nCino Verifications API

openapi: 3.2.0
info:
  title: nCino Mortgage Verifications API
  description: API framework built from the ground up to be more a robust, forward thinking solution with tools to support our developer community
  version: '1.0'
  license:
    name: Apache 2.0
    url: http://www.apache.org/licenses/LICENSE-2.0.html
servers:
- url: https://api.ncinomortgage.com
  description: Production server
security:
- OAuth2: []
tags:
- name: Verifications
  description: Endpoints pertaining to <<glossary:verification>>s
paths:
  /services/verifications:
    get:
      tags:
      - Verifications
      operationId: verifications-index
      parameters:
      - name: loan_borrower_id
        description: Loan borrower id reports belong to.
        required: false
        in: query
        schema:
          type: string
          format: uuid
      - name: loan_id
        description: Loan id reports belong to.
        required: false
        in: query
        schema:
          type: string
          format: uuid
      - name: report_type
        description: Verification report type by which to filter verification reports.
        required: false
        in: query
        schema:
          $ref: '#/components/schemas/VerificationReportType'
      - $ref: '#/components/parameters/Page'
      - $ref: '#/components/parameters/PageSize'
      - $ref: '#/components/parameters/CreatedAfter'
      - $ref: '#/components/parameters/CreatedBefore'
      - $ref: '#/components/parameters/UpdatedAfter'
      - $ref: '#/components/parameters/UpdatedBefore'
      - $ref: '#/components/parameters/ApiVersionHeader'
      responses:
        '200':
          description: Success
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/VerificationPagination'
          headers:
            X-Api-Version:
              $ref: '#/components/headers/ApiVersionResponseHeader'
            X-Api-Supported-Versions:
              $ref: '#/components/headers/ApiSupportedVersionsResponseHeader'
        '400':
          $ref: '#/components/responses/BadRequestError'
        '401':
          $ref: '#/components/responses/UnauthorizedError'
        '403':
          $ref: '#/components/responses/ForbiddenError'
        '500':
          $ref: '#/components/responses/InternalServerError'
      description: 'This endpoint will retrieve all <<glossary:verification>> records for the provided loan or <<glossary:loan borrower>>.


        > 🙇 Heads up!

        Requires Verifications v2 feature be enabled.'
      summary: Retrieve all verification records
  /services/verifications/{verification_id}/report.{format}:
    get:
      tags:
      - Verifications
      operationId: verifications-download
      parameters:
      - name: format
        description: Format of the report to download.
        required: true
        in: path
        schema:
          type: string
          enum:
          - pdf
          - json
      - name: verification_id
        description: Verification ID.
        required: true
        in: path
        schema:
          type: string
          format: uuid
      - $ref: '#/components/parameters/ApiVersionHeader'
      responses:
        '200':
          description: Success
          content:
            application/octet-stream:
              schema:
                type: string
                format: binary
          headers:
            Content-Disposition:
              $ref: '#/components/headers/ContentDispositionResponseHeader'
            X-Api-Version:
              $ref: '#/components/headers/ApiVersionResponseHeader'
            X-Api-Supported-Versions:
              $ref: '#/components/headers/ApiSupportedVersionsResponseHeader'
        '400':
          $ref: '#/components/responses/BadRequestError'
        '401':
          $ref: '#/components/responses/UnauthorizedError'
        '403':
          $ref: '#/components/responses/ForbiddenError'
        '404':
          $ref: '#/components/responses/NotFoundError'
        '500':
          $ref: '#/components/responses/InternalServerError'
      description: 'This endpoint will download a <<glossary:verification>> report into either .pdf or .json format.


        > 🙇 Heads up!

        Requires Verifications v2 feature be enabled.'
      summary: Download a verification report
  /services/verifications/{verification_id}:
    get:
      tags:
      - Verifications
      operationId: verifications-show
      parameters:
      - name: verification_id
        description: Verification ID.
        required: true
        in: path
        schema:
          type: string
          format: uuid
      - $ref: '#/components/parameters/ApiVersionHeader'
      responses:
        '200':
          description: Success
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Verification'
          headers:
            X-Api-Version:
              $ref: '#/components/headers/ApiVersionResponseHeader'
            X-Api-Supported-Versions:
              $ref: '#/components/headers/ApiSupportedVersionsResponseHeader'
        '400':
          $ref: '#/components/responses/BadRequestError'
        '401':
          $ref: '#/components/responses/UnauthorizedError'
        '403':
          $ref: '#/components/responses/ForbiddenError'
        '404':
          $ref: '#/components/responses/NotFoundError'
        '500':
          $ref: '#/components/responses/InternalServerError'
      description: 'This endpoint will retrieve a <<glossary:verification>> record for the provided loan or <<glossary:loan borrower>>.


        > 🙇 Heads up!

        Requires Verifications v2 feature be enabled.'
      summary: Retrieve a verification record
  /services/verifications/{verification_id}/actions:
    post:
      tags:
      - Verifications
      operationId: verifications-actions
      parameters:
      - name: verification_id
        description: Verification ID.
        required: true
        in: path
        schema:
          type: string
          format: uuid
      - $ref: '#/components/parameters/ApiVersionHeader'
      responses:
        '201':
          description: Created <<glossary:asynchronous job>> to process action
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ResourceCreated'
          headers:
            X-Api-Version:
              $ref: '#/components/headers/ApiVersionResponseHeader'
            X-Api-Supported-Versions:
              $ref: '#/components/headers/ApiSupportedVersionsResponseHeader'
        '204':
          description: No content
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/NoContent'
          headers:
            X-Api-Version:
              $ref: '#/components/headers/ApiVersionResponseHeader'
            X-Api-Supported-Versions:
              $ref: '#/components/headers/ApiSupportedVersionsResponseHeader'
        '412':
          description: Resource is in an invalid state
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorSet'
          headers:
            X-Api-Version:
              $ref: '#/components/headers/ApiVersionResponseHeader'
            X-Api-Supported-Versions:
              $ref: '#/components/headers/ApiSupportedVersionsResponseHeader'
        '400':
          $ref: '#/components/responses/BadRequestError'
        '401':
          $ref: '#/components/responses/UnauthorizedError'
        '403':
          $ref: '#/components/responses/ForbiddenError'
        '404':
          $ref: '#/components/responses/NotFoundError'
        '500':
          $ref: '#/components/responses/InternalServerError'
      description: 'This endpoint allows a variety of actions to be taken on a <<glossary:verification>> record.


        > 📌 Available actions

        **REFRESH_VERIFICATION** - refresh a verification record for the <<glossary:loan borrower>>


        > 🙇 Heads up!

        Requires Verifications v2 feature be enabled.'
      summary: Perform action on a verification record
      requestBody:
        description: ''
        content:
          application/json:
            schema:
              oneOf:
              - $ref: '#/components/schemas/RefreshVerification'
              discriminator:
                propertyName: action
                mapping:
                  REFRESH_VERIFICATION: '#/components/schemas/RefreshVerification'
components:
  headers:
    ContentDispositionResponseHeader:
      description: Additional information about response payload.
      schema:
        type: string
    ApiSupportedVersionsResponseHeader:
      description: API supported versions for endpoint.
      schema:
        type: string
    ApiVersionResponseHeader:
      description: API version.
      schema:
        type: string
  responses:
    ForbiddenError:
      description: Forbidden
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorSet'
      headers:
        X-Api-Version:
          $ref: '#/components/headers/ApiVersionResponseHeader'
        X-Api-Supported-Versions:
          $ref: '#/components/headers/ApiSupportedVersionsResponseHeader'
    InternalServerError:
      description: Internal server error
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorSet'
      headers:
        X-Api-Version:
          $ref: '#/components/headers/ApiVersionResponseHeader'
        X-Api-Supported-Versions:
          $ref: '#/components/headers/ApiSupportedVersionsResponseHeader'
    NotFoundError:
      description: Not found
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorSet'
      headers:
        X-Api-Version:
          $ref: '#/components/headers/ApiVersionResponseHeader'
        X-Api-Supported-Versions:
          $ref: '#/components/headers/ApiSupportedVersionsResponseHeader'
    UnauthorizedError:
      description: Unauthorized
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorSet'
      headers:
        X-Api-Version:
          $ref: '#/components/headers/ApiVersionResponseHeader'
        X-Api-Supported-Versions:
          $ref: '#/components/headers/ApiSupportedVersionsResponseHeader'
    BadRequestError:
      description: Bad request
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorSet'
      headers:
        X-Api-Version:
          $ref: '#/components/headers/ApiVersionResponseHeader'
        X-Api-Supported-Versions:
          $ref: '#/components/headers/ApiSupportedVersionsResponseHeader'
  schemas:
    RefreshVerification:
      allOf:
      - $ref: '#/components/schemas/VerificationAction'
      - type: object
        properties:
          days_back:
            type: integer
            description: 'Number of days back for which the report will verify.

              Valid values include: 30, 60, 90, 180, 360, 720'
        required:
        - days_back
        additionalProperties: false
      description: Available properties for refreshing a verification for a loan borrower.
    AbstractResourceModel:
      allOf:
      - $ref: '#/components/schemas/AbstractModel'
      - type: object
        properties:
          id:
            type: string
            format: uuid
            description: Unique identifier for the record.
        required:
        - id
        additionalProperties: false
    NoContent:
      type: object
      properties: {}
      additionalProperties: false
    Error:
      type: object
      properties:
        id:
          type: string
          description: A unique ID (useful as a reference when debugging an error with support)
        status:
          type: integer
          description: The HTTP status code
        title:
          type: string
          description: A generic title
        detail:
          type: string
          description: A detailed message
        _links:
          type: object
          description: A list of relevant links
      required:
      - id
      - status
      - title
      example:
        id: 123abc
        status: 400
        title: Generic title for the error
        detail: Detailed message for the error
        _links:
          resource: contextual resource if applicable
    ResourceCreated:
      allOf:
      - $ref: '#/components/schemas/AbstractResourceModel'
      description: Resource created model
    AbstractModel:
      type: object
      properties:
        _self:
          type: string
          description: The model's resource link to itself.
        _type:
          type: string
          description: The model's type.
        _links:
          type: object
          description: A list of links for the model's associations.
      required:
      - _self
      - _type
      additionalProperties: false
    VerificationAction:
      type: object
      properties:
        action:
          type: string
          enum:
          - REFRESH_VERIFICATION
          description: Action to perform.
      required:
      - action
      description: Available properties for a verification action
      additionalProperties: false
    ErrorSet:
      type: object
      properties:
        errors:
          type: array
          items:
            $ref: '#/components/schemas/Error'
      required:
      - errors
      example:
        errors:
        - id: 123abc
          status: 400
          title: Generic title for the error
          detail: Detailed message for the error
          _links:
            resource: contextual resource if applicable
    VerificationPagination:
      allOf:
      - $ref: '#/components/schemas/AbstractPagination'
      - type: object
        properties:
          contents:
            type: array
            items:
              $ref: '#/components/schemas/Verification'
        required:
        - contents
    VerificationReportType:
      type: string
      enum:
      - BOTH
      - DOC_VOI_MORTGAGE
      - DVOE
      - VOA
      - VOAI
      - VOA_HISTORY
      - VOE
      - VOE_MORTGAGE
      - VOE_PAYROLL
      - VOE_TRANSACTIONS
      - VOI
      - VOIE
      - VOIE_MORTGAGE
      - VOIE_PAYROLL
      - VOIE_TX_VERIFY
      description: Types of verification reports.
    AbstractPagination:
      allOf:
      - $ref: '#/components/schemas/AbstractCollection'
      - type: object
        properties:
          total_pages:
            type: integer
            description: The total number of pages in the collection.
          total:
            type: integer
            description: The total number of items in the collection.
        additionalProperties: false
    AbstractCollection:
      allOf:
      - $ref: '#/components/schemas/AbstractModel'
      - type: object
        properties:
          contents:
            type: array
            items:
              type: object
            description: The contents for the collection.
        required:
        - contents
        additionalProperties: false
    Verification:
      allOf:
      - $ref: '#/components/schemas/AbstractVerification'
      description: Verification model
    AbstractVerification:
      allOf:
      - $ref: '#/components/schemas/AbstractResourceModel'
      - type: object
        properties:
          created_at:
            type: string
            format: date-time
            description: Timestamp of when the verification report record was created.
          updated_at:
            type: string
            format: date-time
            description: Timestamp of when the verification report record was last updated.
          completed_at:
            type:
            - string
            - 'null'
            format: date-time
            description: Timestamp of when the verification report was completed.
          report_type:
            type: string
            description: Verification report's type.
        required:
        - created_at
        - report_type
        additionalProperties: false
      description: Abstract verification model
  parameters:
    ApiVersionHeader:
      name: X-Api-Version
      description: Specify API version, for example '1.0'. By default, the version configured in the company settings is used.
      required: false
      in: header
      schema:
        type: string
    CreatedBefore:
      name: created_before
      description: The date which a resource must be created before to be returned.
      required: false
      in: query
      schema:
        type: string
        format: date-time
    UpdatedBefore:
      name: updated_before
      description: The date which a resource must be updated before to be returned.
      required: false
      in: query
      schema:
        type: string
        format: date-time
    Page:
      name: page
      description: The page to retrieve.
      required: false
      in: query
      schema:
        type: integer
    UpdatedAfter:
      name: updated_after
      description: The date which a resource must be updated after to be returned.
      required: false
      in: query
      schema:
        type: string
        format: date-time
    PageSize:
      name: page_size
      description: The number of records returned in each page.
      required: false
      in: query
      schema:
        type: integer
    CreatedAfter:
      name: created_after
      description: The date which a resource must be created after to be returned.
      required: false
      in: query
      schema:
        type: string
        format: date-time
  securitySchemes:
    OAuth2:
      type: oauth2
      description: OAuth 2.0 Access Token (Default)
      flows:
        clientCredentials:
          tokenUrl: /oauth/token
          scopes: {}