Revolutionizing Mortgages: ICE Moves Beyond SDKs for a Brighter Future

A New Era for Mortgage Technology

In a significant leap forward, ICE Mortgage Technology is transforming its Encompass loan origination system (LOS) by stepping away from its Software Developer Kit (SDK). This transition, spearheaded by Vice President of Product Strategy, Nancy Alley, is ushering in a new era of efficiency and innovation within the mortgage industry.

Embracing Modern Solutions

Nancy Alley discussed the need for this transformative approach in an exclusive conversation. She emphasized that moving away from legacy SDK integrations towards modern Application Programming Interfaces (API) aligns with ICE’s core principles: efficiency, transformation, extensibility, and reliability. According to HousingWire, this pivot represents an opportunity for both lenders and borrowers to enjoy enhanced processes and reduced costs.

Enhancing Competitive Edge

The transition isn’t merely about updating technology. Instead, it provides a competitive advantage by replacing outdated systems with robust modern solutions. Encompass lenders now have direct access to state-of-the-art APIs, upskilling opportunities for development teams, and streamlined workflows that promise time and resource savings.

Countdown to Change

With October 31, 2025, marking the beginning of SDK dependency elimination, the clock is ticking for lenders to adopt these modernizations. Many have already experienced significant benefits, including up to 95% reductions in SDK usage as they move with the industry towards API-based integration.

The Path to Long-term Success

ICE’s innovation strategy involves creating a future-ready ecosystem that empowers lenders to automate complex processes, decrease operational costs, and ensure compliance. Moving forward, the focus is squarely on strategic investment, harnessing cutting-edge technology to add value and drive industry resilience.

Navigating the Transition

For those yet to start their journey towards modern technology, Nancy Alley offers sage advice: critically assess current SDK plugins for potential replacement with modern tools. ICE is dedicated to supporting their clients’ transformation, ensuring they stay competitive in a rapidly evolving environment.

A full transition to API infrastructure is not just a technological step but a future investment. As lenders and partners embrace these changes, the mortgage landscape promises to be more efficient, interconnected, and ready for whatever the future holds.