- 4 months ago
Developer Platform
The Developer Platform offers access to a fully open API ecosystem. By providing external developers with self-service access to documentation, code samples, and integration guides, the portal eliminates barriers to innovation—empowering clients and partners to build on Empower with greater speed and autonomy.
Designed with the developer experience at its core, the portal features a modern, frictionless interface that helps users get up and running quickly. It supports a wide range of development use cases, from CRM integrations to custom workflow automation, enabling organizations to extend the Empower platform in ways that align seamlessly with their business strategies.
The Developer Platform offers access to a fully open API ecosystem. By providing external developers with self-service access to documentation, code samples, and integration guides, the portal eliminates barriers to innovation—empowering clients and partners to build on Empower with greater speed and autonomy.
Designed with the developer experience at its core, the portal features a modern, frictionless interface that helps users get up and running quickly. It supports a wide range of development use cases, from CRM integrations to custom workflow automation, enabling organizations to extend the Empower platform in ways that align seamlessly with their business strategies.
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TechTranscript
00:00Welcome to HousingWire's Demo Day on Demand. I'm Alison LaForgia, Managing Editor of HousingWire's Content Studio, and I'm glad you're joining us.
00:09Demo Day is where we spotlight some of the most innovative technology companies in housing and mortgage,
00:15giving you, our audience, a front row seat to real product demos from the teams that are building the tools and technology that move our industry forward.
00:23In this session, we're featuring Dark Matter Technologies, a company that's solving industry's challenges with smart, scalable solutions.
00:32Stick around after the demo. Steve and I will jump into a short conversation where I'll ask the questions that help you connect the dots between their tech and your business needs.
00:43In this Dark Matter Technologies demo, Steve will be taking us through a demo of the developer platform.
00:49Dark Matter is a leader in the mortgage industry, offering advanced LOS and AI-driven automation solutions that streamline processes, scale effectively, and reduce overhead.
01:02Their powerful process automation and predictive analytics deliver unmatched operational efficiency.
01:08With innovative solutions tailored for lenders, Dark Matter has become the essential partner for gaining a competitive edge and achieving long-term success in a dynamic market.
01:19Steve, take us through the demo of Dark Matter's technology developer platform.
01:24All right. Thanks so much, Alison.
01:27So as you can see, I'm on our developer platform.
01:30And when you get there, you have the ability to log in.
01:35You can also do dark mode, light mode.
01:39We've tried to make it streamlined and easy to get to and navigate.
01:43And when you first get here, if you haven't logged in, you're only going to see a few tabs.
01:49Once you log in, you'll see a few more, and I'll show you that real quick.
01:52So you can either click on the Get Getting Started tab or you can click on API Library.
01:57If you click on API Library, it's going to ask you to sign in.
02:00If you click on Contact Us, if you have any questions at all, you can click here and it'll pop up your email.
02:08You can send us an email.
02:09If you're a partner and you want to get just a little bit more relationship building going on, you can fill out the form here.
02:16And then, of course, we have a spot for our LinkedIn.
02:19Back to the Getting Started, we have a welcome page to welcome people to the developer portal.
02:24For those that have never been here and they want to get a little bit more understanding of what is a developer portal,
02:30we kind of walk through those key features that we have, the comprehensive API documentation.
02:36It's a very user-friendly interface.
02:39And then when you log in, it's a secure authentication.
02:42Why should you use our APIs?
02:45You know, we have blurbs on that.
02:47A lot of people really love the automation aspect of being able to innovate with us.
02:53So we have a section on innovation, join the community.
02:57That's something that's going to be coming soon.
02:59So everyone stay tuned.
03:01And then, you know, you're just a few steps away from getting started.
03:06Requesting access.
03:08Today is sending us an email.
03:10Tomorrow, in the near future, within the next month, we'll have a form out there.
03:14And there'll be a new tab up here for register.
03:17But for now, if you just send us your name, company name, email address, and maybe why you're using it, that'd be really helpful.
03:23If you want to add more than one person, you can.
03:26Just include their name and email, and we'll get you going right away.
03:30We have a section for logging in.
03:32It's pretty self-explanatory.
03:34If you have questions, though, you can contact us.
03:36And then another blurb on if you're using the API, we give you some information about the documentation in our library,
03:44and then a little bit of blurbs about testing through the portal.
03:48So I'm going to go ahead and log in real quick.
03:51Click log in.
03:52And then we'll see after I log in that I'll have a few more tabs.
04:03Give me one second here.
04:06All right, so now you can see that I've logged in.
04:33It has my name here.
04:34Now we have API library, documentation, and release notes.
04:38Release notes is a new feature that we just introduced with our 25.1 version.
04:44So if you click on here, over time, this will show you the release notes historically as of 25.1.
04:50We didn't have this in the past, so it was really challenging for our partners to be able to figure out what has happened with Empower as far as APIs go.
04:58So we're really excited that we have this feature now.
05:02Our API library, this is where you get all the information about the APIs that we have.
05:07We have, coming in the future, we'll have additional Dark Matter products.
05:13Right now we have Empower, but soon we'll have Ava and Exchange APIs that you can get to from the Dark Matter developer platform.
05:21If you click on inside of any one of these, it's going to show you the API component.
05:28So I'll do that real quick.
05:29I'm just going to click on Loan Management.
05:32And right away you'll see there's a bunch of gets.
05:37So loan information, if you want to get loan information, if you want to get a loan by key, do you want to create a loan?
05:45All this information is right here.
05:47The unique thing that we have in our portal is we have the ability to show you in what language do you want to, if you want to put the request in a certain language, you can see that request information right here for every single call.
06:01So it doesn't matter what call it is, we're going to show you the language that you choose to write your program in.
06:09So that's a pretty neat feature that we have.
06:12You have the ability to copy any of the payloads that we have.
06:15So if you want to see an example response and you want to get all that information on what's there, you can do that.
06:23Additionally, when you're in each one, it's going to show you if there's required headers.
06:28You can see right here is the header.
06:30It's required for Empower version 3.0.
06:34You can see that you'll land by default on any of our APIs that you go into.
06:39You're going to land on the latest version that's out there.
06:42If you want to switch to see if something's changed, you have the ability to toggle here to version 2.
06:48So I want to have you hone in right here on this section here, and you'll notice I go to version 2.
06:54Version 2 didn't have as much information available to you or as much flexibility on what you can do with the Loans Management API.
07:04Now, in version 3, you have a lot more features that are available that are at your fingertips.
07:12If we want to run a test, then you can easily test.
07:17I'm going to switch over to the Retail API just to show a test real quick on getting loans.
07:24So apologies for scrolling here, go down to Loans, and almost there.
07:37So if I want to get loans, then I switch here.
07:42And you can see that there's, again, the query parameters, the code that I talked about, the response, the headers.
07:52And in each one of these I didn't show earlier is you have, if you expand the response or request,
07:58if the request has more information in it, you'd be able to see what enumerations are tied to a record type.
08:05So it's easy for you to see if I'm getting something back, what are the expected enumerations that come back.
08:12If I just run a quick test here, it gives you the ability to put in your own parameters if you want.
08:21Your authentication is going to, or your headers, excuse me, it'll default to the version that you're on.
08:27And then the authentication, it's going to default to none, but when you switch it, it'll stick for you while you're in your session.
08:38And then if there's body information, then you'd be able to put any of that in there.
08:43But on this Git, there's no body.
08:45So it's telling you that.
08:49And next, I'm going to go over to our documentation.
08:52So one of the main points or concerns that we get is how do I connect to an Empower Instance API?
09:02So we have great documentation for anybody to walk through on how do I do that connection to Empower.
09:11And we're obviously here to help you, but in the past, we had no documentation, so it was a super huge challenge.
09:17Now that we have that documentation, it makes it a little bit easier to overcome that hurdle of getting connected to the Empower APIs.
09:25We have troubleshooting information, Empower admin information.
09:30One thing I want to hone in on that's in our admin administration is we have what's called embedded UI functionality.
09:37So if you're a lender or if you're a vendor and you're out there building your own tool,
09:41you have the ability to iframe that directly into Empower without needing Empower to do any code.
09:48You just need to have the access to that environment setups, and then this will walk you through,
09:54how do I go put my embedded UI into that Empower environment so that someone can leverage that in workflow, in tasks, in their toolbar setup.
10:04So this is a pretty neat feature that I wanted to highlight here with our API documentation.
10:09Our webhooks integration, this is how you as an integrator would get connected, get information that a loan's been updated.
10:18We would send a notification.
10:20This is going to show you the different types of authentications that can be set up to hit your endpoint so that the Empower instance can send you a notification.
10:28And then we have a sample payload here that you can see if I'm going to consume that, what does that payload look like?
10:34We have Postman Collections.
10:37This page is just going to explain what Postman Collections kind of do.
10:41So if you're not a developer, this may be new to you.
10:44If you're a developer, this is probably very familiar to you.
10:48And right now we just have a few, but we're going to be growing that over the next few weeks as well,
10:54where we'll have a bunch more Postman Collections available.
10:58When you click on it, it's just going to download directly to your local machine, and you would have that to be able to review in Postman.
11:06And then when you are connected to an Empower version, you'd be able to run those Postman Collections if you so choose.
11:11We also have use cases, and this is where I'm going to walk through real quick kind of a cool feature in the test component of the API tool that we have.
11:25So when you go into this use case, it's telling you how to utilize the Loan Management API that I went through earlier.
11:32Here it's telling you how do we create a loan.
11:36And here's the payload.
11:37So we're giving you the payload.
11:39You can copy the payload just by clicking on this, and this will then take you directly to the API.
11:46So I'll copy that.
11:47I'm going to click the API to go directly to that, and then I'm going to run a test here to show you that in this developer portal,
11:56I can create a loan just to see what it kind of looks, the look and feel of it is.
12:01So again, I have my headers already filled out.
12:03My auth, I selected it earlier.
12:05And here I'm going to put the body that I got from the other information.
12:12And if I hit Send here, then here you can see we got a 200 response, and then this is the response that was returned and all the information that came along with it based on what I created.
12:25So I'm going to copy this loan number down, and then I'm going to go back to the business use cases in the documentation section.
12:34And I'm going to take this loan number, and then I'm going to go through the next business use case that we have out there.
12:39So Empower Product and Pricing.
12:42So now that I have a loan created, I want to shop for eligible products.
12:47So here I'm going to select Product and Pricing Search.
12:50And again, I want my payload, so I'm going to go ahead and hit Product and Pricing Search.
12:56And this scenario took me directly to Product and Pricing Search outside the context of the loan.
13:01I'm going to switch over to inside the context of the loan.
13:05And again, you have your parameters here that's telling you what's required.
13:09The request body here, even though we had it on the other screen that we were at, it will give you that information if you want to build it that way as well.
13:18I'm going to click Test.
13:19I'm going to key in my loan number.
13:21The loan numbers need to be in single quotes.
13:24And then the payload that we need to use, I will take that information and paste it in here.
13:36Oh, I got the wrong payload.
13:40One second.
13:41And then I will show you that we're going to get back Product and Pricing for this loan that we just created in this developer portal.
13:56So I'll hit Send.
13:58And then you can see here we got a 200 response.
14:01And you can see here at the top it's saying I have ineligible products.
14:05Well, if for some reason I don't want to show a user ineligible products, you can quickly see that we have right here response filters.
14:13If I want to change that to false and I want to run it again to where I only want to get back eligible products, you can see now I ran it again.
14:23My ineligible products are not there.
14:25And now I just I'm only looking at eligible products.
14:28So as I scroll through here, maybe I want to find a 30-year fix.
14:33I'm looking at the terms here to see this is 360 months.
14:37So I want the product ID of 104.
14:40So I want to take this same loan.
14:43And on the same loan, I want to go price this loan and lock it.
14:50I want to lock it with the product that I just found, which is product 104.
14:54So I'm going to take this loan number again.
14:57And I've already done the due diligence of looking at what the payload is.
15:01So I'm going to enter in my loan number again in this call here.
15:09And then I'm going to put the necessary information to lock the loan here.
15:17And again, we're doing product code 104 that we grabbed.
15:22I need to remove this content here and hit send.
15:33And as you're looking at this, I have locked loan as false.
15:37My intention was to lock it, but we can go down.
15:39And since I had this false, I'll go scroll down and look at the product section of this.
15:44So you can see I have a 45-day lock.
15:46I now have a product on the loan, but I don't have lock days.
15:50So I'm just going to run this one more time, and I'm going to change this lock loan from true to false.
15:55And I'm going to hit send one more time.
16:00And then you can see here I have now locked this loan.
16:04If I go back down to the product information, I have a lock date right now.
16:07And then a lock expiration date.
16:11So this is basically what I wanted to emphasize is the flexibility that you have to leverage our documentation, leverage the API libraries.
16:24As you're innovating, this tool is going to help you become, you know, more efficient at using the Empower APIs and just open your ecosystem up.
16:32So I'm really glad, you know, that I was able to take the time to show you the information here that we have in our API.
16:41And we really look forward to, you know, what you as lenders and our partners build out.
16:47Steve, thank you for taking me through the Dark Matter developer platform and showing me what it's bringing to the table by providing developers with the opportunity to eliminate barriers to innovation.
17:00Let's dig a little bit more into the platform.
17:04So the first question that I have for you is what inspired the creation of the Dark Matter developer portal and what gap does it fill for your lenders and vendor partners working with Empower?
17:18That's a great question.
17:20Really, it all comes from listening to our clients.
17:25We heard it clear, loud and clear.
17:27They want to innovate.
17:28They want to be able to self-serve.
17:31And so this just gave us the opportunity to kind of open this up and provide that documentation to allow them to innovate and collaborate and build, you know, anything they want that meets their business needs and not have to rely on Dark Matter necessarily to, you know, help them out with anything they're wanting to do.
17:52We're always there to help, but it really fills that gap in allowing the lenders to kind of innovate and, you know, drive their own business process however they want.
18:01So this platform that we've created allows them to do that, and they can move more quickly and confidently.
18:09So it's really not just about the APIs itself, it's opening our ecosystem up to allow the lenders and our vendor partners to kind of go at their own pace and innovate and really open up the doors to, you know, their process.
18:25And, you know, one thing that I want to call out is Vikas Rao, our chief technical officer, he really spearheaded this.
18:33He came into Dark Matter and, you know, kind of, you know, dove in and realized we have APIs, but nobody knows how to get to them.
18:41Nobody knows that we have them, really.
18:43We know we have them, but our partners don't have them.
18:46So he really spearheaded this, and then we have a great team of architects, developers.
18:52They don't get enough credit, but Jason Bell, Aaron Reister, Vani Vandala, Matt Victor, Jason Jennings.
19:01The list goes on.
19:02Rich Molenkamp, Jacob McFaul, Royce Roden, but the list goes on.
19:06Our team is fabulous, and, you know, we're really excited that we were able to get this out there
19:10and allow our lenders and partners to kind of take advantage of it.
19:15The developer platform really seems like it allows partners to move with greater speed and autonomy, even.
19:26And I'm really interested in what kind of innovation or even use cases you've seen or hope to see
19:33come out of clients and partners using the portal.
19:37Yeah, that's another great question.
19:38To toot our own horn a little bit, our Dark Matter now has a servicing platform, Dark Matter Servicing.
19:47They want and we want to integrate and empower with their system.
19:52So I worked with Linda on our servicing side and said,
19:56let me give you our access to our developer portal.
19:58She dove in with her developer and that team has really kind of just used our developer portal to build an integration from Empower to the Dark Matter servicing platform.
20:13And it's really been a great experience because the feedback they've given us is just super positive, and we're so excited to see that finish out.
20:23Additionally, we've had lenders who've built some pretty robust things with our APIs, so just hearing their stories is fabulous as well.
20:32We've had lenders who have created their own tool where they're building a process, and now that they have the API developer portal, they were able to kind of facilitate that into their workflow.
20:45So it's really been a great experience, and we're kind of excited to see how everyone else is able to adopt and then basically just grow their own system and ecosystem.
20:55So, so far, it's been great.
20:57You've mentioned a bunch of collaboration across the Dark Matter team.
21:03How does the developer portal fit into Dark Matter's broader strategy for innovation and openness?
21:12It's really the foundation of our strategy, the moving towards a more open ecosystem, composable architects where Empower is just not the system of record,
21:25but a platform that can be extended and integrated with ease is really the vision that we have for the developer portal to basically lower the barriers for entry to innovation and collaboration.
21:41It gives our clients and partners the freedom to build what they want when they need it without, you know, us blocking them.
21:48So it's really just going to be a great overall long-term strategy, and we're so excited that we have it, and we're looking forward to everybody being able to use it.
21:59And the more feedback we get, the more people on it.
22:01We just can't wait.
22:03It seems like this is just the start of the potential for innovation and even innovation at a greater speed and increasing partner innovation.
22:15And I'm excited to see what comes from it.
22:19Thank you for taking us through Dark Matters Developer Portal.
22:23For our audience, for more information about Dark Matters Developer Portal, please click the link below.
22:29Great. Thank you so much, Allison.
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