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-productions.s3.amazonaws.com/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: Example
        url: examples/msp-loan-example.json
      - type: Example
        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: Example
        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: Example
        url: examples/optimal-blue-pricing-example.json
      - type: Example
        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: NaftikoCapability
    url: capabilities/black-knight-msp-dx.yaml
  - type: NaftikoCapability
    url: capabilities/black-knight-loan-servicing-workflow.yaml
  - type: NaftikoCapability
    url: capabilities/black-knight-optimal-blue-pricing.yaml
  - 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.