Black Knight (Acquired by ICE — Now ICE Mortgage Technology)

aid: black-knight
url: https://raw.githubusercontent.com/api-evangelist/black-knight/refs/heads/main/apis.yml
name: Black Knight (Acquired by ICE — Now ICE Mortgage Technology)
description: 'Black Knight, Inc. was a Jacksonville-based mortgage technology and data provider whose core franchises were
  MSP (the dominant US loan-servicing platform), LoanSphere (default, document, and decisioning suites), Empower LOS (mid-market
  loan origination), and the Optimal Blue secondary marketing / product-and-pricing engine. Intercontinental Exchange (NYSE:
  ICE) acquired Black Knight in September 2023 for approximately $11.7B (down from the originally-announced $13.1B in May
  2022) after divesting Optimal Blue to Constellation Software''s Perseus Operating Group as a condition of FTC clearance.
  Black Knight''s product lines now sit inside ICE Mortgage Technology alongside Encompass (the ex-Ellie Mae LOS). The blackknightinc.com
  domain redirects to mortgagetech.ice.com, and developer surfaces have migrated to developer.ice.com (MSP DX APIs, Servicing
  Vault, Loss Mitigation, Payoffs, Promise To Pay) and developer.icemortgagetechnology.com (Encompass Developer Connect).
  Optimal Blue''s APIs are now hosted at digitalmarketplace.optimalblue.com under independent Constellation Software ownership.
  This profile documents the API surfaces as they existed under Black Knight and tracks the post-acquisition fate of each
  product line.'
tags:
- Mortgage Technology
- Loan Servicing
- Loan Origination
- Secondary Marketing
- Default Management
- Investor Reporting
- Product Pricing Engine
- Real Estate Data
- FinTech
- Acquired Company
- ICE Mortgage Technology
type: Index
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
created: '2026-05-23'
modified: '2026-05-23'
specificationVersion: '0.19'
apis:
- aid: black-knight:msp-dx
  name: MSP DX (Direct Exchange) APIs
  description: MSP (Mortgage Servicing Platform) was Black Knight's flagship product — the mainframe-rooted system of record
    that services the majority of US first-mortgage loans. MSP DX (Direct Exchange) is the REST API surface around MSP, covering
    loan boarding, customer service, escrow, payments, payoffs, default management, loss mitigation, investor reporting, and
    stop-advance / ownership-transfer activities. Now hosted at developer.ice.com under "Mortgage Servicing" with subcategories
    including Collections, Customer Service, Invoicing, Loss Mitigation, MSP DX, Payoffs, Servicing Digital, Servicing Vault,
    and SIAM.
  humanURL: https://developer.ice.com/mortgage-servicing/catalog
  tags:
  - Loan Servicing
  - MSP
  - Default Management
  - Investor Reporting
  - Escrow
  - Payments
  properties:
  - type: DeveloperPortal
    url: https://developer.ice.com/mortgage-servicing/catalog
  - type: Documentation
    url: https://developer.ice.com/mortgage-servicing
  - type: Authentication
    url: https://developer.ice.com
    title: OAuth 2.0 (ICE federated identity)
  - type: JSONSchema
    url: json-schema/msp-loan-schema.json
  - type: JSONSchema
    url: json-schema/msp-escrow-schema.json
  - type: JSONSchema
    url: json-schema/msp-payment-schema.json
  - type: JSONStructure
    url: json-structure/msp-loan-structure.json
  - type: Examples
    url: examples/msp-loan-example.json
  - type: Examples
    url: examples/msp-payment-example.json
- aid: black-knight:servicing-digital
  name: Servicing Digital / Promise To Pay APIs
  description: Borrower-facing servicing capabilities including the Promise To Pay API, which enables clients to document
    borrower payment promises along with reason codes, supporting collection workflows. Originally a Black Knight Servicing
    Digital product, now in the ICE Mortgage Servicing catalog.
  humanURL: https://developer.ice.com/mortgage-servicing/catalog
  tags:
  - Loan Servicing
  - Collections
  - Borrower Engagement
  properties:
  - type: Documentation
    url: https://developer.ice.com/mortgage-servicing/catalog
  - type: JSONSchema
    url: json-schema/servicing-promise-to-pay-schema.json
  - type: Examples
    url: examples/servicing-promise-to-pay-example.json
- aid: black-knight:loansphere
  name: LoanSphere Default, Document & Decisioning Suite
  description: LoanSphere was Black Knight's umbrella brand for default management (foreclosure, bankruptcy, loss-mitigation
    case management), document services (eClosing, eVault, eRecording via Simplifile/DocVerify which Black Knight acquired
    in 2019), and decisioning analytics. Most LoanSphere capabilities have been folded into ICE Mortgage Technology's servicing
    and origination catalogs; legacy LoanSphere endpoints were never broadly exposed as a public developer API, integrations
    have always been partner-gated.
  humanURL: https://mortgagetech.ice.com
  tags:
  - Default Management
  - Document Services
  - eClosing
  - eVault
  - Decisioning
  properties:
  - type: Documentation
    url: https://mortgagetech.ice.com
  - type: Status
    url: https://mortgagetech.ice.com
    title: Folded into ICE Mortgage Technology — no public dev portal
- aid: black-knight:empower-los
  name: Empower LOS APIs
  description: Empower was Black Knight's mid-to-enterprise loan origination system. After the ICE acquisition, Empower coexists
    with ICE's larger Encompass LOS (from the 2020 Ellie Mae acquisition). Empower API access has historically been partner-gated
    and is not publicly documented; new integrations are steered toward Encompass Developer Connect.
  humanURL: https://mortgagetech.ice.com
  tags:
  - Loan Origination
  - LOS
  - Empower
  properties:
  - type: Documentation
    url: https://mortgagetech.ice.com
  - type: Status
    url: https://mortgagetech.ice.com
    title: Coexists with Encompass — partner-gated, no public API portal
- aid: black-knight:encompass-developer-connect
  name: Encompass Developer Connect (sibling product under ICE)
  description: Although Encompass came to ICE via the 2020 Ellie Mae acquisition (not Black Knight), it is now the canonical
    LOS API surface under ICE Mortgage Technology and effectively supersedes the Empower public-API roadmap. Encompass Developer
    Connect exposes ~16 resource categories — Loans, Pipeline, Contacts, eFolder, Encompass Docs, Loan Verifications, Loan
    Tracking, Secondary Marketing, Services, Settings, Webhooks, Workflow, Custom Data Objects, Document Delivery, Loan Funding,
    Calculators — over OAuth 2.0 at api.elliemae.com.
  humanURL: https://developer.icemortgagetechnology.com/developer-connect
  baseURL: https://api.elliemae.com
  tags:
  - Loan Origination
  - LOS
  - Encompass
  - Webhooks
  properties:
  - type: DeveloperPortal
    url: https://developer.icemortgagetechnology.com/developer-connect
  - type: APIReference
    url: https://developer.icemortgagetechnology.com/developer-connect/reference
  - type: Postman
    url: https://help.icemortgagetechnology.com/documentation/developer-connect/postman/Encompass_Developer_Connect_postman_collection.json
  - type: Authentication
    url: https://developer.icemortgagetechnology.com/developer-connect
    title: OAuth 2.0 (API Key + Access Token, ISV Partner, SAML SSO, MFA)
  - type: ChangeLog
    url: https://developer.icemortgagetechnology.com/developer-connect/changelog/254-major-release
- aid: black-knight:optimal-blue-ppe
  name: Optimal Blue Product & Pricing APIs (divested to Constellation)
  description: Optimal Blue's Product & Pricing Engine (PPE) generates eligible products and pricing for any user in any format
    and automates loan creation, locking, post-lock management, and secondary / lock-desk workflows. Originally acquired by
    Black Knight in 2020, Optimal Blue was divested to Constellation Software's Perseus Operating Group in September 2023
    as a condition of FTC clearance for the ICE / Black Knight deal. APIs now live at digitalmarketplace.optimalblue.com under
    OAuth 2.0, with claimed search-request averages under 1 second across "millions of calls daily."
  humanURL: https://digitalmarketplace.optimalblue.com
  tags:
  - Secondary Marketing
  - Product Pricing Engine
  - Rate Lock
  - Optimal Blue
  - Divested
  properties:
  - type: DeveloperPortal
    url: https://digitalmarketplace.optimalblue.com
  - type: Documentation
    url: https://www2.optimalblue.com/api
  - type: Authentication
    url: https://www2.optimalblue.com/api
    title: OAuth 2.0 with token-based access
  - type: JSONSchema
    url: json-schema/optimal-blue-pricing-schema.json
  - type: JSONSchema
    url: json-schema/optimal-blue-lock-schema.json
  - type: Examples
    url: examples/optimal-blue-pricing-example.json
  - type: Examples
    url: examples/optimal-blue-lock-example.json
- aid: black-knight:optimal-blue-trading
  name: Optimal Blue Loan Trading APIs (Resitrader)
  description: Workflow and data APIs for the Resitrader loan-trading application — execute trades, manage data modules, centralize
    trading operations. Now operated by Optimal Blue under Constellation Software ownership.
  humanURL: https://digitalmarketplace.optimalblue.com
  tags:
  - Loan Trading
  - Resitrader
  - Secondary Marketing
  properties:
  - type: DeveloperPortal
    url: https://digitalmarketplace.optimalblue.com
  - type: Documentation
    url: https://www2.optimalblue.com/api
- aid: black-knight:optimal-blue-investor-solutions
  name: Optimal Blue Investor Solutions APIs
  description: Automated workflows, originator data, and compliance checks for investors buying loans on the secondary market.
  humanURL: https://digitalmarketplace.optimalblue.com
  tags:
  - Investor Solutions
  - Compliance
  - Secondary Marketing
  properties:
  - type: DeveloperPortal
    url: https://digitalmarketplace.optimalblue.com
- aid: black-knight:optimal-blue-business-intelligence
  name: Optimal Blue Business Intelligence APIs
  description: Data tools including 16 Mortgage Market Rate Indices, integrable into dashboards. Successor to Black Knight's
    Originations Market Monitor and Mortgage Monitor data products at the API level.
  humanURL: https://digitalmarketplace.optimalblue.com
  tags:
  - Business Intelligence
  - Market Data
  - Rate Indices
  properties:
  - type: DeveloperPortal
    url: https://digitalmarketplace.optimalblue.com
- aid: black-knight:optimal-blue-broker-pricing
  name: Optimal Blue Broker Pricing APIs (Loansifter)
  description: Loansifter is the turnkey PPE for mortgage brokers — generate and display eligible products and pricing across
    borrower scenarios. Originally a Black Knight (via Optimal Blue) product, now under Constellation Software.
  humanURL: https://digitalmarketplace.optimalblue.com
  tags:
  - Broker Pricing
  - Loansifter
  - Product Pricing Engine
  properties:
  - type: DeveloperPortal
    url: https://digitalmarketplace.optimalblue.com
common:
- type: Website
  url: https://mortgagetech.ice.com
  title: Successor site (blackknightinc.com redirects here)
- type: LegacyWebsite
  url: https://www.blackknightinc.com
  title: 302-redirects to mortgagetech.ice.com
- type: ParentCompany
  url: https://www.ice.com
  title: Intercontinental Exchange (NYSE ICE) — acquired Sept 2023
- type: DeveloperPortal
  url: https://developer.ice.com
  title: ICE Developer Portal (Mortgage Servicing, Fixed Income & Data Services)
- type: DeveloperPortal
  url: https://developer.icemortgagetechnology.com
  title: ICE Mortgage Technology Developer Portal (Encompass Developer Connect)
- type: DeveloperPortal
  url: https://digitalmarketplace.optimalblue.com
  title: Optimal Blue Digital Marketplace (now Constellation Software)
- type: GitHubOrganization
  url: https://github.com/ICEMortgageTechnology
  title: 6 public sample repos (exp19-exp21 series, api-best-practices)
- type: LegacyGitHubOrganization
  url: https://github.com/elliemae
  title: 0 public repos (pre-rebrand placeholder)
- type: Acquisition
  url: https://www.ice.com
  title: ICE completed acquisition of Black Knight Sept 2023 (~$11.7B; Optimal Blue divested to Constellation Software)
- type: SpectralRules
  url: rules/black-knight-rules.yml
- type: Vocabulary
  url: vocabulary/black-knight-vocabulary.yml
- type: JSONLD
  url: json-ld/black-knight-context.jsonld
- type: Plans
  url: plans/black-knight-plans-pricing.yml
- type: RateLimits
  url: rate-limits/black-knight-rate-limits.yml
- type: FinOps
  url: finops/black-knight-finops.yml
- type: Features
  data:
  - name: MSP Loan Servicing of Record
    description: Mainframe-rooted system of record that historically serviced the majority of US first mortgages; the largest
      single concentration in mortgage tech.
  - name: MSP DX REST APIs
    description: Modern REST surface over MSP covering loan boarding, escrow, payments, payoffs, default management, loss
      mitigation, investor reporting, stop-advance, and ownership transfer.
  - name: LoanSphere Default Suite
    description: Foreclosure, bankruptcy, and loss-mitigation case management; document services (eClosing, eVault, eRecording);
      decisioning analytics.
  - name: Empower LOS
    description: Mid-to-enterprise loan origination system with partner-gated integration; now coexists with Encompass under
      ICE.
  - name: Optimal Blue PPE
    description: Industry-dominant product-and-pricing engine for rate locks and secondary marketing; divested to Constellation
      Software in 2023.
  - name: Resitrader Loan Trading
    description: Whole-loan trading platform; part of Optimal Blue, now Constellation.
  - name: 16 Mortgage Market Rate Indices
    description: Optimal Blue Business Intelligence APIs publish 16 mortgage rate indices derived from real-time PPE flow.
- type: UseCases
  data:
  - name: Investor Loan Reporting
    description: Servicers report loan-level activity to GSE and private investors via MSP DX investor-reporting APIs.
  - name: Default Workflow Automation
    description: Default servicers automate foreclosure, bankruptcy, and loss-mitigation case management via Loss Mitigation
      and Collections APIs.
  - name: Secondary Marketing Rate Lock
    description: Originators lock rates and price loans through Optimal Blue PPE APIs.
  - name: Whole Loan Trading
    description: Aggregators trade whole loans through Resitrader APIs.
  - name: Borrower Promise To Pay
    description: Servicers document borrower payment commitments through the Promise To Pay API for collection workflows.
- type: Integrations
  data:
  - name: Encompass (Ellie Mae) LOS
    description: Sibling product under ICE; primary LOS integration target going forward.
  - name: ICE Fixed Income & Data Services
    description: Cross-sell into ICE's broader data/markets platform.
  - name: Salesforce
    description: Optimal Blue Integration Studio ships done-for-you Salesforce connectors.