Connect PacificCoastAgent ONE closing-cost data to your CRM, transaction desk and reporting stack
PacificCoastAgent ONE (package palmagent.PacificCoastAgent.Two, by PalmAgent) is a city/county-specific closing-cost calculator preloaded with 20+ real-estate calculations. Agents use it to produce seller net sheets, buyer estimates, refinance scenarios and branded reports from a phone or tablet, and it ships a content library for buyer/seller conversations and social marketing. We turn those screens into structured, queryable interfaces using authorized access and documented endpoints.
Feature modules we build for PacificCoastAgent ONE
Each module below names the concrete data it moves and one operational use. We scope only what you ask for, so a first engagement can be a single endpoint rather than the full set.
Account & agent-profile API
Mirrors the app's sign-in and the agent's branding record (name, photo, brokerage, phone, license/NMLS where present, default county). Lets a back office provision teams in bulk and keep report headers consistent across hundreds of saved net sheets.
Net-sheet calculation engine API
Wraps the 20+ calculations — seller net sheet, buyer estimate, refinance, buydown (now with HOA inputs), loan comparison — behind a request/response endpoint. Use it for reconciliation: re-run a stored deal against current county rates and flag drift before the file goes to escrow.
Saved-estimates statement API
Lists a user's saved buyer estimates and seller net sheets with paging, date ranges and status filters, returning the full line-item payload per record. Feeds a pipeline report so a managing broker sees every estimate produced this month and which ones converted to listings.
County rate-table sync
Exports the city/county fee sets (title premium tiers, escrow splits, recording fees, county/city transfer taxes) as versioned JSON. Powers an internal "what does closing cost in this county" widget and keeps a data warehouse table current without re-keying.
Report rendering & delivery API
Generates the branded PDF net sheet or buyer estimate the app already emails, then posts it to a document store or e-mails it through your domain. Use it to auto-attach a net sheet to a CRM opportunity the moment an agent saves one on their phone.
Content-library & compliance feed
Surfaces the marketing content library (buyer/seller talking points, social posts) and the in-app FinCEN alert items as structured entries, so a marketing team can schedule posts and a compliance officer can log when an alert was shown.
Data available for integration (OpenData perspective)
The table below maps the data PacificCoastAgent ONE works with to the screen it comes from, its granularity, and a typical downstream use. Exact field availability depends on whether we work through an official partner API or documented endpoints, and on the customer's authorization scope.
| Data type | Source (screen / feature) | Granularity | Typical use |
|---|---|---|---|
| Seller net sheet line items | Seller Net Sheet calculator | Per transaction: sale price, payoff, commission %, title premium, escrow fee, recording, county/city transfer tax, HOA, prorations, net to seller | CRM listing record enrichment, broker pipeline reporting, audit trail |
| Buyer estimate fields | Buyer Estimate / FHA / VA / Conventional calculators | Per scenario: loan amount, down payment, rate, P&I, taxes, insurance, prepaids, cash to close | Loan-officer dashboards, pre-approval comparison, lead nurture |
| Buydown & refinance scenarios | Buydown calculator (with HOA), Refinance calculator | Per scenario: temporary/permanent buydown points, subsidy, blended payment, break-even | Builder/lender promotions, what-if analytics, client education packets |
| County / city fee & rate tables | City/county configuration behind every calculation | Per jurisdiction: title premium tiers, escrow split rules, recording fees, transfer-tax rates, effective dates | Valuation models, marketing pages, data-warehouse reference tables |
| Saved estimates & client labels | Saved Estimates list | Per record: client name/label, property address, created/updated timestamp, calculator type, snapshot of inputs and outputs | Conversion analytics, follow-up automation, handoff to escrow |
| Branded report documents | Share / e-mail report (PDF) | Per report: rendered PDF, agent branding header, calculation summary | Document management, e-sign packets, archival and compliance retention |
| Agent profile & branding | Account / profile settings | Per user: name, photo, brokerage, contact info, license/NMLS, default county, subscription state | Team provisioning, consistent report headers, seat management |
| Marketing content library & FinCEN alerts | Content library, in-app compliance alerts | Per item: title, body/asset, category, publish date; alert text and acknowledgement | Social scheduling, agent enablement, compliance logging |
Typical integration scenarios
Five end-to-end examples. Each names the business context, the data or API involved, and how it maps to OpenData / OpenFinance patterns familiar from banking integrations.
1 — Auto-attach a net sheet to every listing
Context: a brokerage wants a current seller net sheet on each listing record in its CRM. Data/API: the Saved-estimates statement API plus the Report rendering API push the line-item payload and PDF when an agent saves an estimate. OpenData mapping: a consented "account information" pull (the agent's saved records) feeding a third-party system — the same shape as an OpenBanking account-transactions feed, applied to closing-cost data.
2 — Loan-officer pre-approval comparison
Context: a mortgage team compares FHA, VA and conventional buyer estimates side by side for a borrower. Data/API: the Buyer estimate API returns cash_to_close, monthly_pi, prepaids and down_payment for each program. OpenData mapping: a "product comparison" call — analogous to OpenFinance product-reference endpoints — that normalises figures across programs for one screen.
3 — County rate warehouse & marketing pages
Context: a title marketing team publishes "closing costs in your county" landing pages and keeps an internal reference table fresh. Data/API: the County rate-table sync emits versioned JSON with effective_date per jurisdiction. OpenData mapping: a reference-data / open-dataset export, polled on a schedule and diffed — the rate-card equivalent of a bank's published fee schedule.
4 — Pipeline & conversion analytics
Context: a managing broker wants to know how many estimates each agent produced and which became listings. Data/API: the Saved-estimates statement API with date-range paging, joined to the CRM on property address and client label. OpenData mapping: periodic batch extraction into a warehouse — an ETL pattern straight out of OpenBanking analytics, here measuring agent activity instead of spend.
5 — Compliance evidence & FinCEN alert log
Context: a compliance officer must show that fee disclosures and FinCEN residential-real-estate notices were surfaced to agents. Data/API: the Content-library & compliance feed returns alert items with acknowledgement timestamps; the Report API archives each net sheet's fee breakdown. OpenData mapping: an immutable event log with consent/acknowledgement records — the audit-trail discipline OpenBanking requires, reused for real-estate settlement.
Technical implementation
We deliver runnable source (Python / Node.js), an OpenAPI specification, a protocol-and-auth flow report, automated tests and operator docs. Below are representative request/response shapes; field names are illustrative and finalised against the live behaviour during analysis.
1) Authenticate & bind an agent session
POST /api/v1/pca-one/auth/token
Content-Type: application/json
{
"username": "agent@brokerage.com",
"password": "<secret>",
"device_id": "srv-worker-03"
}
200 OK
{
"access_token": "<JWT>",
"refresh_token": "<opaque>",
"expires_in": 3600,
"agent": { "id": "ag_8842", "name": "Dana Reyes",
"brokerage": "Pacific Coast Realty", "default_county": "CA-Orange" }
}
# 401 -> { "error": "invalid_credentials" }
# 429 -> back off using Retry-After header
2) Fetch saved seller net sheets (statement-style)
GET /api/v1/pca-one/estimates
?type=seller_net_sheet
&from=2026-04-01&to=2026-04-30
&page=1&page_size=50
Authorization: Bearer <access_token>
200 OK
{
"page": 1, "page_size": 50, "total": 137,
"items": [
{
"estimate_id": "ns_5571",
"client_label": "Ortiz listing",
"property_address": "118 Bayview Ave, Long Beach, CA",
"county": "CA-Los-Angeles",
"sale_price": 985000,
"mortgage_payoff": 412300,
"commission_pct": 5.0,
"title_premium": 1894.00,
"escrow_fee": 1450.00,
"recording_fees": 95.00,
"county_transfer_tax": 1083.50,
"city_transfer_tax": 4432.50,
"hoa_dues_proration": 210.00,
"net_to_seller": 504562.50,
"created_at": "2026-04-22T17:04:11Z"
}
],
"next_page": 2
}
3) Recalculate a buyer estimate against current rates
POST /api/v1/pca-one/calc/buyer-estimate
Authorization: Bearer <access_token>
Content-Type: application/json
{
"county": "CA-San-Diego",
"program": "conventional",
"purchase_price": 720000,
"down_payment_pct": 10,
"interest_rate": 6.625,
"include_hoa": true, "hoa_monthly": 285
}
200 OK
{
"loan_amount": 648000,
"monthly_pi": 4149.12,
"monthly_taxes": 750.00,
"monthly_insurance": 92.00,
"prepaids": 3120.40,
"cash_to_close": 84210.40,
"rate_table_version": "2026.04.18-CA-San-Diego"
}
4) Webhook: new estimate saved on a device
POST https://yourapp.example/hooks/pca-one
X-PCA-Signature: sha256=<hmac>
Content-Type: application/json
{
"event": "estimate.created",
"estimate_id": "be_9920",
"type": "buyer_estimate",
"agent_id": "ag_8842",
"occurred_at": "2026-05-11T15:21:08Z"
}
# Verify HMAC with shared secret, then call
# GET /estimates/be_9920 to pull the full payload.
# Respond 2xx within 5s or the event is retried.
Auth uses short-lived bearer tokens with refresh; list endpoints are paged and rate-limited (honour Retry-After); webhooks are HMAC-signed and retried with backoff; every call is logged with caller, scope and record IDs for the audit trail described under Compliance.
Compliance & privacy
Closing-cost figures sit close to regulated mortgage disclosure. We design integrations to respect that: authorized or documented public access only, data minimization (pull only the fields a use case needs), consent and access logging, and configurable retention. We do not bypass paywalls or authentication, and we label the work as independent of PalmAgent and PacificCoastAgent.
- RESPA — the Real Estate Settlement Procedures Act governs settlement-cost disclosure and prohibits certain referral arrangements; report exports keep the fee itemisation intact rather than rolling figures into opaque totals. See RESPA on Wikipedia.
- TRID / TILA-RESPA Integrated Disclosure — the CFPB "Know Before You Owe" rule defines how title and settlement fees appear on the Loan Estimate and Closing Disclosure; we keep owner's and lender's title premiums separable in our payloads. Reference: CFPB TILA-RESPA Integrated Disclosures.
- FinCEN residential real estate reporting — the app's built-in FinCEN alerts reflect new reporting obligations for certain non-financed residential transfers; our compliance feed captures alert text and acknowledgement so a firm can evidence that staff were notified.
- State data & consumer-privacy law — for a West Coast / California user base, the CCPA/CPRA framework shapes how client names and property data are stored, shared and deleted; we ship deletion hooks and a data-flow inventory to support those requests.
Data flow / architecture
A typical pipeline has four nodes: (1) PacificCoastAgent ONE client / authorized endpoint → (2) Ingestion API & normaliser (auth, paging, schema mapping, HMAC webhook receiver) → (3) Storage (an estimates table, a county rate-table reference set, a document store for PDFs, plus an append-only audit log) → (4) Outputs (your CRM/LOS, a BI dashboard, marketing pages, or a downstream REST API). Sync can be scheduled batch pulls, webhook-driven near-real-time, or both; the normaliser is the single place where field names, currency units and county codes are reconciled.
Market positioning & user profile
PacificCoastAgent ONE is a branded edition of PalmAgent's closing-cost platform — the same family as PalmAgent ONE, FidelityAgent ONE, TicorAgent ONE and ChicagoAgent ONE, typically distributed through a title underwriter to the real-estate agents and loan officers it works with. Primary users are licensed residential real-estate agents, mortgage loan originators and title/escrow marketing representatives, mostly in California and the broader US West Coast, working on iOS and Android phones and tablets in the field. The product is a paid utility — a free 30-day trial, then a low-cost ONE Premium subscription (about $0.99/month or $9.99/year) — and recent releases have leaned into compliance (built-in FinCEN alerts), more accurate scenarios (HOA inputs in the Buydown calculator) and faster, better-organised saved estimates. That mix — fielded mobile use, per-deal calculations, county-specific rate data and a marketing content library — is exactly what makes an OpenData/OpenFinance-style integration layer worthwhile for brokerages and title shops that want this data inside their own systems.
Screenshots
Screens from PacificCoastAgent ONE on Google Play. Click any thumbnail to enlarge.
Similar apps & the closing-cost integration landscape
Teams that use PacificCoastAgent ONE often touch other net-sheet and title-tech tools, so a unified closing-cost export usually has to reach beyond a single app. The names below are part of that broader ecosystem; we list them for context, not ranking.
- PalmAgent ONE — the generic flagship from the same developer; holds the same per-deal net sheets and buyer estimates, so a multi-brand brokerage often wants one schema across PalmAgent and PacificCoastAgent records.
- FidelityAgent ONE — Fidelity National Title's branded edition with city/county closing-cost data; agents who switch underwriters frequently end up with estimates spread across both apps.
- TicorAgent ONE — Ticor Title's branded version of the same platform; relevant when consolidating West Coast county rate tables.
- ChicagoAgent ONE — Chicago Title's calculator; similar net-sheet line items, useful as a cross-check on transfer-tax and recording-fee figures.
- CTOAgent ONE — another PalmAgent-family branded app; same data model, common in mixed portfolios.
- TitleCapture — a web platform for title agencies with net-sheet calculators, lead-capture widgets and SSO; integrations often need to merge its estimates with mobile-app records.
- CostsFirst (First American Title) — desktop and mobile net-sheet/closing-cost tool; firms that use it alongside an agent app want a single reconciled view of fees.
- Net Sheet Calc — an off-the-shelf branded title-quote app for agents and marketing reps; comparable seller net sheet and buyer cost outputs.
- TitleTap net sheet calculator — a website-embedded net-sheet widget for title agents; a natural source to sync into the same warehouse table.
- Qualia — a cloud title/escrow and closing platform (which has absorbed ResWare, RamQuest and E-Closing); downstream of the agent estimate, it's where many of these numbers land for the actual closing.
What we deliver
Deliverables checklist
- API specification (OpenAPI / Swagger) for the endpoints in scope
- Protocol & auth flow report (token / refresh / signing chain)
- Runnable source for auth + estimates + calculation endpoints (Python / Node.js)
- Webhook receiver with HMAC verification and retry handling
- Automated tests, sample payloads and operator documentation
- Compliance notes (RESPA / TRID / FinCEN alerts / state privacy) and a data-flow inventory
Engagement models
- Source-code delivery from $300 — you receive runnable API source and full docs; pay after delivery once you're satisfied.
- Pay-per-call API — use our hosted endpoints and pay only for the calls you make; no upfront fee, good for usage-based budgets.
- NDA, on-premise deployment and code escrow available on request.
About our studio
We are an independent technical service studio focused on app interface integration and authorized API work, with team members who have spent years in mobile apps, fintech and real-estate technology. For PacificCoastAgent ONE that means we already understand net sheets, county rate tables, TRID-style fee disclosure and the FinCEN reporting context — so the integration arrives with the right field names and the right guardrails.
- Protocol analysis, interface refactoring and OpenData/third-party integration
- Automated data scripting and delivery of interface documentation
- Android and iOS coverage; Python / Node.js / Go clients and test harnesses
- Full pipeline: analysis → build → validation → compliance handoff
Contact
Send us the target app and your requirements (which data, which workflows, expected volume) and we'll come back with scope, timeline and a quote.
Engagement workflow
- Scope confirmation — which screens and data (net sheets, buyer estimates, county tables, reports) and which output systems.
- Protocol analysis & API design — 2 to 5 business days, complexity-dependent.
- Build & internal validation — 3 to 8 business days.
- Docs, samples and test cases — 1 to 2 business days.
- Typical first delivery in 5 to 15 business days; third-party approvals can extend it.
FAQ
What information do you need to start a PacificCoastAgent ONE integration?
How long does delivery take?
Is this an official PalmAgent or PacificCoastAgent API?
How do you handle compliance and client data?
📱 Original app overview — PacificCoastAgent ONE (appendix)
PacificCoastAgent ONE is a city/county-specific closing-cost calculator app from PalmAgent, preloaded with 20+ real-estate calculations for real-estate professionals. From a phone or tablet, agents generate professional seller net sheets, buyer estimates and a variety of other reports for their clients quickly and at a moment's notice. The app also includes a content library with material agents can use in conversations with homebuyers and sellers, or to market their business on social media. More details are at PacificCoastAgent.com.
- Seller net sheets, buyer estimates, refinance and buydown calculators (the Buydown calculator now supports HOA costs for more accurate scenarios).
- Saved estimates with faster access and better organisation; performance refinements across the app.
- Built-in FinCEN alerts to support compliance workflows.
- Marketing content library for buyer/seller conversations and social posts; branded reports shareable by e-mail.
- Available on Android (
palmagent.PacificCoastAgent.Two) and iOS; free 30-day trial, then a low-cost ONE Premium subscription. - Questions or suggestions? PalmAgent's customer support team can be reached at support@palmagent.com.