LO MCP Server


Endpoint	`https://ncinomortgage.com/mcp/lo`
Audience	Loan officers
Prerequisite	LO MCP Server enabled for your company

For shared setup, OAuth, access controls, and troubleshooting, see MCP Connectors.

Connect in Claude

Open Claude → Settings → Connectors.
Click Add connector.
Enter the MCP server URL:
https://ncinomortgage.com/mcp/lo
Complete the OAuth sign-in flow with your nCino Mortgage credentials.
Enable the connector in your conversations.

Available tools

Tool names are prefixed with ncino_mortgage_ when exposed to MCP clients (for example, list_loans → ncino_mortgage_list_loans). All tools return JSON matching the nCino Mortgage API schemas. List endpoints support page and page_size for pagination.

Automated Underwriting (AUS)

run_aus

Run Automated Underwriting (AUS) on a loan. Submits the loan application to Desktop Underwriter (DU) or Loan Product Advisor (LPA). Returns the finding status; results arrive asynchronously.

Param	Type	Description
`loan_number`	string	The loan number (e.g. "TEST260526857").
`loan_guid`	string	The loan GUID (UUID).
`loan_id`	integer	The loan integer ID.
`loan_application_id`	string	Loan application GUID (UUID). If provided, runs AUS directly on this loan application without requiring a loan lookup.
`provider`	enum (`du`/`lpa`)	AUS provider: "du" (Desktop Underwriter) or "lpa" (Loan Product Advisor). Defaults to "du".

fetch_aus_history

Get AUS (Automated Underwriting) order log for a loan. Returns finding records from nCino including status, recommendation, provider, submission date, submitted_by, and errors.

Param	Type	Description
`loan_number`	string	The loan number (e.g. "TEST260526857").
`loan_guid`	string	The loan GUID (UUID).
`loan_id`	integer	The loan integer ID.
`loan_application_id`	string	Loan application GUID (UUID). If provided, retrieves findings for this loan application directly.
`provider`	enum (`du`/`lpa`)	Filter by AUS provider. Returns all providers if omitted.

Loans

list_loans

List loans with optional filters. Returns paginated results.

Param	Type	Description
`org_id`	string	Organization (company, region, or branch) ID to filter loans by.
`loan_officer_id`	string	Loan officer ID to filter loans by.
`user_borrower_id`	string	User borrower ID to filter loans by.
`loan_type`	string	Loan type to filter loans by.
`loan_purpose`	string	Loan purpose to filter loans by.
`is_active`	boolean	Filter by active status. Defaults to true.
`page`	integer	Page number.
`page_size`	integer	Number of results per page.

get_loan

Retrieve a single loan by ID.

Param	Type	Required	Description
`loan_id`	string	✅	The loan ID (UUID).

create_loan

Create a new loan record.

Param	Type	Required	Description
`loan_officer_id`	string	✅	Loan officer ID (UUID).
`loan_number`	string	✅	Loan number.
`type`	string		Loan type (e.g. Conventional, FHA, VA).
`purpose`	string		Loan purpose (e.g. Purchase, Refinance).
`amount`	number		Loan amount.
`closing_date`	string		Closing date (YYYY-MM-DD).
`interest_rate`	number		Interest rate.
`loan_term_months`	integer		Loan term in months.
`occupancy_status`	string		Occupancy status.
`property`	object		Property info (street, city, state, zip, county, purchase_price, appraised_value, estimated_value, num_of_stories, num_of_units).

update_loan

Update a loan record.

Param	Type	Required	Description
`loan_id`	string	✅	Loan ID (UUID).
`type`	string		Loan type.
`purpose`	string		Loan purpose.
`amount`	number		Loan amount.
`closing_date`	string		Closing date (YYYY-MM-DD).
`interest_rate`	number		Interest rate.
`loan_term_months`	integer		Loan term in months.
`occupancy_status`	string		Occupancy status.
`rate_locked`	boolean		Whether the rate is locked.
`first_time_buyer`	boolean		Whether the borrower is a first-time buyer.
`additional_comments`	string		Additional comments.
`property`	object		Property info (street, city, state, zip, county, purchase_price, appraised_value, estimated_value, num_of_stories, num_of_units).

Loan Borrowers

list_loan_borrowers

List borrowers on a loan. Returns paginated results.

Param	Type	Required	Description
`loan_id`	string	✅	Loan ID (UUID).
`pair_index`	integer		Filter by pair index.
`page`	integer		Page number.
`page_size`	integer		Number of results per page.

get_loan_borrower

Retrieve a single loan borrower by ID.

Param	Type	Required	Description
`loan_id`	string	✅	Loan ID (UUID).
`borrower_id`	string	✅	Borrower ID (UUID).

create_loan_borrower

Create a loan borrower record on a loan.

Param	Type	Required	Description
`loan_id`	string	✅	Loan ID (UUID).
`first_name`	string	✅	Borrower's first name.
`last_name`	string	✅	Borrower's last name.
`middle_name`	string		Borrower's middle name.
`suffix`	string		Borrower's suffix.
`email`	string		Borrower's email.
`marital_status`	enum (`MARRIED`/`SEPARATED`/`UNMARRIED`)		Borrower's marital status.
`dob`	string		Borrower's date of birth (YYYY-MM-DD).
`cell_phone`	string		Borrower's cell phone.
`work_phone`	string		Borrower's work phone.
`home_phone`	string		Borrower's home phone.
`ssn`	string		Borrower's SSN.
`current_address`	object		Borrower's current address (street1, street2, city, state, zip).
`mailing_address`	object		Borrower's mailing address (street1, street2, city, state, zip).

update_loan_borrower

Update a loan borrower record.

Param	Type	Required	Description
`loan_id`	string	✅	Loan ID (UUID).
`borrower_id`	string	✅	Borrower ID (UUID).
`first_name`	string		Borrower's first name.
`last_name`	string		Borrower's last name.
`middle_name`	string		Borrower's middle name.
`suffix`	string		Borrower's suffix.
`email`	string		Borrower's email.
`marital_status`	enum (`MARRIED`/`SEPARATED`/`UNMARRIED`)		Borrower's marital status.
`dob`	string		Borrower's date of birth (YYYY-MM-DD).
`cell_phone`	string		Borrower's cell phone.
`work_phone`	string		Borrower's work phone.
`home_phone`	string		Borrower's home phone.
`ssn`	string		Borrower's SSN.
`current_address`	object		Borrower's current address (street1, street2, city, state, zip).
`mailing_address`	object		Borrower's mailing address (street1, street2, city, state, zip).

Loan Applications

list_loan_applications

List loan applications with optional filters.

Param	Type	Description
`org_id`	string	Organization ID (UUID) to filter by.
`loan_officer_id`	string	Loan officer ID (UUID) to filter by.
`user_borrower_id`	string	User borrower ID (UUID) to filter by.
`is_active`	boolean	Filter by active status.
`loan_id`	string	Loan ID (UUID) to filter by.
`page`	integer	Page number.
`page_size`	integer	Number of results per page.

get_loan_application

Get a loan application by ID.

Param	Type	Required	Description
`loan_application_id`	string	✅	Loan application ID (UUID).

create_loan_application

Create a new loan application.

Param	Type	Required	Description
`email`	string	✅	Borrower's email address.
`loan_officer_id`	string		Loan officer ID (UUID) to assign.
`first_name`	string		Borrower's first name.
`last_name`	string		Borrower's last name.
`borrower_cell_phone`	string		Borrower's cell phone.
`borrower_home_phone`	string		Borrower's home phone.
`borrower_contact_work_phone`	string		Borrower's work phone.
`dob`	string		Borrower's date of birth (YYYY-MM-DD).
`ssn`	string		Borrower's SSN.
`marital_status`	string		Borrower's marital status.
`loan_purpose`	string		Loan purpose.
`loan_amount`	integer		Loan amount.
`property_type`	string		Property type.
`occupancy_type`	string		Occupancy type.
`property_street`	string		Property street address.
`property_city`	string		Property city.
`property_state`	string		Property state.
`property_zip`	string		Property ZIP code.
`estimated_property_value`	integer		Estimated property value.
`purchase_price`	integer		Purchase price.

update_loan_application

Update a loan application.

Param	Type	Required	Description
`loan_application_id`	string	✅	Loan application ID (UUID).
`first_name`	string		Borrower's first name.
`last_name`	string		Borrower's last name.
`borrower_cell_phone`	string		Borrower's cell phone.
`borrower_home_phone`	string		Borrower's home phone.
`borrower_contact_work_phone`	string		Borrower's work phone.
`dob`	string		Borrower's date of birth (YYYY-MM-DD).
`ssn`	string		Borrower's SSN.
`marital_status`	string		Borrower's marital status.
`loan_purpose`	string		Loan purpose.
`loan_amount`	integer		Loan amount.
`property_type`	string		Property type.
`occupancy_type`	string		Occupancy type.
`property_street`	string		Property street address.
`property_city`	string		Property city.
`property_state`	string		Property state.
`property_zip`	string		Property ZIP code.
`estimated_property_value`	integer		Estimated property value.
`purchase_price`	integer		Purchase price.

Borrowers

send_borrower_welcome_email

Send a welcome email to a borrower.

Param	Type	Required	Description
`user_borrower_id`	string	✅	Borrower account ID (UUID).

Partners

list_partners

List partners for a loan officer.

Param	Type	Required	Description
`loan_officer_id`	string	✅	Loan officer ID (UUID).
`email`	string		Filter by partner email.
`accepted_invite`	boolean		Filter by accepted invite status.
`page`	integer		Page number.
`page_size`	integer		Number of results per page.

get_partner

Get a partner by ID.

Param	Type	Required	Description
`loan_officer_id`	string	✅	Loan officer ID (UUID).
`partner_id`	string	✅	Partner ID (UUID).

create_partner

Create a partner for a loan officer.

Param	Type	Required	Description
`loan_officer_id`	string	✅	Loan officer ID (UUID).
`first_name`	string	✅	Partner's first name.
`last_name`	string	✅	Partner's last name.
`email`	string	✅	Partner's email.
`mobile_phone`	string		Partner's phone number.
`professional_title`	string		Partner's professional title.
`list_partner_first`	boolean		Whether the partner is listed first.
`is_cobranded`	boolean		Whether the partner is cobranded.
`address`	object		Partner's address (street1, street2, city, state, zip).

update_partner

Update a partner record.

Param	Type	Required	Description
`loan_officer_id`	string	✅	Loan officer ID (UUID).
`partner_id`	string	✅	Partner ID (UUID).
`first_name`	string		Partner's first name.
`last_name`	string		Partner's last name.
`mobile_phone`	string		Partner's phone number.
`professional_title`	string		Partner's professional title.
`list_partner_first`	boolean		Whether the partner is listed first.
`is_cobranded`	boolean		Whether the partner is cobranded.
`address`	object		Partner's address (street1, street2, city, state, zip).

enable_partner

Re-enable a disabled partner.

Param	Type	Required	Description
`loan_officer_id`	string	✅	Loan officer ID (UUID).
`partner_id`	string	✅	Partner ID (UUID).

disable_partner

Disable a partner.

Param	Type	Required	Description
`loan_officer_id`	string	✅	Loan officer ID (UUID).
`partner_id`	string	✅	Partner ID (UUID).

send_partner_invite

Send an invite email to a partner.

Param	Type	Required	Description
`loan_officer_id`	string	✅	Loan officer ID (UUID).
`partner_id`	string	✅	Partner ID (UUID).