As you may be aware, ICE Mortgage Technology recently announced a significant change in Encompass integration standards, which requires action from all users. Click the link below to review the current ICE schedule for the SDK to API transition:
ICE Mortgage SDK Transition Schedule
It is important to know that Lender Toolkit’s 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
Ongoing Conversion
Lender Toolkit is continuing to convert our PowerTools™ to utilize the API. Our SDK PowerTools™ and automations will be converted to API versions before usage fees will be imposed by ICE for continued SDK usage.
PowerTools™ that cannot be converted to API, due to limitations within Encompass® and/or the API, are listed in the FAQ section below. The existing SDK versions of these PowerTools™ will remain available based your subscription Tier. ICE may begin assessing charges for SDK usage beginning May 1, 2026.
Here is a helpful article about the extended dates and SDK subscription costs.
Resources
- API Client ID and User Requirements
- API User Creation: API versions of our PowerTools™ require an API user to be created in each instance where the PowerTools™ are installed. Lender Toolkit can submit a request to ICE to generate the Client ID and secret key pair. Once received, we will forward the Client ID and instructions for adding it to your Encompass® instance(s).
- Request API Credentials Click the link below to authorize us to submit a request for API credentials.
- Required Information: Company name and address, contact name, email address, phone number, and a list of all Encompass instance IDs where the PowerTools™ will be installed.
- Notification: ICE will notify us when the API Client ID has been created, typically within 7 to 10 business days. We will then provide instructions for adding Encompass® API users.
- Existing API Users: If an API user has already been added for use with any of Lender Toolkit’s mortgage automations, additional credentials are not necessary. The previously generated Client ID can be used for our API PowerTools™.
- Important Note: API versions of PowerTools™ will be installed as new products. However, they will not be functional without an API user created and added to the Encompass instance.
- Legacy integrations sunset resource pages. Please bookmark the ICE Mortgage SDK Transition Schedule. ICE will continue to update them with new content and expand the FAQs to include common questions we are hearing.
FAQs:
What PowerTools might be removed because of the API transition?
Most of our tools have been approved for the transition to API. For those still under review—some of which lack full API support—we’ve outlined the work in progress and our plans below. It is important to keep in mind that all tools will remain available in an SDK version, even those that have a new API version available.
We’d be happy to schedule a call to discuss any concerns about these specific products, explore alternative options that fit your needs, or answer any questions about transitioning your tech stack. Let us know how we can help!
Pending API Capability:
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Not transitioning:
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How to request the extension from ICE?
Please contact your ICE Account Executive directly to initiate this request, as Lender Toolkit is not authorized to submit it on your behalf.
What is the difference between API and SDK – why is it a challenge?
An SDK plug-in operates within the system itself, providing direct access to internal tools and resources, which allows for more integrated and hands-on functionality. In contrast, an API plug-in interacts with the system from the outside by sending structured requests to perform specific actions. Converting an SDK plug-in to an API plug-in is challenging because it requires translating direct, internal operations into external commands, often with limited access to the same tools or data. This shift in architecture can involve significant redesign to ensure compatibility and maintain functionality.
How will this change the way you use LTK products (use as a way to highlight Toolshed)?
With Lender Toolkit’s new Toolshed, the all-in-one portal that revolutionizes how mortgage professionals work, you can launch and manage all your LenderToolkit solutions from a single, intuitive interface. Built to streamline your workflow, Toolshed is the central hub for LenderToolkit’s PowerTools, Chatbot, and our most powerful MaaS® tools—including Prism, the AI-driven underwriting engine that brings clarity, speed, and transparency to every loan file.
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.
