generated: '2026-08-04'
method: derived
source: mcp/ncino-mcp.yml + openapi/ncino-mortgage-openapi.yml
note: 'Derived by binding each documented nCino Mortgage MCP tool to the OpenAPI operationId(s)
  that back it. The live tools/list endpoint is OAuth-gated (401), so tools are mapped
  by published name and description rather than by an observed inputSchema; each tool''s
  real input contract is the parameters + requestBody of the bound operation in openapi/ncino-mortgage-openapi.yml.
  Every operationId below was verified verbatim against that spec. nCino models most
  state transitions (promote, demote, enable, disable, welcome email, invite) as a
  polymorphic POST .../actions operation with the action named in the request body,
  so several distinct tools bind to the same operationId — those rows are marked accordingly.'
surfaces:
  openapi:
    file: openapi/ncino-mortgage-openapi.yml
    title: nCino Mortgage API
    version: '1.0'
    operations: 251
    gated: false
    source: https://api.ncinomortgage.com/developer_info/openapi/1.0
  mcp:
    servers:
    - https://ncinomortgage.com/mcp/lo
    - https://ncinomortgage.com/mcp/admin
    gated: true
    gate: OAuth 2.1 PKCE bearer; tools/list returns 401 anonymously
  graphql:
    present: false
coverage:
  tools_named: 65
  tools_named_unique: 58
  tools_bound: 56
  mcp_only: 2
  rest_operations_total: 251
  rest_operations_with_a_tool: 33
crosswalk:
- tool: list_loans
  category: loans
  rest:
  - loans-index
  binding: rest
  confidence: high
- tool: get_loan
  category: loans
  rest:
  - loans-show
  binding: rest
  confidence: high
- tool: create_loan
  category: loans
  rest:
  - loans-create
  binding: rest
  confidence: high
- tool: update_loan
  category: loans
  rest:
  - loans-update
  binding: rest
  confidence: high
- tool: list_loan_borrowers
  category: loan-borrowers
  rest:
  - loan_borrowers-index
  binding: rest
  confidence: high
- tool: get_loan_borrower
  category: loan-borrowers
  rest:
  - loan_borrowers-show
  binding: rest
  confidence: high
- tool: create_loan_borrower
  category: loan-borrowers
  rest:
  - loan_borrowers-create
  binding: rest
  confidence: high
- tool: update_loan_borrower
  category: loan-borrowers
  rest:
  - loan_borrowers-update
  binding: rest
  confidence: high
- tool: list_loan_applications
  category: loan-applications
  rest:
  - loan_applications-index
  binding: rest
  confidence: high
- tool: get_loan_application
  category: loan-applications
  rest:
  - loan_applications-show
  binding: rest
  confidence: high
- tool: create_loan_application
  category: loan-applications
  rest:
  - loan_applications-create
  binding: rest
  confidence: high
- tool: update_loan_application
  category: loan-applications
  rest:
  - loan_applications-update
  binding: rest
  confidence: high
- tool: send_borrower_welcome_email
  category: borrowers
  rest:
  - borrowers-actions
  binding: rest
  confidence: medium
  note: Bound to the polymorphic POST /users/borrowers/{user_borrower_id}/actions operation;
    the welcome-email action is selected in the request body.
- tool: list_partners
  category: partners
  rest:
  - loan_officer_partners-index
  binding: rest
  confidence: high
  note: Exposed on both the LO and Admin servers against the same REST operation.
- tool: get_partner
  category: partners
  rest:
  - loan_officer_partners-show
  binding: rest
  confidence: high
- tool: create_partner
  category: partners
  rest:
  - loan_officer_partners-create
  binding: rest
  confidence: high
- tool: update_partner
  category: partners
  rest:
  - loan_officer_partners-update
  binding: rest
  confidence: high
- tool: enable_partner
  category: partners
  rest:
  - loan_officer_partners-actions
  binding: rest
  confidence: medium
  note: Polymorphic actions operation; enable is one action value.
- tool: disable_partner
  category: partners
  rest:
  - loan_officer_partners-actions
  binding: rest
  confidence: medium
  note: Polymorphic actions operation; disable is one action value.
- tool: send_partner_invite
  category: partners
  rest:
  - loan_officer_partners-actions
  binding: rest
  confidence: medium
  note: Polymorphic actions operation; invite is one action value.
- tool: list_loan_officers
  category: loan-officers
  rest:
  - loan_officers-index
  binding: rest
  confidence: high
- tool: get_loan_officer
  category: loan-officers
  rest:
  - loan_officers-show
  binding: rest
  confidence: high
- tool: create_loan_officer
  category: loan-officers
  rest:
  - loan_officers-create
  binding: rest
  confidence: high
- tool: update_loan_officer
  category: loan-officers
  rest:
  - loan_officers-update
  binding: rest
  confidence: high
- tool: promote_loan_officer
  category: loan-officers
  rest:
  - loan_officers-actions
  binding: rest
  confidence: medium
  note: Polymorphic actions operation; corresponds to the loan_officer_promoted event
    in the webhook catalog.
- tool: demote_loan_officer
  category: loan-officers
  rest:
  - loan_officers-actions
  binding: rest
  confidence: medium
  note: Polymorphic actions operation; corresponds to the loan_officer_demoted event.
- tool: disable_loan_officer
  category: loan-officers
  rest:
  - loan_officers-actions
  binding: rest
  confidence: medium
- tool: enable_loan_officer
  category: loan-officers
  rest:
  - loan_officers-actions
  binding: rest
  confidence: medium
- tool: change_loan_officer_org
  category: loan-officers
  rest:
  - loan_officers-actions
  binding: rest
  confidence: low
  note: No dedicated REST operation is documented for an organization transfer; most
    plausibly an action value on POST /users/loan_officers/{loan_officer_id}/actions.
- tool: send_loan_officer_welcome_email
  category: loan-officers
  rest:
  - loan_officers-actions
  binding: rest
  confidence: medium
- tool: list_team_members
  category: team-members
  rest:
  - team_members-index
  binding: rest
  confidence: high
- tool: get_team_member
  category: team-members
  rest:
  - team_members-show
  binding: rest
  confidence: high
- tool: create_team_member
  category: team-members
  rest:
  - team_members-create
  binding: rest
  confidence: high
- tool: update_team_member
  category: team-members
  rest:
  - team_members-update
  binding: rest
  confidence: high
- tool: disable_team_member
  category: team-members
  rest:
  - team_members-actions
  binding: rest
  confidence: medium
- tool: enable_team_member
  category: team-members
  rest:
  - team_members-actions
  binding: rest
  confidence: medium
- tool: change_team_member_org
  category: team-members
  rest:
  - team_members-actions
  binding: rest
  confidence: low
- tool: send_team_member_welcome_email
  category: team-members
  rest:
  - team_members-actions
  binding: rest
  confidence: medium
- tool: get_my_company
  category: organizations
  rest:
  - companies-index
  - companies-show
  binding: rest
  confidence: medium
  note: The REST surface has no /companies/me route; the tool resolves the caller's
    company from the token and then reads it.
- tool: list_organizations
  category: organizations
  rest:
  - company_regions-index
  - region_branches-index
  binding: rest
  confidence: medium
  note: Fans out — "organization" in the MCP surface covers both regions and branches,
    which are separate REST collections.
- tool: get_organization
  category: organizations
  rest:
  - company_regions-show
  - region_branches-show
  binding: rest
  confidence: medium
- tool: create_organization
  category: organizations
  rest:
  - company_regions-create
  - region_branches-create
  binding: rest
  confidence: medium
- tool: update_organization
  category: organizations
  rest:
  - company_regions-update
  - region_branches-update
  binding: rest
  confidence: medium
- tool: list_loan_officer_state_licenses
  category: state-licenses
  rest:
  - loan_officer_state_licenses-index
  binding: rest
  confidence: high
- tool: get_loan_officer_state_license
  category: state-licenses
  rest:
  - loan_officer_state_licenses-show
  binding: rest
  confidence: high
- tool: create_loan_officer_state_license
  category: state-licenses
  rest:
  - loan_officer_state_licenses-create
  binding: rest
  confidence: high
- tool: update_loan_officer_state_license
  category: state-licenses
  rest:
  - loan_officer_state_licenses-update
  binding: rest
  confidence: high
- tool: list_organization_state_licenses
  category: state-licenses
  rest:
  - company_state_licenses-index
  - region_state_licenses-index
  - branch_state_licenses-index
  binding: rest
  confidence: medium
  note: Fans out across the three organization levels the REST API models separately.
- tool: get_organization_state_license
  category: state-licenses
  rest:
  - company_state_licenses-show
  - region_state_licenses-show
  - branch_state_licenses-show
  binding: rest
  confidence: medium
- tool: create_organization_state_license
  category: state-licenses
  rest:
  - company_state_licenses-create
  - region_state_licenses-create
  - branch_state_licenses-create
  binding: rest
  confidence: medium
- tool: update_organization_state_license
  category: state-licenses
  rest:
  - company_state_licenses-update
  - region_state_licenses-update
  - branch_state_licenses-update
  binding: rest
  confidence: medium
- tool: get_job
  category: jobs
  rest:
  - jobs-show
  binding: rest
  confidence: high
mcp_only:
- tool: run_aus
  reason: 'No public REST operation submits a loan application to Desktop Underwriter
    or Loan Product Advisor. The published OpenAPI does define the AUS schemas — AusOrderBody,
    AusOrderResult, AusFinding and AusFindingList in components.schemas — but no path
    object in the document references any of them, so the AUS capability is reachable
    through the LO MCP server and not through the public REST contract. Verified by
    searching every path object in openapi/ncino-mortgage-openapi.yml for those schema
    references.'
- tool: fetch_aus_history
  reason: No public REST operation returns the AUS order log, for the same reason as
    run_aus — AusFindingList is defined but unreferenced by any path. The nearest but
    non-equivalent REST surface is services verifications (verifications-index / verifications-show),
    which covers verification reports rather than AUS findings.
rest_only:
- capability: loan documents and doc tasks
  operations:
  - loan_documents-index
  - loan_documents-show
  - loan_documents-download
  - loan_doc_tasks-index
  - loan_doc_tasks-show
  - loan_doc_tasks-create
  - loan_doc_tasks-update
  - loan_doc_tasks-destroy
  - loan_doc_tasks-actions
  - loan_app_doc_tasks-index
  - loan_app_doc_tasks-show
  - loan_app_doc_tasks-create
  - loan_app_doc_tasks-update
  - loan_app_doc_tasks-destroy
  - loan_app_doc_tasks-actions
  - loan_officer_loan_doc_tasks-index
  - doc_package_orders-index
  - doc_package_orders-show
  - doc_package_orders-create
  - doc_package_orders-update
- capability: webhooks and subscriptions
  operations:
  - webhooks-index
  - webhooks-show
  - webhooks-create
  - webhooks-update
  - webhooks-destroy
  - webhooks-actions
  - webhooks-test_events
  - subscriptions-index
  - subscriptions-show
  - subscriptions-create
  - subscriptions-update
  - subscriptions-destroy
- capability: roles, permissions and RBAC
  operations:
  - roles-index
  - roles-show
  - roles-create
  - roles-update
  - roles-destroy
  - roles-actions
  - role_permissions-index
  - role_permissions-create
  - role_permissions-update
  - role_permissions-destroy
  - role_users-index
  - role_users-create
  - role_users-destroy
  - permissions-index
  - permissions-show
  - user_permissions-index
  - user_permissions-show
  - user_roles-index
- capability: nested loan application data (assets, incomes, expenses, liabilities)
  operations:
  - loan_application_(nested)-show
  - loan_application_(nested)_assets-index
  - loan_application_(nested)_assets-create
  - loan_application_(nested)_assets-update
  - loan_application_(nested)_borrower_incomes-index
  - loan_application_(nested)_borrower_incomes-create
  - loan_application_(nested)_co-borrower_incomes-index
  - loan_application_(nested)_expenses-index
  - loan_application_(nested)_liabilities-index
- capability: loan milestones and company milestones
  operations:
  - loan_milestones-index
  - loan_milestones-show
  - loan_milestones-update
  - loan_milestones-actions
  - company_milestones-index
  - company_milestones-show
  - company_milestones-create
  - company_milestones-update
  - company_milestones-destroy
- capability: reports
  operations:
  - company_reports-generate
  - company_reports-download
  - region_reports-generate
  - region_reports-download
  - branch_reports-generate
  - branch_reports-download
- capability: images and links (branding surfaces)
  operations:
  - company_images-update
  - company_images-destroy
  - region_images-update
  - region_images-destroy
  - branch_images-update
  - branch_images-destroy
  - loan_officer_images-update
  - loan_officer_images-destroy
  - team_member_images-update
  - team_member_images-destroy
  - partner_images-update
  - partner_images-destroy
  - links-index
  - company_links-index
  - region_links-index
  - branch_links-index
  - loan_officer_links-index
  - partner_links-index
- capability: verifications and services
  operations:
  - verifications-index
  - verifications-show
  - verifications-actions
  - verifications-download
  - loan_borrower_verifications-index
- capability: assignments, aliases, prospects and app shares
  operations:
  - loan_officer_assignments-index
  - loan_officer_assignments-show
  - loan_officer_assignments-create
  - loan_officer_assignments-destroy
  - loan_officer_assignments-index_available
  - team_member_assignments-index
  - team_member_assignments-show
  - team_member_assignments-create
  - team_member_assignments-destroy
  - team_member_assignments-index_available
  - loan_officer_aliases-index
  - loan_officer_aliases-show
  - loan_officer_aliases-create
  - loan_officer_aliases-destroy
  - loan_officer_prospects-index
  - loan_officer_prospects-show
  - loan_officer_prospects-create
  - loan_officer_app_shares-create
- capability: borrower tasks, inquiry tasks and custom forms
  operations:
  - borrower_task_reminders-create
  - loan_app_borrower_task_reminders-create
  - inquiry_tasks-create
  - loan_app_inquiry_tasks-create
  - custom_form_requests-create
  - loan_app_custom_form_requests-create
- capability: authentication and eligibility
  operations:
  - authentication-create
  - authentication-show
  - authentication-actions
  - loans-check_ron_eligibility
  - state_licenses-index
  - company_state_license_templates-index
  - company_state_license_templates-show
  - company_state_license_templates-create
  - company_state_license_templates-update