Shellpoint API integration services (mortgage / OpenFinance)

Deliverables checklist

• API specification (OpenAPI / Swagger) for every Shellpoint endpoint in scope
• Protocol and auth-flow report (OAuth-style tokens / session / cookie chain, refresh logic)
• Runnable source for login, loan snapshot, payment history and statement download
• Normalization layer that maps Shellpoint fields to a stable schema
• Automated tests, sample payloads and full API documentation
• Compliance guidance (RESPA / Regulation X, GLBA privacy, consent and retention)

Engagement models

• Source-code delivery from $300 — you receive runnable API source code and documentation; pay after delivery once you have verified it works.
• Pay-per-call hosted API — call our maintained Shellpoint endpoints and pay only for the requests you make, with no upfront fee; suited to teams that prefer usage-based pricing.
• NDA and security review on request; we keep credentials, logs and consent records inside your environment whenever possible.

Why this app’s data matters

Shellpoint Mortgage Servicing processes payments for more than 1.7 million homeowners nationwide and is among America’s largest non-bank mortgage servicers. That makes its loan-level data — balances, escrow, payment status, statements — high-value for accounting platforms, personal-finance aggregators, mortgage investors and homeowner advisory tools that today rely on PDFs and manual data entry.

1. Account login & loan snapshot API

Mirrors the app’s authorization handshake to bind a homeowner account, then returns the loan snapshot: account number, property address, loan type, interest rate, maturity date, current unpaid principal balance and next payment due. Use it to power a "my mortgage" tile inside a banking app or to refresh loan reference data in a CRM nightly.

2. Payment history & transaction ledger API

Returns posted payments with date ranges, paging and a principal / interest / escrow / fee breakdown, plus pending and returned items. Concrete use: an accounting team reconciles mortgage outflows against the general ledger and flags any payment that did not post on schedule.

3. Payments orchestration API

Surfaces one-time payment status, pending payments and recurring payment schedules the same way the app does. Concrete use: a treasury automation script confirms that the autopay draft for each loan is scheduled before the cycle date and raises an alert if a recurring plan was cancelled.

4. Statements & documents API

Lists and retrieves monthly billing statements, year-end 1098 mortgage interest statements and escrow analysis statements as PDF plus parsed fields. Concrete use: a document-warehouse pipeline ingests each new statement on publication so a tax preparer never has to ask the homeowner to download it.

5. Escrow, tax & insurance API

Exposes escrow balance, scheduled disbursements for property tax and hazard insurance, the annual escrow analysis result and the status of an in-app escrow cancellation request — a feature Shellpoint added so homeowners can submit cancellations without calling support. Concrete use: a homeowner advisory tool warns a client when an escrow shortage is projected.

6. HELOC draw & line-of-credit API

Reads available credit, drawn balance and draw history for eligible home equity lines — reflecting the enhanced HELOC experience Shellpoint shipped in 2024 that lets eligible users access funds directly in the app. Concrete use: a liquidity dashboard tracks remaining HELOC headroom alongside other revolving facilities.

Accounting & ERP reconciliation

Context: a property management or family-office back office tracks dozens of mortgages serviced by Shellpoint. Data/API: the payment history endpoint pulls each posted payment with its principal/interest/escrow split. OpenFinance mapping: the normalized ledger feeds the same accounting connector used for bank-feed data, so a mortgage outflow reconciles against the general ledger exactly like a bank transaction would under an OpenBanking aggregation model.

Personal-finance aggregation

Context: a budgeting or net-worth app wants to show a user’s mortgage next to checking, savings and credit cards. Data/API: the loan snapshot and escrow endpoints return UPB, rate, next payment and escrow status. OpenFinance mapping: the mortgage becomes one more "account" object in the aggregation graph, refreshed on the same consent-driven cadence as OpenBanking account feeds.

Mortgage portfolio analytics for investors

Context: an investor or asset manager holds loans serviced by Shellpoint and needs current performance data. Data/API: loan snapshot plus payment ledger gives unpaid principal balance, last paid installment and delinquency timing per loan. OpenFinance mapping: the export aligns with the loan-level fields servicing APIs already publish (UPB, last paid installment, origination/acquisition), so the data slots into existing surveillance models.

Tax-season document automation

Context: a tax preparer needs every client’s year-end 1098. Data/API: the statements & documents endpoint lists and downloads the 1098 mortgage interest statement and supporting escrow analysis as soon as Shellpoint publishes them. OpenFinance mapping: documents flow into the preparer’s vault via a consent token, mirroring how OpenBanking statement APIs deliver PDFs and parsed fields.

Hardship & loss-mitigation tracking

Context: a housing counselor or servicer-oversight tool follows a borrower through a payment-assistance review. Data/API: payment status, escrow shortage and document endpoints surface where the loan stands. OpenFinance mapping: the workflow is built to respect the "loss mitigation review cycle" framework in the CFPB’s 2024 proposed Regulation X amendments, so status changes and borrower communications are logged with timestamps.

1. Authorize a homeowner session

// Step 1: exchange app-style credentials for an access token
POST /api/v1/shellpoint/auth/token
Content-Type: application/json

{
  "username": "<HOMEOWNER_LOGIN>",
  "password": "<SECRET>",
  "device_id": "<BOUND_DEVICE>"
}

// 200 OK
{
  "access_token": "eyJhbGciOi...",
  "refresh_token": "def502...",
  "expires_in": 1800,
  "loan_ids": ["LN-100482931", "LN-100533117"]
}

// On 401: re-auth; on 429: honor Retry-After header.

2. Pull the payment / transaction ledger

GET /api/v1/shellpoint/loans/LN-100482931/transactions
  ?from=2025-01-01&to=2025-12-31&page=1&page_size=50
Authorization: Bearer <ACCESS_TOKEN>

// 200 OK
{
  "loan_id": "LN-100482931",
  "unpaid_principal_balance": 248113.42,
  "page": 1, "page_size": 50, "total": 12,
  "transactions": [
    {
      "posted_date": "2025-11-01",
      "type": "PAYMENT",
      "amount": 1842.55,
      "principal": 421.10,
      "interest": 951.20,
      "escrow": 470.25,
      "fees": 0.00,
      "status": "POSTED"
    }
  ]
}

3. Subscribe to events (webhook)

POST /api/v1/shellpoint/webhooks
Authorization: Bearer <ACCESS_TOKEN>

{
  "url": "https://your-app.example.com/hooks/shellpoint",
  "events": ["payment.posted", "document.available", "escrow.analysis.updated"],
  "secret": "<HMAC_SHARED_SECRET>"
}

// Delivered payload (verify X-Signature HMAC-SHA256):
{
  "event": "document.available",
  "loan_id": "LN-100482931",
  "document": { "kind": "STATEMENT", "period": "2025-11", "doc_id": "DOC-9F3A" },
  "occurred_at": "2025-11-02T07:14:00Z"
}

Regulatory alignment

Mortgage servicing data in the United States sits under the CFPB’s mortgage servicing rules — RESPA Regulation X and TILA Regulation Z — with the Bureau’s July 2024 proposed amendments adding structure around the loss-mitigation review cycle. Consumer financial data also falls under the Gramm-Leach-Bliley Act safeguards and privacy provisions, the Fair Credit Reporting Act where furnishing is involved, and state laws such as the CCPA. We build every Shellpoint integration to fit these regimes rather than around them.

How we handle it

• Authorized access only — customer-provided credentials, documented public flows, or a sanctioned partner channel.
• Consent capture and an immutable access log for every loan and document touched.
• Data minimization — we pull only the fields a use case needs and recommend retention windows.
• Encryption in transit and at rest; secrets kept in your environment; NDA on request.
• No marketing of bypass techniques — this is protocol analysis and reverse engineering for interoperability, not circumvention.

One of the largest US servicers; its app holds loan snapshots, payment history and document access, so a unified export across Mr. Cooper and Shellpoint is a common ask.

PennyMac’s servicing app exposes balances, escrow and statements; portfolios often mix PennyMac- and Shellpoint-serviced loans, driving demand for a single transaction feed.

A subservicer whose portal carries payment, escrow and tax-document data; aggregators frequently need LoanCare alongside Shellpoint coverage.

Holds loan-level payment and escrow records in its app; appears in the same digital-experience studies as Shellpoint and the same data-export requests.

Shares a corporate umbrella with Shellpoint; its app surfaces similar loan snapshot and statement data, so cross-brand normalization is a natural extension.

Services a large book including non-prime loans; its app carries payment history and escrow analysis that pairs with Shellpoint data in portfolio tools.

Better known for origination but also services loans; users tracking both an originated Rocket loan and a Shellpoint-serviced loan want one dashboard.

A major subservicer behind many lenders’ branded portals; its statement and payment data slots into the same OpenFinance aggregation as Shellpoint.

Offers servicing plus HELOCs and refinancing; HELOC draw data lines up with Shellpoint’s newer in-app HELOC experience for liquidity reporting.

A servicer whose app exposes loan, payment and escrow details; commonly bundled with Shellpoint in multi-servicer reconciliation work.

About us

We are an independent studio focused on fintech and open-data API integration. Our engineers come from banks, payment platforms, mortgage technology and protocol-analysis backgrounds, and we ship end-to-end interfaces under real security and compliance constraints — not slideware.

• Mortgage servicing, digital banking, payments and document automation
• Enterprise API gateways, webhook infrastructure and security reviews
• Custom Python / Node.js / Go SDKs, normalization layers and test harnesses
• Full pipeline: protocol analysis → build → validation → compliance hand-off
• Source-code delivery from $300 — runnable API source code plus documentation; pay after delivery upon satisfaction
• Pay-per-call hosted API — usage-based pricing, no upfront cost

Contact

To request a quote or submit your target app and requirements (for Shellpoint or any other servicer’s app), open our contact page:

Contact page

Tell us which data you need — loan snapshot, payment history, escrow, statements, 1098 forms, HELOC draws — and your preferred delivery model.

Engagement workflow

1. Scope confirmation — which Shellpoint flows and data you need (login, loan snapshot, payments, statements, escrow, HELOC).
2. Protocol analysis and API design — 2–5 business days, complexity-dependent.
3. Build and internal validation — 3–8 business days.
4. Documentation, sample payloads and test cases — 1–2 business days.
5. First delivery — typically 5–15 business days; third-party approvals may extend timelines.

FAQ

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