As you may be aware, ICE Mortgage Technology recently announced a significant change in Encompass integration standards, which requires action from all users by October 2025. Specifically, they have communicated that Encompass clients and partners currently using SDK integrations will no longer have access to these SDKs starting October 31, 2025. Transitional access to SDKs may be available on an exception basis, but this will come with an added maintenance and access fee.
It is important to know that our MaaS™ Automation tools are not affected by this announcement, however, our PowerTools™ are in the process of being updated to meet the new standards.
At Lender Toolkit™ (LTK), we understand the importance of staying ahead of these changes to ensure a smooth transition for our clients. As one of 4 elite partners with ICE and a company at the forefront of mortgage technology innovation, we are already taking proactive steps to align our PowerTools products and integrations with ICE’s new API standards.
Our Transition Plan, Roadmap & Resources
Q4 – 2024 Committed Roadmap
We have already successfully obtained API approval from ICE for our most widely used tools:
- BizRule Analyzer (Expert)
- FFIEC (Expert)
- FEMA (Free)
We were early in seeking these approvals to demonstrate our ability to navigate the ICE API approval process and deliver solutions that meet their rigorous standards. We have been working through UAT testing and we are excited to announce that we will be deploying these tools using the ICE API as part of our Q4 Roadmap.
Note: The free USPS Validation PowerTool will not be transitioned to an API version. ICE plans to add an address validation function in Encompass® release 25.1
Q1 – 2025 Forecasted Roadmap
We have prioritized and ranked our products based on user feedback and popularity. Beginning in Q1 of 2025 we plan to continue efforts to convert the following tools to API:
- Code Wizard
- Loan Comparison Tool
- MERS Automation
- Auto-Assign
- Home Counselor
- Loan Folder Move
- User Touches
All remaining tools to follow with completion of our efforts and deployment by August 2025. Stay tuned and check here for regular updates and check your email for recent announcements.
Resources
Be sure to stay in the loop by attending the webinar series from ICE below, take advantage of the resources provided, and check in with us here regularly for updates.
- Webinar series – Maximizing modern technology in Encompass: best practices for transitioning from legacy integrations.
- September 26: Amy Cross, Director of Product Management, at ICE, shared the benefits of an API-first strategy and walked through best practices to prepare for the upcoming transition and the seamless alternatives available to Encompass customers today.
- October 10: During this webinar, Encompass product experts walk through use cases where Encompass administrators can leverage existing tools within the platform to replace popular SDK integrations. These tools include business rules, configurations, custom forms, workflow rules, automated service ordering (ASO) and schedulers for automation.
- October 24: Encompass product experts give a technical overview of how to transition from Encompass SDK integrations and build automation with Encompass Developer Connect™ application development, plugins, APIs, webhooks and DDM.
- November 7: An Encompass customer and a partner share their journeys of transitioning from legacy service ordering to Encompass Partner Connect (EPC) API-based services to help you prepare for the Oct 2025 sunset date. They will discuss their collaboration, the transition process, best practices, and the results they are experiencing.
- Legacy integrations sunset resource pages. Please bookmark the Encompass SDK and Encompass Partner Connect™ resource pages. ICE will continue to update them with new content and expand the FAQs to include common questions we are hearing.
FAQs:
When can we expect more information to be released on when existing PowerTools will be transitioned to using the API (roadmap)?
The roadmap sections above will be updated in real time with completion, committed and forecasted timing as we make progress to convert each tool. Check back regularly as this page will be the latest information available.
What PowerTools might be removed because of the API transition?
Currently, 75% of our tools have been greenlighted for the transition to API. For the remaining 25%, which are not fully supported via API, a list is included below. These tools are not likely going to transition to API and will possibly be removed from the PowerTools packages. While we are discontinuing certain tolls, we offer a range of other options and solutions that may deliver even better results for similar use cases and needs.
We would be happy to schedule a call to address any concerns you may have regarding these specific products, explore potential alternative solutions that might better suit your needs, discuss any other questions you have about transitioning your entire tech stack, or answer any other questions you might have.
Click here to schedule a meeting: https://www.lendertoolkit.com/schedule-consultation/
| Loan Folder Move | Free Tier | Locksmith | Expert Tier | |
| Document Lookup | Optimized Tier | Form Navigation | Free Tier | |
| CSV Loan Importer | Free Tier | Unlock Users | Free Tier | |
| Loan Monitor | Free Tier | Custom Title Bar | Expert Tier | |
| Simple eDisclosures | Optimized Tier | Input Form Set | Free Tier | |
| Disable Services | Expert Tier |
For the FEMA API tool: will the results be written to custom fields in Encompass?
Our goal is to have the Tool write to the new virtual fields that were added in a previous Encompass® release. We are currently testing if that capability has been added in the latest API releases.
Commitment to API First Integration
Moving to cloud-based Encompass EPC and adopting the new APIs will provide improved integration speeds, enhanced security, and standardized processes.
We want to assure you that Lender Toolkit is fully committed to supporting you through this change. Our CEO, who sits on the advisory board with ICE, has been actively involved in discussions and planning. We are dedicated to ensuring that our solutions not only meet but exceed your expectations as we move forward with these improvements.
We are even here to help you through the transition with all your products and staffing as you navigate these changes. We look forward to providing you with even more powerful, efficient, and secure tools as we transition to the new ICE Encompass API standards. Check this page often as we add more information, FAQs and other resources.
Professional Services Help
Many tech companies are talented in technical engineering but rely on you to tell them what to build or install. That will commonly fail in a never-ending cycle of repetitive iteration with a lot of testing and analysis paralysis. We are not that. We are mortgage professionals with decades of real-world experience who have built packages of solutions for our mortgage community. We are here to listen, execute, and provide the products and services you need to be competitive and profitable. If you are worried about your readiness to handle the SDK to API transition, we have the digital solutions and services designed to help you handle the upcoming changes with ease.
Professional Services:
Navigating organizational change, implementing new systems, or upgrading your tech stack can be complex and disruptive. We specialize in guiding teams through organizational shifts with minimal disruption, ensuring seamless integration of new technologies into your workflow, updating Encompass, and optimizing or replacing outdated systems for enhanced efficiency and scalability.
Scalable Solutions:
Our products 10X every employee’s efforts with button push technology and intuitive outputs that are seamlessly integrated into Encompass. Our line up includes automated underwriting with income calculations for all loan types (even govy), disclosure automation, and post closing solutions that actually boost your profits, instead of adding cost. We have been early in converting all of our tools (including all 42 different power tools) as well as our Automation products to utilize the API, and our transition plan will be well ahead of schedule for converting our products. However, if you have other products, forms, or tools that need to be converted – save time, money, and multiple headaches by allowing our experts to do the heavy lifting for you. Enjoy the benefit of an upgraded api integration experience without all the keystrokes and project planning. Get peace of mind knowing you and your staff will be ready and transitioned in time without skipping a beat.
Support:
We are mortgage first and with our decades of industry experience and commitment to excellence, we provide the support you need to enhance your operational efficiency, boost production, and maintain a competitive edge.
