Release Notes

In this release, we’ve added the new API to retrieve loan details using the Book UUID for LOS synchronization, introduced the XID attribute in entity config and income APIs for improved data traceability, added Ocrolus Intelligence – loan inquiries, and announced general availability (GA) of Docs-to-Digital.

What's new?

SMB

Ocrolus intelligence - loan inquiries

We’re excited to introduce Ocrolus intelligence, a new capability that gives underwriters access to network-level insights directly within each Book. By analyzing merchant activity across thousands of SMB loan applications processed through Ocrolus, it provides a broader, data-driven view of borrower behavior.

The first release under Ocrolus Intelligence is loan inquiries, a feature that helps lenders understand merchant credit-seeking behavior by showing how frequently and recently a merchant has applied for funding across the Ocrolus network.

Underwriters can now identify potential stacking, gauge borrower urgency, and understand merchant tenure, all within the same workflow used for cash flow analysis. Each Book includes a point-in-time timeline of prior applications, giving instant behavioral context without additional integrations.

Key features

• Top bar: Displays merchant details and key metrics, including first and most recent applications and total applications in the past 365 days.
• Application velocity metrics: Summarizes how often a merchant has applied for credit within trailing time windows.
• Loan inquiries table: Chronological record of all prior applications, grouped by month and timestamp.
• API access: A new loan_inquiries node in the Book Summary API delivers the insights programmatically, including total applications, velocity metrics, and historical timestamps.

  📘

  Note

  All API responses are anonymized and do not expose lender identities.

To learn more, see the loan inquiries guide and API documentation.

Mortgage

Retrieve Encompass loan details by book_uuid

We’re excited to introduce the GET /v2/los-connect/book/{book_uuid}/loan API. This API is designed to fetch and correlate the Encompass Loan GUID for a given Ocrolus Book UUID. This ensures accurate, point-in-time synchronization between the Ocrolus platform and Encompass LOS for improved workflow automation and data consistency. To learn more, see the loan details from Book API doc page.

Sample response

{
  "loan_details": {
    "loan_id": "c45d08b2-f123-4dff-82b0-11aa3f5c34d9",
    "loan_number": "TEST202512345",
    "client_instance_id": "TEBE98765432",
    "created_ts": "2025-10-27T17:47:18.955864+00:00"
  },
  "book_details": {
    "book_pk": 764839,
    "name": "Encompass TE Integration Testing-c45d08b2-f123-4dff-82b0-11aa3f5c34d9-001",
    "book_status": "ACTIVE",
    "created_ts": "2025-10-27T17:47:21.129183",
    "book_uuid": "abf37196-12e5-47ca-b33c-e12aa3c9de11"
  }
}

Enhancements

Mortgage

XID attribute support in entity config and income APIs

We’ve introduced a new xid attribute in the entity configuration (request and response payloads) and the income APIs(response payload).

The xid serves as a unique identifier for each borrower–employer pair, enabling seamless data mapping, improved traceability, and easier reconciliation across systems. This enhancement will help you align Ocrolus data with your internal identifiers or external data sources to ensure consistency across income analysis and entity configuration workflows.

To learn more, see the income calculations and entity configuration API documentation pages.

SMB

Docs-to-Digital - GA

In this release, the Docs-to-Digital feature have been moved from Beta to GA. We’ve removed the Beta banner from the impacted API docs and guide pages. The functionality is now supported under our standard production SLAs and support channels. For assistance, please contact Ocrolus Support.