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 management, document services (eClosing, eVault, eRecording), decisioning
- Empower LOS — mid-market loan origination
- Optimal Blue — secondary marketing, the industry's most-used product-and-pricing engine
Intercontinental Exchange (NYSE: ICE) acquired Black Knight in September 2023 for ~$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.
Today:
blackknightinc.com302-redirects tomortgagetech.ice.com- Black Knight's product lines now sit inside ICE Mortgage Technology alongside Encompass (the ex-Ellie Mae LOS, acquired by ICE in 2020)
- Developer surfaces have migrated to
developer.ice.com(MSP DX APIs, Servicing Vault, Loss Mitigation, Payoffs, Promise To Pay) anddeveloper.icemortgagetechnology.com(Encompass Developer Connect) - Optimal Blue APIs are now hosted at
digitalmarketplace.optimalblue.comunder independent Constellation Software ownership
This repo documents the API surfaces as they existed under Black Knight and tracks the post-acquisition fate of each product line.
| # | API | Status | Portal |
|---|---|---|---|
| 1 | MSP DX (Direct Exchange) APIs | Active under ICE | developer.ice.com/mortgage-servicing/catalog |
| 2 | Servicing Digital / Promise To Pay | Active under ICE | developer.ice.com |
| 3 | LoanSphere Default / Document / Decisioning | Folded into ICE — no public dev portal | mortgagetech.ice.com |
| 4 | Empower LOS | Coexists with Encompass — partner-gated | mortgagetech.ice.com |
| 5 | Encompass Developer Connect (sibling) | Active — primary LOS API surface under ICE | developer.icemortgagetechnology.com/developer-connect |
| 6 | Optimal Blue Product & Pricing (PPE) | Divested to Constellation Sept 2023 | digitalmarketplace.optimalblue.com |
| 7 | Optimal Blue Loan Trading (Resitrader) | Under Constellation | digitalmarketplace.optimalblue.com |
| 8 | Optimal Blue Investor Solutions | Under Constellation | digitalmarketplace.optimalblue.com |
| 9 | Optimal Blue Business Intelligence (16 Rate Indices) | Under Constellation | digitalmarketplace.optimalblue.com |
| 10 | Optimal Blue Broker Pricing (Loansifter) | Under Constellation | digitalmarketplace.optimalblue.com |
| Type | Folder | Files |
|---|---|---|
| JSON Schema | json-schema/ |
6 (msp-loan, msp-escrow, msp-payment, servicing-promise-to-pay, optimal-blue-pricing, optimal-blue-lock) |
| JSON Structure | json-structure/ |
1 (msp-loan) |
| JSON-LD Context | json-ld/ |
1 (black-knight-context) — maps to FIBO + schema.org |
| Examples | examples/ |
5 (msp-loan, msp-payment, promise-to-pay, optimal-blue-pricing, optimal-blue-lock) |
| Naftiko Capabilities | capabilities/ |
3 (msp-dx, loan-servicing-workflow, optimal-blue-pricing) |
| Spectral Rules | rules/ |
1 (black-knight-rules.yml) |
| Vocabulary | vocabulary/ |
1 (black-knight-vocabulary.yml — 17 domain terms) |
| Plans / Pricing | plans/ |
1 (4 commercial surfaces; all partner-gated, no public price card) |
| Rate Limits | rate-limits/ |
1 (contractual; not publicly published) |
| FinOps | finops/ |
1 (no FOCUS export; cost via enterprise invoice) |
- No OpenAPI specs published. MSP DX, Encompass Developer Connect, and Optimal Blue all gate spec access behind portal login or ISV onboarding. Public portals list catalog categories but not downloadable specs.
- No public price card. All four commercial surfaces (MSP, Encompass, Optimal Blue, Simplifile) use enterprise / partner contracts.
- No public rate-limit numbers. Optimal Blue advertises SLOs ("search request average < 1 sec", "millions of calls daily") but not per-key quotas.
- No FOCUS-compatible FinOps export. Cost reconciliation flows through PDF / EDI invoices.
- EllieMae GitHub org has 0 public repos — only the rebranded
ICEMortgageTechnologyorg carries any sample code (6 small demo repos: exp19-exp21 series, api-best-practices).
- May 2022 — ICE announces agreement to acquire Black Knight for $13.1B
- Sept 2023 — Deal closes at ~$11.7B; Optimal Blue divested to Constellation Software / Perseus Operating Group as FTC condition
- 2024– — Black Knight brand sunset; products absorbed into ICE Mortgage Technology alongside Encompass (ex-Ellie Mae, 2020 acquisition)
The full index of APIs, properties, features, use cases, integrations, and references lives in apis.yml.