SimpleNexus API
SimpleNexus (now the nCino Mortgage Suite) is a digital homeownership platform that unites engagement, origination, closing, and business intelligence across the mortgage lifecycle for U.S. lenders and their borrowers. An unofficial API lets you programmatically pull loan applications, borrower and loan officer records, documents, disclosure and eSign status, pipeline and closing data—and push updates like new applications, document requests, and status changes back into SimpleNexus.
What is SimpleNexus?
SimpleNexus is a digital homeownership platform—now part of the nCino Mortgage Suite—that unites the people, systems, and stages of the mortgage process into a seamless, end-to-end experience for U.S. lenders and their borrowers. Lenders use SimpleNexus to engage pre-application leads, take loan applications through a mobile-first point of sale, collect documents, deliver and eSign disclosures, run hybrid and fully digital eClosings, manage incentive compensation, and surface pipeline and production analytics.
Core product areas include:
- Nexus Engagement (pre-application lead engagement, shareable borrower app, home search, payment calculator, referral tools for real estate agents)
- Nexus Origination (mobile-first point of sale: loan application, document upload, status tracking, loan-officer messaging, eSign disclosures)
- Nexus Closing (traditional, hybrid, and fully digital eClosings with single sign-on)
- Nexus Vision / nCino Mortgage Analytics (turnkey BI: lead tracking, pipeline visibility, production scorecards, historical trends, financials with loan-level drilldown)
- CompenSafe (incentive compensation management for loan officers and originators)
Common data entities:
- Loans, Applications (1003/URLA), Pre-qualifications, Loan Status, Milestones
- Borrowers, Co-borrowers, Loan Officers, Real Estate Agent Partners
- Documents, Disclosures, eSign Packages, Closing Packages
- Leads, Pipeline Records, Production Scorecards, Compensation Plans
The SimpleNexus Integration Challenge
Lenders run loan production on SimpleNexus every day, but turning its mobile-first, portal-driven workflows into API-driven automation is non-trivial:
- Mobile-native data: Much of the borrower experience lives in the SimpleNexus mobile app, so application, document, and status data isn't trivially exposed through a stable public REST surface
- LOS-coupled workflows: SimpleNexus sits in front of loan origination systems like ICE Encompass, so loan IDs, milestones, and field mappings vary by each lender's LOS configuration
- Partner and vendor gates: Programmatic access typically requires lender admin involvement and vendor-partner agreements rather than self-serve API keys
- Single sign-on and MFA: SSO and MFA are common in lender environments and complicate headless, automated access
- Document and disclosure handling: Disclosure packages, eSign envelopes, and closing documents need careful upload/download, template, and audit-trail handling
- Module spread: Engagement, Origination, Closing, Vision, and CompenSafe each have their own object models, identifiers, and lifecycle states
- Compliance sensitivity: Mortgage data carries TRID, ESIGN, and state-licensing requirements, so timing, consent, and reason codes must be preserved
How Supergood Creates SimpleNexus APIs
Supergood reverse-engineers SimpleNexus's authenticated web and mobile flows to deliver a resilient API layer for your lender tenant—spanning engagement, origination, closing, and analytics—without waiting on a partner program.
- Handles username/password, SSO, and MFA (SMS, email, TOTP) securely
- Maintains session continuity with automated refresh and change detection
- Normalizes responses across loans, borrowers, documents, disclosures, and pipeline so you integrate once and rely on consistent objects
- Aligns with your LOS field mappings and milestones so loan IDs and statuses reconcile against systems like ICE Encompass
Use SimpleNexus with AI agents: SimpleNexus MCP Server →
Getting Started
- Schedule Integration Assessment
Book a 30-minute session to confirm your modules, LOS configuration, and authentication model.
- Supergood Generates and Validates Your API
We deliver a production-ready SimpleNexus adapter tailored to your tenant, modules, and LOS mappings.
- Deploy with Monitoring
Go live with continuous monitoring and automatic adjustments as SimpleNexus and the nCino Mortgage Suite evolve.
API Endpoints
Authentication
/authenticateAuthenticate to a SimpleNexus tenant using username/password, SSO, or MFA and obtain a session token for downstream calls.
Loans
/loansList loans and applications with filters for status, milestone, loan officer, and date range across the lender's pipeline.
Loans
/create_applicationStart a new loan application (1003/URLA) for a borrower and route it into the lender's origination workflow.
Borrowers
/borrowersRetrieve borrower and co-borrower records with contact details, loan associations, and consent status.
Documents
/documentsPull uploaded documents, disclosure packages, and eSign status for a given loan or borrower.
Documents
/request_documentsIssue a document or disclosure request to a borrower and track delivery and eSign completion.
Use Cases
Sync loan and pipeline data into your warehouse
- Pull active loans, applications, and milestone status from Nexus Origination into a single warehouse - Stream pipeline and production scorecard data from Nexus Vision to downstream BI tools - Reconcile loan IDs and statuses against the lender's LOS, such as ICE Encompass
Automate borrower document and disclosure workflows
- Trigger document and disclosure requests to borrowers without portal clicks - Track eSign envelope status across origination and closing packages - Attach received documents back to the loan record for downstream processing
Keep borrower and loan-officer records in sync
- Sync borrower, co-borrower, and loan-officer records into CRM and marketing systems - Push new pre-application leads from Nexus Engagement into nurture workflows - Surface referral-partner activity for real estate agent relationship tracking
Reconcile compensation and production data
- Pull production scorecards and closed-loan data for incentive calculations - Match originator activity against CompenSafe compensation plans - Feed loan-level financials into accounting and reporting systems
Technical Specifications
Authentication
Username/password, SSO, and MFA (SMS, email, TOTP) handled in a managed session
Connectivity
Authenticated web and mobile-app flows reverse-engineered into a stable API surface
Response format
Normalized JSON across loans, borrowers, documents, disclosures, and pipeline objects
Rate limits
Adaptive throttling tuned to your tenant to avoid SimpleNexus-side limits
Session management
Automatic session refresh, SSO/MFA replay handling, and credential rotation
Data freshness
Near real-time pulls for loan status and documents with optional scheduled batch syncs
Security
Encrypted credential vault, scoped access tokens, SOC 2-aligned controls, and audit logging
Webhooks
Event-style callbacks for application creation, milestone changes, document upload, and eSign completion
Latency
Sub-second reads on cached entities; multi-second writes when posting through origination and disclosure workflows
Throughput
Horizontally scaled workers sized to lender pipeline volume across engagement, origination, and closing
Reliability
Retry, backoff, and idempotency keys for application creation, document requests, and status updates
Adaptation
Continuous monitoring of SimpleNexus and nCino Mortgage Suite releases and lender-specific configuration drift
Frequently asked questions
Yes. SimpleNexus has rebranded into the nCino Mortgage Suite, but the underlying Engagement, Origination, Closing, and analytics surfaces remain. Supergood works against your authenticated tenant regardless of the branding.
No. Supergood works with your existing SimpleNexus entitlements and authenticated sessions, so you don't have to wait on a vendor partner program to get programmatic access.
SimpleNexus sits in front of LOS platforms like ICE Encompass. Supergood aligns to your tenant's field mappings and milestones so loan IDs and statuses reconcile against your LOS rather than forcing a generic schema.
Yes. Supergood reverse-engineers both the web and mobile-native flows, so borrower application, document, and status data captured in the SimpleNexus app is exposed through the same normalized API.
Document, disclosure, and eSign workflows are handled with consent, timing, and audit-trail preservation in mind, aligned to TRID and ESIGN requirements, with encrypted storage and scoped access tokens.