Loan Management

Metro 2 Integration for Nortridge Loan System

Nortridge Loan System (NLS) is one of the few loan management platforms with native Metro 2 credit bureau reporting built in. Metro2 integrates with NLS via its RESTful API (OAuth 2.0, Swagger/OpenAPI spec at api-demo.nortridge.com) to provide enhanced validation, error detection, and bureau delivery management. NLS stores Portfolio Type, Account Type, ECOA Code, and Special Comment Codes at the loan template level — Metro2 pulls this data along with contact records, loan details, and 24-month payment history for CDIA-compliant file generation and submission to Equifax, Experian, and TransUnion.

How It Works

Metro2 authenticates to the NLS REST API via OAuth 2.0 (tokens expire every 5 minutes). Loan, contact, and transaction data is pulled via the API or XML Import endpoint. NLS already stores Metro 2-specific fields (Portfolio Type, Account Type, ECOA Code) at the template level — Metro2 validates these against CDIA rules and submits files to credit bureaus via SFTP.

Nortridge Loan System

Metro2

Credit Bureaus

API Integration Details

Technical details about connecting to the Nortridge Loan System API.

Authentication

OAuth 2.0 (token-based, 5-minute expiry, default client ID: apiuser)

Base URL

https://api-demo.nortridge.com

Documentation

View Docs

Sandbox

Available

Pricing

Starts at $1,200/month (3 users included). Additional users $400/month. API access included — each active token counts as one seat license.

Key API Endpoints

Method	Endpoint	Description
POST	/nls/xml-import	Handles contact (borrower), loan, and transaction data import via XML or JSON payloads.
POST	/loans/search	Find loans for web portal display with flexible search criteria.
POST	/contacts/search	Search borrower contact records by name, ID, or other criteria.
GET	/loans/{id}	Returns full loan details including terms, status, and Metro 2-specific fields.
POST	/loans/{id}/payments	Posts a payment transaction to a loan account.
GET	/loans/{id}/payments	Returns payment history including the 24-month payment rating history.

Benefits

Native Metro 2 Fields in NLS

Nortridge stores Portfolio Type, Account Type, Primary ECOA Code, and Special Comment Codes directly in loan templates — no field mapping guesswork required.

RESTful API with Swagger Docs

NLS exposes a REST API with Swagger/OpenAPI documentation at api-demo.nortridge.com/swagger. OAuth 2.0 authentication with 5-minute token expiry.

24-Month Payment History

NLS tracks and graphically displays 24-month payment history per loan — the exact data needed for Metro 2 reporting.

Enhanced Validation Layer

While NLS can generate Metro 2 files natively, Metro2 adds a secondary CDIA validation layer to catch formatting errors before they reach the bureaus.

Built-In eOscar Integration

NLS includes Palinode (Sonnet) for credit dispute investigation with eOscar connectivity — Metro2 can leverage this for dispute workflow management.

Configurable Reporting Entities

Credit bureau reporting can be configured at the template, group, or individual loan level — giving you granular control over what gets reported.

Metro 2 Data Mapping

How Nortridge Loan System data maps to Metro 2 Base Segment fields.

Metro 2 Field	Source	Available
Consumer Name	Contact record via XML Import or GET /contacts
Social Security Number	Contact record SSN field (stored in NLS)
Date of Birth	Contact record DOB field
Account Number	Loan ID from NLS
Account Type	Loan template → Account Type field (pre-configured)
Portfolio Type	Loan template → Portfolio Type field (pre-configured)
ECOA Code	Loan template → Primary ECOA Code (pre-configured)
Date Opened	Loan origination date
Current Balance	Outstanding principal from loan record
Scheduled Monthly Payment	Payment schedule from loan terms
Payment Rating (24-month history)	24-month payment history tracked by NLS
Account Status	Loan status codes in NLS
Special Comment Code	Configurable per loan in NLS templates
Consumer Address	Contact record address fields

Technical Notes

•NLS has native Metro 2 credit bureau reporting as a standard feature. Metro2 provides enhanced CDIA validation and managed bureau delivery on top.
•NLS API uses OAuth 2.0 with 5-minute token expiry. Each active token/connection counts as one seat license.
•The API supports both XML and JSON payloads (JSON is being progressively implemented across endpoints).
•Swagger/OpenAPI spec available at api-demo.nortridge.com/swagger/docs/v30.0.
•Metro 2 files generated by NLS are saved in the database for historical records. Processing runs via Processing > Transaction.
•Credit bureau SFTP transmission is configured in Setup > System > SFTP Settings.
•NLS includes Palinode (Sonnet) integration for eOscar credit dispute investigation.
•Integration partners include REPAY (payments), TransUnion/Equifax/Experian (native credit bureau), DocuSign, and Solutions By Text.

Get Set Up in 5 Steps

Generate NLS API Credentials

Create an API user in Nortridge. The default client ID is 'apiuser'. Each active API token counts as one seat license.

Connect in Metro2

Enter your NLS API base URL and OAuth 2.0 credentials. Metro2 will authenticate and verify the connection.

Review Loan Template Mappings

NLS stores Portfolio Type, Account Type, and ECOA Code in loan templates. Verify these are configured correctly — Metro2 pulls them directly.

Configure SFTP for Bureau Delivery

Set up SFTP credentials in NLS under Setup > System > SFTP Settings for direct bureau file transmission, or let Metro2 handle delivery.

Test and Launch

Generate a test Metro 2 file, validate against CDIA rules, and enable production reporting.

Frequently Asked Questions

Does Nortridge already have Metro 2 reporting?

Yes. Nortridge Loan System has built-in Metro 2 file generation as a standard feature — not an add-on. It stores Portfolio Type, Account Type, ECOA Code, and Special Comment Codes at the loan template level. Metro2 adds an enhanced validation layer and managed bureau delivery on top of NLS's native capabilities.

How does NLS API authentication work?

NLS uses OAuth 2.0 with token-based authentication. The default client ID is 'apiuser'. Access tokens expire every 5 minutes per OAuth best practices. Each active token/connection counts against your seat license.

What is the API documentation format?

NLS publishes Swagger/OpenAPI documentation. The demo Swagger spec is available at api-demo.nortridge.com/swagger/docs/v30.0 with an interactive Swagger UI at api-demo.nortridge.com/swagger/ui/index.

Can NLS handle credit disputes?

Yes. NLS includes Palinode (Sonnet) integration for credit dispute investigation with eOscar connectivity. This allows end-to-end dispute management directly within the loan system.

What does NLS cost?

NLS starts at $1,200/month (includes 3 full users). Additional full users are $400/month each, read-only users are $57/month. Platform setup is a $1,750 one-time fee. SQL Data Access is $280/month.

What loan types does NLS support?

NLS is highly configurable and handles virtually any loan type — consumer, auto, personal, business, equipment, real estate, and specialty lending products.

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Ready to Connect Nortridge Loan System?

Start reporting to credit bureaus from Nortridge Loan System today. Our team will help you get set up quickly.