Connect Newrez loan accounts, payments, escrow and statements to your stack — safely
Newrez is the consumer servicing app for Newrez LLC (NMLS #3013), a member of the Rithm Capital family of companies and parent of third-party servicing brand Shellpoint Mortgage Servicing. The app exposes a borrower's current loan snapshot, payment scheduling, escrow detail, document downloads and origination-to-funding loan status. We turn those authorized borrower-facing flows into clean REST APIs your reconciliation, lending CRM, personal-finance or compliance systems can call.
- Loan-level financials — principal balance, next payment, due date, recent activity, interest rate and amortization context.
- Payment & escrow records — one-time, pending and recurring payments; escrow breakdown for taxes and insurance.
- Documents & status — e-statements, year-end 1098 tax forms, and loan status from application through funding.
What we deliver
Engagements are scoped around concrete data needs, not vague "access". A typical Newrez integration package ships an OpenAPI specification, an auth-flow report, runnable source for the endpoints you asked for, automated tests, and written compliance guidance covering mortgage-servicing and privacy rules. You can take the source code outright or call our hosted endpoints per request.
Deliverables checklist
- API specification (OpenAPI / Swagger) for loan, payment, escrow and document endpoints
- Protocol & auth-flow report: login, MFA challenge, token refresh, session/cookie chain
- Runnable source (Python / Node.js) for loan snapshot, payment history and statement export
- Webhook / polling worker for loan status changes (application → funding)
- Automated tests, Postman collection and API documentation
- Compliance notes: RESPA/Reg X, TILA/Reg Z, GLBA Reg P, FTC Safeguards Rule, NMLS licensing context
Engagement models
- Source-code delivery from $300 — you receive runnable API source code plus documentation; you pay after delivery once you are satisfied with the result.
- Pay-per-call API billing — call our hosted Newrez integration endpoints and pay only for the requests you make, with no upfront cost; convenient for teams that prefer usage-based pricing.
- NDA and data-processing terms available on request before any analysis begins.
Feature modules
Loan snapshot & balance API
Returns the same "current loan" view the Newrez app shows on its home screen: unpaid principal balance, next scheduled payment amount and date, recent activity, interest rate and basic loan terms. Concrete use: a credit union pulls this nightly into its core banking system so member statements show an up-to-date mortgage balance without manual entry.
Payment history & scheduling API
Exposes posted payments, pending payments, recurring/autopay configuration and one-time payment submission. Concrete use: an accounting tool reconciles mortgage debits against a household budget and flags a missed or duplicate payment automatically instead of waiting for the next paper statement.
Escrow breakdown API
Returns the escrow portion of each payment split into property taxes and homeowners (and, where applicable, flood/PMI) lines, plus escrow balance. Concrete use: a wealth-advisory dashboard projects a client's annual housing carrying cost and warns when an escrow shortage will raise the monthly payment.
Document & 1098 export API
Lists and retrieves monthly e-statements and the year-end 1098 mortgage interest statement as PDF, with parsed key fields (interest paid, points, property taxes) returned as JSON. Concrete use: a tax-prep platform imports the 1098 directly so the mortgage-interest deduction is pre-filled at filing time.
Loan status & pipeline API
Tracks an origination from application through processing, underwriting, approval and funding, and emits webhook events on each transition. Concrete use: a real-estate brokerage CRM shows the agent and the borrower a live status timeline instead of phone-tag with the loan officer.
Account & authorization API
Mirrors the app's login and authorization: credential check, multi-factor challenge, session/token issue and refresh, and multi-loan account binding for borrowers (or third-party servicing relationships under Shellpoint Mortgage Servicing). Concrete use: an aggregator binds a user's Newrez login once and keeps the link alive with silent token refresh.
Data available for integration (OpenData perspective)
The table below maps each Newrez data type to the screen or feature it comes from, the granularity you can expect, and the typical downstream use. All extraction is performed under borrower authorization or documented authorized access — never by circumventing security controls.
| Data type | Source (screen / feature) | Granularity | Typical use |
|---|---|---|---|
| Loan snapshot & balance | Home / "current loan" view | Per loan, near real-time | Net-worth dashboards, core-banking sync, refinance triggers |
| Payment history | Payments & activity | Per transaction, dated | Reconciliation, cash-flow analytics, delinquency monitoring |
| Pending & recurring payments | Payment options / autopay | Per scheduled item | Budgeting alerts, double-pay prevention, autopay audits |
| Escrow breakdown | Escrow detail | Per payment line (tax / insurance / PMI) | Housing-cost forecasting, escrow-shortage warnings |
| Statements & documents | Documents / e-statements | Per month, PDF + parsed fields | Document vaults, audit trails, lender disclosures |
| Year-end 1098 tax form | Tax documents | Annual, structured fields | Tax-prep import, mortgage-interest deduction |
| Loan status / pipeline | Loan status (application → funding) | Event-level milestones | Origination CRMs, borrower status timelines |
| Account & profile metadata | Profile / account settings | Per user / per loan link | KYC linkage, consent management, multi-loan binding |
Typical integration scenarios
Each scenario below names the business context, the data or API involved, and how it maps onto OpenData / OpenFinance / OpenBanking patterns. These are illustrative architectures, not claims of an existing Newrez partnership.
1. Personal-finance aggregation
Context: a budgeting app wants a household's full liability picture. Data/API: loan snapshot + payment history + escrow breakdown, refreshed daily. OpenFinance mapping: behaves like an account-information service — read-only, consent-scoped, with revocation — so the mortgage line sits next to bank and card accounts in one ledger.
2. Accounting & bookkeeping reconciliation
Context: a small-business or rental-property owner needs mortgage debits matched to their books. Data/API: payment history API (date, amount, principal/interest/escrow split) exported to CSV/JSON and pushed to the ledger. OpenBanking mapping: a transaction feed normalized to a standard schema, deduplicated, and reconciled against bank statement lines.
3. Tax-season 1098 import
Context: a tax-prep platform wants to pre-fill the mortgage-interest deduction. Data/API: document export API retrieves the year-end 1098 PDF and returns parsed fields — mortgage interest received, points paid, real-estate taxes, outstanding principal at year start. OpenData mapping: a structured document feed with field-level provenance back to the source statement.
4. Loan-status timeline for a brokerage CRM
Context: a real-estate or loan-officer CRM wants to show purchase and refinance progress live. Data/API: loan status API + webhook events on each milestone (application, processing, underwriting, conditional approval, clear-to-close, funded). OpenFinance mapping: an event stream where each transition is an immutable, timestamped fact the CRM can render without polling.
5. Home-equity & refinance opportunity detection
Context: a lender or wealth platform wants to spot when a borrower could benefit from a refinance or HELOC. Data/API: loan snapshot (rate, balance, term remaining) combined with an external home-value estimate to compute equity and break-even. OpenData mapping: a derived analytics product built on consented loan attributes, surfaced as an alert with an audit trail of the inputs used.
Technical implementation
The snippets below are simplified pseudo-code that shows the shape of a Newrez integration: token-based auth with an MFA step, paged statement queries, document retrieval, and a webhook for loan-status changes. Field names are illustrative; the delivered SDK ships exact schemas and error tables.
1) Authenticate & handle MFA
POST /api/v1/newrez/auth/login
Content-Type: application/json
{ "username": "borrower@example.com", "password": "<secret>" }
-> 200 { "mfa_required": true, "mfa_token": "<tmp>",
"channels": ["sms", "email"] }
POST /api/v1/newrez/auth/mfa
{ "mfa_token": "<tmp>", "code": "123456" }
-> 200 { "access_token": "<jwt>", "refresh_token": "<rt>",
"expires_in": 1800, "loans": ["LN-0098123", "LN-0098555"] }
2) Loan snapshot & payment history
GET /api/v1/newrez/loans/LN-0098123/snapshot
Authorization: Bearer <jwt>
-> 200 {
"unpaid_principal": 248120.55,
"interest_rate": 6.125,
"next_payment": { "amount": 1842.10, "due_date": "2026-06-01" },
"escrow_balance": 3120.40
}
GET /api/v1/newrez/loans/LN-0098123/payments?from=2026-01-01&to=2026-05-01&page=1
-> 200 { "items": [ { "date":"2026-04-01","amount":1842.10,
"principal":612.33,"interest":1268.55,"escrow":-38.78 } ],
"next_page": null }
3) Statement & 1098 document export
GET /api/v1/newrez/loans/LN-0098123/documents?type=statement&year=2026
-> 200 { "items": [ { "id":"DOC-2026-04","period":"2026-04",
"format":"pdf","url":"/documents/DOC-2026-04/content" } ] }
GET /api/v1/newrez/loans/LN-0098123/documents/DOC-1098-2025/parsed
-> 200 { "tax_year": 2025, "mortgage_interest_received": 15123.88,
"points_paid": 0.00, "real_estate_taxes": 4880.00,
"outstanding_principal_jan1": 251004.12 }
4) Loan-status webhook + error handling
POST {your_endpoint} // we deliver to your callback URL
{ "event": "loan.status.changed", "loan_id": "LN-NEW-7741",
"from": "underwriting", "to": "clear_to_close",
"occurred_at": "2026-05-11T14:22:05Z" }
// Error envelope (all endpoints)
-> 401 { "error": "token_expired", "retry": "refresh" }
-> 429 { "error": "rate_limited", "retry_after": 30 }
-> 423 { "error": "mfa_challenge_required" }
Data flow / architecture
A minimal pipeline looks like: Newrez app flows / authorized feed → Ingestion & auth service (login, MFA, token refresh, rate-limit handling) → Normalization & storage (loan, payment, escrow, document tables; PDFs in object storage) → Delivery layer (your REST API, scheduled CSV/JSON exports, or loan-status webhooks). Each hop logs who accessed what and under which consent, so the trail satisfies servicing-audit and privacy reviews.
Compliance & privacy
Mortgage servicing data is among the most heavily regulated consumer data in the United States, and our deliverables are built to respect that. Integrations operate only under explicit borrower authorization or documented, authorized access paths; we do not bypass authentication, rate limits, or other protections.
- CFPB mortgage-servicing rules — RESPA (Regulation X) and the Truth in Lending Act (Regulation Z) govern statements, escrow disclosures, and error-resolution; our document and payment APIs preserve the data needed to honor those obligations. See the CFPB Regulation X reference.
- GLBA / Regulation P — nonpublic personal information is handled with privacy-notice awareness and opt-out logic; data sharing with nonaffiliated third parties is scoped and logged.
- FTC Safeguards Rule — multi-factor authentication, encryption in transit and at rest, access logging, and monitoring are part of the reference implementation, not afterthoughts.
- State licensing context — Newrez LLC operates under NMLS #3013 and is licensed in all 50 states; we keep licensing and disclosure references in the delivery docs so your use stays aligned.
- Data minimization & retention — we recommend pulling only the fields a use case needs, with retention windows and deletion hooks built in.
Market positioning & user profile
Newrez is a primarily B2C app for U.S. homeowners servicing a mortgage with Newrez LLC or its third-party servicing brand Shellpoint Mortgage Servicing; it covers all 50 states and ships on both Android and iOS. Newrez ended 2025 as the third-largest mortgage servicer in the U.S. with roughly $850 billion in unpaid principal balance and the fifth-largest mortgage lender, with about 30% of its servicing book being fee-based third-party servicing. In February 2026, parent Rithm Capital expanded its partnership with Valon Technologies and announced plans to roll Valon's AI-native servicing platform, ValonOS, across Newrez's operations by 2027 — a signal that the servicing data layer the app sits on is being modernized. Newrez was also named a 2025 Fannie Mae STAR Performer for the fourth consecutive year. Typical integration buyers are not the homeowners themselves but B2B builders: personal-finance aggregators, accounting and tax-prep platforms, credit unions and banks syncing member mortgage data, real-estate and loan-officer CRMs, and wealth/home-equity analytics tools.
Screenshots
App screens from the Newrez listing. Click any thumbnail to enlarge.
Similar apps & integration landscape
Newrez sits inside a broad U.S. mortgage origination and servicing ecosystem. The apps below are part of that landscape; teams that work with Newrez data often need the same loan, payment and escrow exports across one or more of these as well. This is context, not a ranking.
- Mr. Cooper — one of the largest U.S. servicers; its app holds loan balances, payment history and escrow data, and (now affiliated with Rocket) is a frequent target for unified mortgage-transaction exports.
- Rocket Mortgage — origination and servicing app with application status, payment and document data; teams aggregating across servicers often want a normalized feed that includes Rocket alongside Newrez.
- PennyMac — national lender/servicer whose portal exposes statements, escrow analysis and payment options similar in shape to Newrez's data model.
- loanDepot — digital lender with origination pipeline status and servicing details that map naturally onto the same loan-status and payment APIs described here.
- Guild Mortgage — retail lender/servicer; borrowers with loans there plus a Newrez loan are exactly the household-aggregation case in scenario 1.
- RoundPoint Mortgage Servicing — a servicing-focused brand whose statement and escrow data is structurally close to Shellpoint's, making cross-servicer reconciliation a common request.
- CrossCountry Mortgage — retail lender with purchase, refinance and home-equity products; loan-status timelines for a CRM apply the same way as scenario 4.
- United Wholesale Mortgage (UWM) — the largest U.S. lender by volume; its broker-channel and consumer touchpoints generate origination data that downstream CRMs and dashboards often consolidate with servicer data.
- Shellpoint Mortgage Servicing — Newrez's own third-party servicing brand; many "Newrez" integrations also need to read Shellpoint-serviced loans through the same authorization model.
- Specialized Loan Servicing (SLS) — another Rithm-affiliated servicer; portfolios that include SLS loans benefit from the same statement-export and payment-history endpoints.
About us
We are an independent technical studio focused on app interface integration and authorized API integration, with a deep bench in mobile applications and fintech. We have shipped protocol-analysis and API work across banking, payments, lending and servicing systems, and we understand U.S. mortgage-servicing expectations — RESPA, TILA, GLBA, the FTC Safeguards Rule and NMLS licensing — as well as multi-region privacy rules. Our model is simple: you give us the target app name and your requirements; we deliver runnable API or protocol-implementation source code based on open-data integration, third-party interface integration, and authorization-protocol analysis.
- Mortgage servicing, digital banking, payments and personal-finance integrations
- Protocol analysis, auth-flow reconstruction, and API gateway design
- Custom Python / Node.js / Go SDKs, Postman collections, and test harnesses
- Full pipeline: protocol analysis → build → validation → compliance documentation
- Source-code delivery from $300 — runnable API source code and full documentation; pay after delivery upon satisfaction
- Pay-per-call API billing — call our hosted endpoints and pay only per request, no upfront cost
Contact
For a quote, or to submit your target app and requirements, open our contact page. Tell us which Newrez data you need (loan snapshot, payment history, escrow, statements/1098, loan status) and whether you want source-code delivery or pay-per-call access.
Engagement workflow
- Scope confirmation — which data and endpoints (loan snapshot, payments, escrow, documents, loan status) and which engagement model.
- Protocol analysis and API design — 2–5 business days, depending on auth complexity and MFA handling.
- Build and internal validation — 3–8 business days, including paging, error handling and PDF parsing where needed.
- Documentation, sample code and test cases — 1–2 business days.
- Typical first delivery: 5–15 business days; third-party approvals or portfolio-scale work may extend timelines.
FAQ
What do you need from me to start a Newrez integration?
How long does delivery take?
How do you handle compliance and privacy for mortgage data?
Is this an official Newrez API?
📱 Original app overview (appendix)
Easily manage your mortgage online with the Newrez app — view account details, choose payment options, access important documents, and more. Download the Newrez app to: view a snapshot of your current loan, including account details, balance, recent activity and payment info; make a one-time payment, view pending payments, or schedule recurring payments; download your statements and other documents; and check the status of your loan, from application through funding.
Who is Newrez LLC? Newrez is a leading mortgage company that combines mortgage origination and servicing to provide a customer-first journey and help customers make smart moves throughout the lifetime of their mortgage loans. Differentiated by its origination platform, the company provides customers with lending options to purchase and refinance. Its servicing business services loans on behalf of Newrez customers and includes the third-party servicing brand, Shellpoint Mortgage Servicing. Founded in 2008, Newrez is headquartered in Fort Washington, Pennsylvania and is a member of the Rithm Capital family of companies. More information is available at newrez.com.
NMLS #3013. Equal Housing Lender. Licensed in all 50 states. For complete licensing information, see Newrez licensing disclosure information. Background on the company is also available on Wikipedia.
- Loan snapshot: account details, balance, recent activity, payment info
- Payments: one-time, pending, recurring; autopay management
- Documents: monthly e-statements, year-end 1098, other loan documents
- Loan status: application → processing → underwriting → funding
- Platforms: Android (com.newRez) and iOS