specification: API Commons Plans 0.1
name: Black Knight (now ICE Mortgage Technology) Plans & Pricing
description: >-
  Black Knight never operated a self-serve, publicly priced API platform.
  Commercial access has always flowed through enterprise contracts — first with
  Black Knight, now with ICE Mortgage Technology — and partner / ISV programs
  for Encompass, MSP DX, and the various servicing catalog APIs. Optimal Blue
  follows the same partner-gated model under Constellation Software ownership.
  No public price card is published for any surface; this document captures the
  shape of the commercial offering rather than specific dollar amounts.
provider:
  name: ICE Mortgage Technology
  url: https://mortgagetech.ice.com
created: '2026-05-23'
modified: '2026-05-23'

plans:
  - id: enterprise-servicing
    name: MSP DX Enterprise Servicing
    description: >-
      Negotiated enterprise license for MSP and the MSP DX API surface. Pricing
      structured as platform license + per-loan servicing fees + integration fees.
    audience: Bank / non-bank mortgage servicers
    pricingModel: Enterprise Contract
    publicPrice: false
    access: Negotiated
    onboarding: https://mortgagetech.ice.com
    requires:
      - Master Services Agreement
      - Implementation engagement
      - ISV / API partner agreement for direct API access

  - id: encompass-developer-connect-isv
    name: Encompass Developer Connect (ISV Partner)
    description: >-
      Partner-gated REST API access to Encompass Lending Platform via
      api.elliemae.com. OAuth 2.0 access tokens issued under ISV credentials.
    audience: ISVs / system integrators / corporate lenders
    pricingModel: Partner Program
    publicPrice: false
    access: Partner Application
    onboarding: https://developer.icemortgagetechnology.com/developer-connect

  - id: optimal-blue-ppe
    name: Optimal Blue PPE & Lock Desk
    description: >-
      Partner / customer-gated access to Optimal Blue's Product & Pricing Engine
      APIs, lock desk APIs, Resitrader trading APIs, and Loansifter broker
      pricing APIs. Now under Constellation Software's Perseus Operating Group.
    audience: Originators, brokers, investors, secondary-market traders
    pricingModel: Subscription + Per-Search / Per-Lock Fees (typical industry pattern; not publicly disclosed)
    publicPrice: false
    access: Negotiated
    onboarding: https://digitalmarketplace.optimalblue.com

  - id: simplifile-e-recording
    name: Simplifile / eRecording
    description: >-
      Per-recording transactional pricing for e-recording into county recorder
      offices. Pricing varies by county recording fees + Simplifile service fee.
    audience: Title agents, settlement, lenders
    pricingModel: Transactional
    publicPrice: false
    access: Standard Account
    onboarding: https://simplifile.com

notes:
  - >-
    None of these surfaces publishes a self-serve pricing page. Cost discovery
    requires direct engagement with ICE Mortgage Technology or Optimal Blue sales.
  - >-
    The Black Knight pre-acquisition pricing model was identical in shape —
    enterprise + partner programs. Migration into ICE has not changed the
    fundamental commercial pattern.