Loan Management

Metro 2 Integration for Mortgage Cadence

Integrate with Mortgage Cadence Platform (MCP) — a cloud-native mortgage origination system with a GraphQL API and Integration Framework. MCP covers origination through funding and secondary marketing. Metro2 pulls borrower, loan, and property data through MCP's developer portal APIs, generates Metro 2 Base Segments and K3 mortgage segments, and submits to credit bureaus. MCP is currently being acquired by PartnerOne from Accenture. The platform does not include native Metro 2 reporting — this integration fills that gap for post-origination credit bureau compliance.

How It Works

Metro2 connects to the Mortgage Cadence developer portal and queries loan data via GraphQL. Borrower, property, and loan term data is mapped to Metro 2 Base Segment and K3 mortgage segment fields. The Integration Framework can also push data to Metro2 via configured endpoints.

Mortgage Cadence

Metro2

Credit Bureaus

Benefits

GraphQL API Access

MCP uses a GraphQL-based API — unusual in the mortgage industry — enabling flexible, efficient queries for exactly the borrower and loan data needed for Metro 2 reporting.

Integration Framework

MCP's configuration-based Integration Framework allows custom integrations without code, making it easier to map loan data to Metro 2 fields.

K3 Segment Automation

Metro2 automatically generates mortgage-specific K3 segments from MCP loan data — required for all mortgage tradelines reported to credit bureaus.

Origination Through Funding

MCP covers the full mortgage lifecycle from application through funding and secondary marketing. Metro2 captures loan data at any stage.

Cloud-Native Architecture

MCP is HTML5, browser-agnostic, and mobile-responsive. The API-first design means most UI actions are also available programmatically.

Data Fields That Sync

Metro2 maps these fields from Mortgage Cadence to Metro 2 format automatically.

Borrower information from MCP's GraphQL queries (name, SSN, DOB, address)
Loan program details and terms (product type, rate, term, LTV)
Property details for K3 segment (address, property type, occupancy)
Payment schedule and history from servicing data
Escrow data for accurate payment amount reporting
K3 mortgage fields (original loan amount, property type, first payment date)
Milestone and status data from loan pipeline

Get Set Up in 5 Steps

Access MCP Developer Portal

Log into the Mortgage Cadence developer portal at developer.mortgagecadence.com to obtain API credentials.

Configure GraphQL Queries

Metro2 uses GraphQL queries to pull borrower, loan, and property data. Review the schema and confirm required fields are accessible.

Map K3 Segment Fields

Configure how MCP mortgage fields map to Metro 2 K3 segment requirements (property type, original loan amount, first payment date, etc.).

Test and Validate

Generate test Metro 2 files with K3 segments from MCP data. Verify CDIA compliance before production.

Enable Production Reporting

Connect production MCP instance and enable automated monthly Metro 2 submissions.

Frequently Asked Questions

Is the K3 segment required?

Yes. The K3 segment is required for all first mortgages, second mortgages, HELOCs, and home equity loans reported to credit bureaus. Metro2 generates K3 segments automatically from MCP loan data.

What kind of API does Mortgage Cadence use?

MCP uses a GraphQL-based API, which is uncommon in the mortgage industry. This allows Metro2 to request exactly the fields needed for Metro 2 reporting in a single query, rather than making multiple REST calls.

Does Mortgage Cadence have native Metro 2 reporting?

No. MCP is primarily a mortgage origination platform covering application through funding. It does not generate Metro 2 files. Metro2 fills this gap for post-origination credit bureau compliance.

Is Mortgage Cadence still supported by Accenture?

PartnerOne has entered an agreement to acquire Mortgage Cadence from Accenture. The platform continues to operate and receive updates under the transition.

What about MCP Essentials vs Enterprise?

MCP offers two tiers: MCP Enterprise (full customization) and MCP Essentials (pre-configured, cost-effective). Metro2 integrates with both via the same GraphQL API.

Related Integrations

Finastra Fusion

Loan Management

Pull loan data from Finastra's FusionFabric.cloud APIs (OAuth 2.0, 200+ endpoints) to generate Metro 2 credit reports.

Encompass (ICE)

Loan Management

Pull mortgage loan data from ICE Encompass Developer Connect (200+ REST endpoints, OAuth 2.0, webhooks) for Metro 2 credit reporting with K3 segments.

Nortridge Loan System

Loan Management

Enhance Nortridge's built-in Metro 2 reporting with Metro2's validation engine, or pull loan data via NLS REST API (OAuth 2.0, Swagger/OpenAPI).

Ready to Connect Mortgage Cadence?

Start reporting to credit bureaus from Mortgage Cadence today. Our team will help you get set up quickly.