SimpleNexus

SimpleNexus was a mobile-first digital homeownership and mortgage platform, backed by Insight Partners, that connected loan officers, borrowers, real estate agents, and settlement teams across the loan lifecycle. It was acquired by nCino and its product is now delivered as the nCino Mortgage Suite. The developer API has been rehosted at developer.ncinomortgage.com as the nCino Mortgage API, which is explicitly built to replace the legacy SimpleNexus API (v0-SNAPI). The current API is an OAuth 2.0 REST API (base URL https://api.ncinomortgage.com) whose initial release covers Organization and User Management — company administration, branch management, user provisioning — plus a modern webhook flow with delivery retries, event filtering, and increased security.

SimpleNexus is listed with 1 API on the APIs.io network. Tagged areas include Company, Mortgage, Lending, Fintech, and Financial Services.

The SimpleNexus catalog on APIs.io includes 1 event-driven AsyncAPI specification.

SimpleNexus’ developer surface includes documentation, API reference, getting-started guide, support, authentication, and 10 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

30.7/100 thin ▲ 5.3 Agent 20/100 agent aware Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessSelf serve

1 API

Company Mortgage Lending Fintech Financial Services Homeownership Real Estate Webhook

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 30.7/100 · thin

Contract Quality 8.3 / 21

Developer Ergonomics 8.5 / 17

Access Clarity 0.0 / 17

Operational Transparency 1.7 / 11

Contract Governance 1.9 / 10

Discoverability 6.2 / 9

Regulatory Posture 1.6 / 15

Agent readiness — 20/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)

10 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 0.0 — up to +20.0 composite points
Contract Quality scores 39.0 — up to +15.3 composite points
Operational Transparency scores 15.8 — up to +10.9 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/simplenexus/apis.yml: open an issue on github.com/api-evangelist/simplenexus to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

nCino Mortgage API (formerly SimpleNexus API)

OAuth 2.0 REST API that replaces the legacy SimpleNexus API. The initial release covers Organization and User Management (companies, branches, users) and a modern webhook flow w...

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Simplenexus Webhooks

ASYNCAPI

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Simplenexus Authentication

oauth2 · 1 scheme

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 4

Pagination, idempotency, versioning, errors, and events

Webhooks

Lifecycle

Conformance

Conventions

Build 1

SDKs, sample code, and the tooling you integrate with

Postman

Postman

Access & Security 1

Authentication, authorization, and security posture

Authentication

Authentication

Operate 2

Status, limits, changes, and where to get help

Support

Support

Deprecation

Deprecation

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: simplenexus
name: SimpleNexus
description: SimpleNexus was a mobile-first digital homeownership and mortgage platform, backed by Insight Partners, that
  connected loan officers, borrowers, real estate agents, and settlement teams across the loan lifecycle. It was acquired
  by nCino and its product is now delivered as the nCino Mortgage Suite. The developer API has been rehosted at developer.ncinomortgage.com
  as the nCino Mortgage API, which is explicitly built to replace the legacy SimpleNexus API (v0-SNAPI). The current API is
  an OAuth 2.0 REST API (base URL https://api.ncinomortgage.com) whose initial release covers Organization and User Management
  — company administration, branch management, user provisioning — plus a modern webhook flow with delivery retries, event
  filtering, and increased security.
url: https://raw.githubusercontent.com/api-evangelist/simplenexus/refs/heads/main/apis.yml
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Self-serve signup
  confidence: low
  source:
  - authentication
  generated: '2026-11-06'
  method: derived
image: https://images.simplenexus.com/company/logo/111230/04953f06-848b-4695-9610-f1deeb015708.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- insight-partners
x-tier: stub
x-tier-reason: portfolio-lead
x-acquired-by: ncino
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-04
tags:
- Company
- Mortgage
- Lending
- Fintech
- Financial Services
- Homeownership
- Real Estate
- Webhook
tags_raw:
- Company
- Mortgage
- Lending
- Fintech
- Financial Services
- Homeownership
- Real Estate
- Webhooks
- Financial-Services
- Real-Estate
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- name: nCino Mortgage API (formerly SimpleNexus API)
  description: OAuth 2.0 REST API that replaces the legacy SimpleNexus API. The initial release covers Organization and User
    Management (companies, branches, users) and a modern webhook flow with delivery retries, event filtering, and increased
    security.
  humanURL: https://developer.ncinomortgage.com/mortgage
  baseURL: https://api.ncinomortgage.com
  tags:
  - Mortgage
  - Lending
  - Webhook
  tags_raw:
  - Mortgage
  - Lending
  - Webhooks
  properties:
  - type: Documentation
    url: https://developer.ncinomortgage.com/mortgage/docs/getting-started
  - type: APIReference
    url: https://developer.ncinomortgage.com/mortgage/reference
  - type: Authentication
    url: authentication/simplenexus-authentication.yml
  - type: Webhooks
    url: asyncapi/simplenexus-webhooks.yml
common:
- type: Website
  url: https://www.ncino.com/mortgage/us
- type: DeveloperPortal
  url: https://developer.ncinomortgage.com/mortgage
- type: Documentation
  url: https://developer.ncinomortgage.com/mortgage/docs/getting-started
- type: APIReference
  url: https://developer.ncinomortgage.com/mortgage/reference
- type: GettingStarted
  url: https://developer.ncinomortgage.com/mortgage/docs/getting-started
- type: Support
  url: https://mortgagehelp.ncino.com
- type: Postman
  url: https://developer.ncinomortgage.com/mortgage/docs/postman-collection
- type: Authentication
  url: authentication/simplenexus-authentication.yml
- type: Webhooks
  url: asyncapi/simplenexus-webhooks.yml
- type: Lifecycle
  url: lifecycle/simplenexus-lifecycle.yml
- type: Deprecation
  url: lifecycle/simplenexus-lifecycle.yml
- type: Conformance
  url: conformance/simplenexus-conformance.yml
- type: Conventions
  url: conventions/simplenexus-conventions.yml
- type: WellKnown
  url: well-known/simplenexus-well-known.yml
- type: LLMsTxt
  url: llms/simplenexus-llms.txt
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 7
  pass: local-v1
x-parent: ncino
x-relationship: product

SimpleNexus API — frequently asked questions

Does SimpleNexus have an API?

Yes. APIs.io lists 1 API from SimpleNexus, including nCino Mortgage API (formerly SimpleNexus API).

How do I authenticate with the SimpleNexus API?

SimpleNexus uses bearer-token authentication (oauth2 · 1 scheme). The details are profiled on APIs.io as Simplenexus Authentication.

Is the SimpleNexus API ready for AI agents?

SimpleNexus has a Kin Score of 30.7 out of 100 (thin) and an Agent Readiness score of 19.8 (agent-aware), scored by API Evangelist on 2026-11-06.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

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