ICE PPE vs Earnix
Pricing & Eligibility head-to-head · axis by axis, same rubric for both
ICE Mortgage Technology (Intercontinental Exchange, Inc.)
Pricing & Eligibility
| Axis | ICE PPE | Earnix |
|---|---|---|
| Production impact | 3.3 | 2.3 |
| Functionality & depth | 3.1 | 1.9 |
| Integrations & ecosystem | 3.6 | 1.8 |
| Adoption & support | 3.3 | 2.1 |
| Return on spend | 3.3 | 1.9 |
| Overall | 3.3 | 2.0 |
ICE PPE wins 5 of 5 axes. Same rubric, same weights, no sponsorships.
What the rubric says
ICE PPE and Earnix are both scored in Pricing & Eligibility. ICE PPE carries an overall of 3.3, Earnix an overall of 2. The widest gap between them is Integrations and ecosystem, at 1.8 of a point. That axis measures how well it reaches the rest of the stack. ICE PPE takes it, 3.6 to 1.8.
Where the five axes separate
On Integrations and ecosystem the record favours ICE PPE, 3.6 against 1.8. On Return on spend the record favours ICE PPE, 3.3 against 1.9. On Functionality and depth the record favours ICE PPE, 3.1 against 1.9. On Adoption and support the record favours ICE PPE, 3.3 against 2.1. On Production impact the record favours ICE PPE, 3.3 against 2.3.
Pricing posture
ICE PPE does not publish pricing. Its listed model is quote only. Earnix does not publish pricing. Its listed model is quote only.
Deployment and who each one targets
Deployment for ICE PPE: Cloud, embedded in Encompass. Deployment for Earnix: Cloud, connects to loan origination systems and CRMs as well as decisioning platforms. Segment focus for ICE PPE: Encompass lenders that want pricing inside the LOS rather than a separate engine. Segment focus for Earnix: Insurers and large banks with a dedicated pricing function, not mortgage rate-sheet quoting. The two entries name different buyers.
What each record credits
ICE PPE: Quote and loan file share one record inside Encompass, with no rekeying. ICE PPE: Same vendor as the LOS, shortening procurement and security review. ICE PPE: Sits beside Encompass Consumer Connect, Velocify and the rest of the line. Earnix: Runs credit risk simulation beside price setting, which mortgage pricing engines do not attempt. Earnix: Twenty-five years of history, seven offices, customers in thirty-plus countries, per its own page. Earnix: Aimed at pricing teams that own rate strategy, not loan officers quoting scenarios.
What each record holds against them
ICE PPE: No public product page exists, and no investor coverage detail either. ICE PPE: Value requires Encompass; nothing evidences use with a competing LOS. ICE PPE: No published pricing, and packaging against the Encompass contract is unclear. Earnix: Not a mortgage PPE; neither investor rate sheets nor lock desk workflow described. Earnix: Ownership and funding go undisclosed on the company page and newsroom. Earnix: The only named third-party system is Guidewire PolicyCenter, an insurance platform.
Which one fits which shop
Best fit for ICE PPE: An Encompass shop that values one vendor and one data model over a best-of-breed engine. Best fit for Earnix: A bank pricing team that sets its own risk-adjusted rates across several loan lines.
What each entry concludes
ICE PPE: ICE PPE is the pricing engine inside Encompass, descended from the Encompass Product and Pricing Service. ICE PPE: ICE describes it as quick rate sheet access with loan data kept accurate as scenarios change, without leaving. Earnix: Earnix sells enterprise pricing and decisioning software, positioned at insurers first and banks second. Earnix: The lending page covers auto, personal, mortgage, deposits and commercial lines under one pricing model.
The short answer
ICE PPE finishes ahead on the published rubric, 3.3 to 2. The margin comes mostly from Integrations and ecosystem. Same rubric, same weights, no sponsorships.
Both tools are scored on the same weighted rubric, production impact carries the most weight. Comparisons are never sponsored. Disclosure →