO protocol | SAML 2.0 |
| Documentation | Not available |
Supported identity providers
| IdP | SSO | SCIM | Notes |
|---|---|---|---|
| Okta | ✓ | ✓ | OIN app with full provisioning |
| Microsoft Entra ID | ✓ | ✓ | Gallery app with SCIM |
| Google Workspace | ✓ | JIT only | SAML SSO with just-in-time provisioning |
| OneLogin | ✓ | ✓ | Supported |
The cost of not automating
Without SCIM (or an alternative like Stitchflow), your IT team manages Encompass accounts manually. Here's what that costs:
The Encompass pricing problem
Encompass gates SCIM provisioning behind premium plans, forcing significant cost increases for basic user management.
Tier comparison
| Plan | Price | SSO | SCIM |
|---|---|---|---|
| Standard | Contact for pricing | ||
| Enterprise | Custom (subscription-based) |
Plan Structure
| Plan | Price | SCIM |
|---|---|---|
| Standard | Contact for pricing | ❌ |
| Enterprise | Custom (subscription-based) | ✓ |
Note: SCIM is available for both Encompass and DDA products through the same Developer Connect integration, supporting cross-product provisioning via Global User ID (GUID).
What this means in practice
Enterprise pricing is entirely custom and subscription-based, making cost analysis challenging without direct engagement with ICE Mortgage Technology sales. However, industry patterns suggest significant increases:
The lack of transparent pricing means IT teams must invest significant time in sales cycles just to understand SCIM costs.
Additional constraints
Summary of challenges
- Encompass supports SCIM but only at Enterprise tier (Custom (subscription-based))
- Google Workspace users get JIT provisioning only, not full SCIM
- Our research shows teams manually provisioning this app spend significant hidden costs annually
What the upgrade actually includes
Encompass doesn't sell SCIM standalone. It's part of their Enterprise offering with custom subscription pricing:
Stitchflow Insight
The challenge: Encompass Enterprise is designed for large mortgage operations with complex workflows across multiple ICE products. If you just need automated user provisioning for your loan origination team, you're paying enterprise prices for mortgage industry features most IT teams will never configure. We estimate ~80% of Encompass Enterprise capabilities are irrelevant for organizations that simply want SCIM provisioning.
What IT admins are saying
Community sentiment on Encompass's native SCIM implementation is mixed, with frustration centered on complexity and enterprise gatekeeping. Common complaints:
- SCIM requires Developer Connect access, adding another layer of complexity
- Enterprise-only availability with opaque custom pricing
- Limited documentation compared to other mortgage platforms
- Cross-product provisioning complications despite Global User ID support
Getting SCIM working with Encompass requires jumping through hoops with their Developer Connect program. It's not plug-and-play like other apps.
The custom enterprise pricing makes it impossible to budget for SCIM without going through a lengthy sales process. We just want automated user management.
The recurring theme
Encompass treats SCIM as an enterprise add-on rather than a standard identity feature, creating barriers for organizations that need automated provisioning without enterprise complexity.
The decision
| Your Situation | Recommendation |
|---|---|
| Need SCIM but not on Enterprise plan | Use Stitchflow: avoid the custom Enterprise pricing negotiation |
| On Enterprise but SCIM setup is complex | Use Stitchflow: skip Developer Connect access requirements |
| Small mortgage operation, low user churn | Manual may work: but monitor for compliance gaps |
| Already on Enterprise with Developer Connect | Use native SCIM: you have the infrastructure in place |
| Need multi-product provisioning (Encompass + DDA) | Evaluate both: native supports cross-product with GUID |
The bottom line
Encompass gates SCIM behind Enterprise. The upgrade may unlock provisioning, but the workflow still has to complete across the rest of your stack.
Close the Encompass workflow gap
Encompass gates SCIM behind Enterprise, but the bigger issue is the workflow around it. Stitchflow builds and maintains the offboarding, access review, or license workflow underneath.
Technical specifications
SCIM Version
2.0
Supported Operations
Create, Update, Deactivate, Groups
Supported Attributes
Not specifiedPlan requirement
Enterprise
Prerequisites
None
Key limitations
- SCIM available for Encompass and DDA products
- Requires Developer Connect access
- Cross-product SSO supported via Global User ID (GUID)
- Enterprise-focused custom pricing
- SDK transition deadline extended to December 31, 2026
Documentation not available.
Close the workflow gap in
Encompass
Encompass gates SCIM behind Enterprise plan. That can unlock provisioning, but it still does not complete the offboarding, access review, or license workflow across your stack.
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