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.