SimpleNexus (nCino) Mortgage POS API
SimpleNexus (nCino Mortgage) REST API for digital mortgage origination, borrower engagement, and homebuyer journey management. Enables AI agents to manage digital mortgage application and borrower intake for lead-to-application automation, handle eClosing and digital closing workflow for end-to-end digital mortgage, access realtor and referral partner management for purchase mortgage lead automation, retrieve borrower pre-qualification and pre-approval for mortgage marketing automation, manage loan status and milestone communication for borrower engagement, handle credit monitoring and pre-approval refresh for home search automation, access in-app rate lock and float-down management for borrower rate management, retrieve loan officer profile and lead routing for LO productivity, manage open house and purchase offer support for real estate agent collaboration, and integrate SimpleNexus with LOS (Encompass, BytePro, ACUMA) and CRM platforms.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Mortgage POS. SOC2. OAuth2 with scopes. US. Mortgage application and borrower PII.
⚡ Reliability
Best When
A retail mortgage lender wanting AI agents to automate purchase mortgage application, realtor partnership management, borrower engagement, credit monitoring, and digital closing for the homebuyer journey.
Avoid When
TRID DISCLOSURE COMPLIANCE: Automated Loan Estimate and Closing Disclosure generation must comply with TRID timing (3 business days for LE, 3 business days before closing for CD); automated disclosure delivery errors create CFPB tolerance violation and cure obligation. RESPA anti-kickback for realtor referrals — SimpleNexus realtor collaboration features involving co-marketing or referral fee arrangements must comply with RESPA Section 8; co-marketing arrangement compliance requires legal review. HMDA application data — automated application collection must correctly capture race, ethnicity, and sex Government Monitoring Information per Regulation C; HMDA data collection errors create CFPB examination and fine risk. nCino acquisition integration — SimpleNexus was acquired by nCino in 2022; verify current API stability and product roadmap integration with nCino Banking Platform.
Use Cases
- • Collecting digital mortgage applications from origination agents
- • Managing realtor referral partnerships from purchase mortgage agents
- • Monitoring credit and pre-approval from homebuyer journey agents
- • Coordinating eClosing from digital closing agents
Not For
- • Refinance-only shops without purchase mortgage and realtor focus
- • Non-US mortgage markets
- • Large banks with proprietary enterprise digital mortgage platforms
Interface
Authentication
SimpleNexus uses OAuth 2.0 with scopes. REST API with JSON. Lehi, Utah HQ. Founded 2011. Acquired by nCino (NCNO NASDAQ) in January 2022 for $1.2B. Mortgage POS platform focused on purchase mortgage with realtor-LO collaboration. 340+ lender customers. Competes with Maxwell, Blend, and Cloudvirga for digital mortgage POS.
Pricing
Lehi, Utah. nCino subsidiary (NCNO NASDAQ). Founded 2011. Acquired $1.2B 2022. 340+ lender customers. Purchase mortgage POS specialist. Competes with Maxwell and Blend.
Agent Metadata
Known Gotchas
- ⚠ TRID TIMING COMPLIANCE: Automated LE and CD generation must comply with TRID 3-business-day delivery timing; automated disclosure delivery must correctly identify application receipt trigger date and calculate business days excluding federal holidays
- ⚠ RESPA realtor co-marketing compliance — automated realtor collaboration arrangements must be reviewed for RESPA Section 8 anti-kickback compliance; marketing services agreements (MSAs) with referral fee elements require legal review before automation
- ⚠ HMDA GMI data collection — automated mortgage application must capture race, ethnicity, and sex Government Monitoring Information; HMDA data collection errors create CFPB examination and fair lending risk
- ⚠ nCino acquisition API integration risk — SimpleNexus acquired by nCino 2022; post-acquisition product roadmap integration may affect API stability and feature parity; verify current SimpleNexus vs nCino Banking platform API strategy
- ⚠ Credit monitoring consent — automated credit refresh and monitoring for pre-approved borrowers requires borrower consent under FCRA; automated credit pulls without proper authorization create FCRA violation
- ⚠ eClosing integration complexity — automated digital closing workflow requires coordination between SimpleNexus, title/settlement, and notary platforms; integration gaps create eClosing completion risk
Alternatives
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Scores are editorial opinions as of 2026-03-07.