Rising origination costs, borrower expectations for high tech with human touch, and a shifting regulatory backdrop have made the multi-trillion dollar mortgage industry increasingly complex. The market is ripe for digitalization and transformation, which ICE has brought to a range of asset classes since its founding.

ICE Mortgage Technology combines the innovation and expertise of Ellie Mae, Simplifile and MERS, as the only provider focused on automating the entire mortgage process – from consumer engagement through loan registration and every step in between. We offer the only digital network that applies robust data connections across the industry to virtually every loan in the market.

End-to-end automation

ICE Mortgage Technology’s solutions will reduce costs and increase efficiencies across the entire mortgage process.

A unique network

By bringing together complementary assets and stakeholders in Ellie Mae, Simplifile and MERS, we’ll drive transparency and transaction quality.

Data to advance the mortgage industry

Our expanded digital network combined with analytics and technology, will accelerate the automation of disparate processes across the mortgage workflow.

Ellie Mae’s Encompass

Ellie Mae’s Encompass Loan Origination System (LOS) gives lenders access to the information and services they need to originate and close more loans, in less time, at a lower cost, from any location. AI-driven intelligent automation throughout the system means lenders of any size can deliver a better borrower experience. With built-in compliance, paperless document management, and next-generation data security, Encompass ensures that lenders and borrowers are prepared and protected.

Thousands of mortgage lenders, investors, and service and technology partners, collaborate on the Encompass Digital Lending Platform. The openness, flexibility and vast number of partner connections give customers greater choice and faster access to tools that help accelerate their businesses. With over 144 million loan transactions flowing through the Encompass Digital Lending platform annually, customers also gain access to rich analytics and insights to make smarter business decisions.

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Electronic Registry & Document Recording Services


Encompasses a national electronic registry that tracks changes in servicing rights and beneficial ownership interests for over 75% of the U.S. mortgage market, and a system of record for identifying the controller and location of the authoritative copy of an electronic note.

Simplifile »

Leads the nation in electronic document recording services with county governments, offering a secure collaborative platform that connects stakeholders in the mortgage transaction.