An agent's net sheets and client book live inside WesternAgent ONE

Every seller net sheet WesternAgent ONE produces carries a sale price, the loan payoffs, list-side commission, the title premium for that deal's county, recording and transfer fees, prorations, and — since the 2024 NAR commission settlement — a separate buyer-agent compensation line. That packet does not stay on the phone. It is saved to the agent's PalmAgent account, where the same record is reachable from the mobile app, the YourAgentApp web portal, and the PalmAgent Dashboard a title rep logs into. The interesting problem for a brokerage or title company is getting those saved records, the buyer estimates, and the client database back out in a structured form. That is the work this brief is about.

Bottom line: this is authenticated SaaS data, not a public feed and not a bank account, so no open-banking or AIS consent regime applies. The route that actually holds up is protocol analysis of the traffic between WesternAgent ONE and the PalmAgent backend, run under the authorization of the account holder whose net sheets you want — typically a sponsoring title company or a brokerage acting for its agents. Native PDF and email export covers the gaps where a saved record can only be reached as a rendered document.

What sits in an agent's PalmAgent account

These are the surfaces a WesternAgent ONE integration actually touches, named the way the app and the PalmAgent portal use them.

Reaching the saved net sheets

Three routes apply here. They are not equal.

Protocol analysis of the app-to-PalmAgent traffic

WesternAgent ONE authenticates an agent against the PalmAgent backend and then reads and writes saved net sheets, estimates and the client list over that session. Mapping those calls — the auth handshake, the saved-record endpoints, the rate-config payloads — gives a clean, queryable interface to everything the account holds. This is the durable choice and the one we would build the spine of the integration on. Effort is moderate: most of it is decoding the session and token handling and the saved-record schema, including the pre- and post-NAR net-sheet shapes. We arrange the authorized test account and the working agreement with you during onboarding; the build runs against a consenting account or a sponsor's environment, not against anyone else's data.

User-consented credential access

Where a one-off or low-volume pull is enough, the agent's own PalmAgent login, used with their consent, drives the same saved-record and client-database reads through the portal. Lighter to stand up, and fine for a migration; it shares the portal's session lifetime, so it is not the choice for a continuous sync. We handle the consent capture and the credential handling as part of the engagement.

Native export

The app already saves net sheets as PDF and emails them. Where a record is only reachable that way, we parse the structured fields out of those documents. Treated as a fallback and a reconciliation check against the protocol route, never as the primary path.

What we would recommend: build on the protocol route for anything ongoing, fold credential access in for migrations or accounts where it is simpler, and keep the PDF parser as the safety net for records that surface only as documents.

A saved-net-sheet pull, sketched

Illustrative shape, to be confirmed against the live traffic during the build — field names and the exact auth chain are pinned down then, not guessed here.

POST /portal/auth/login
  { "email": "<agent>", "password": "<secret>" }
-> 200 { "sessionToken": "...", "agentId": 48213, "sponsor": "western-title" }

GET /portal/netsheets?agentId=48213&updatedSince=2026-04-01
  Authorization: Bearer <sessionToken>
-> 200 [
     { "id": 90517,
       "type": "seller_net_sheet",
       "county": "Maricopa, AZ",
       "sponsor": "western-title",
       "schemaVersion": "post-nar-2024",
       "salePrice": 615000,
       "loanPayoff": 382400,
       "listSideCommission": 18450,
       "buyerAgentCompensation": 15375,
       "titlePremium": 1842.50,
       "recordingFees": 235,
       "prorations": -1190.22,
       "netToSeller": 396847.28,
       "clientId": 5510, "savedAt": "2026-04-22T15:02:11Z" } ]

# 401 -> session expired: re-run /portal/auth/login, retry once, then back off.
# schemaVersion may be "legacy" on older saved sheets -> map to the same model.

The two things that matter in that response are schemaVersion, which tells the normalizer whether a buyer-agent compensation line is present, and sponsor, which decides which county rate table the figures were priced against.

What lands at the end of the build

Concrete artifacts, each tied to a surface above:

• An OpenAPI/Swagger spec for the observed saved-net-sheet, buyer-estimate and client-database endpoints, including the rate-config payloads.
• A protocol and auth-flow report: the email/password to session-token chain WesternAgent ONE and the YourAgent web portal use, including token refresh and expiry behaviour.
• Runnable source in Python and Node.js for authentication, listing and fetching saved net sheets and buyer estimates, pulling the client database, and decoding the county/sponsor rate config.
• A normalized schema that maps the pre- and post-NAR net-sheet layouts onto one model, with the sponsor and county carried through.
• A PDF/email fallback parser for net sheets that only exist as rendered documents.
• Automated tests with fixture deals spanning several counties and sponsors.
• Interface documentation and CCPA/CPRA-aligned data-retention guidance for the records you pull.

Handling agents' and clients' data lawfully

No consumer open-banking or financial-data-rights regime governs this data — it is not a bank account, and the federal open-banking debate around deposit accounts does not reach a real-estate net-sheet tool. What does apply is US state privacy law. A saved net sheet ties a named seller to their proceeds; a buyer estimate ties a named buyer to their cash to close; the client database is a contact list with financial context attached. Under California's CCPA/CPRA — enforced by the California Privacy Protection Agency, which made data minimization the centre of its first enforcement advisory in April 2024, per the CPPA — and comparable state statutes, that is personal information, and the brokerage or title company holding it is the business. We work only from a consenting account holder's authorization, scope the pull to the fields you actually need, keep an access log of what was read, and sign an NDA where the engagement calls for one. Consent is revocable and the build respects that revocation in how the sync is keyed.

Engineering details we plan around

Things specific to WesternAgent ONE that we account for, so they do not surprise the integration later:

• Per-sponsor, per-county rate config. The same engine ships under many title-company brands, and the fee and title-premium schedules differ by sponsor and by county. We map that configuration explicitly and tag every pulled net sheet with the sponsor and county it was priced under, so one market's figures are never reconciled against another's table.
• The NAR-settlement schema break. The saved net-sheet layout changed when the buyer-agent compensation format was added for the 2024 NAR settlement. We model both the older and the newer layouts and normalize them, so historical estimates and new ones land in one schema rather than two.
• Three surfaces over one account. The phone app, youragent.palmagent.com and the title-rep Dashboard are views of the same account but expose the record differently. We confirm which surface carries the complete saved record and client database for your case and build the pull against that one, instead of the thinner mobile calculator state.
• Session lifetime on consented pulls. When the integration runs on a consenting agent's session, we design the sync around the portal's token and session lifetime and a single clean re-auth, so a long run does not silently drop part-way.

Where teams put this to work

• A title company syncing every net sheet its sponsored agents save, so a likely closing shows up in order intake before the file arrives.
• A brokerage pulling agents' saved buyer estimates into its transaction-management system so the figures a client was shown match the file of record.
• Compliance exporting the buyer-agent compensation line across saved estimates to evidence NAR-settlement disclosure consistently.
• A team leaving WesternAgent ONE, moving an agent's saved net-sheet history and client database into another platform without rekeying.

What the app looks like

Store screenshots, useful for confirming which calculators and saved views the integration has to cover. Select to enlarge.

What was checked, and where

This mapping was put together on 18 May 2026 from the app's own store listing and feature notes, the PalmAgent portal and dashboard surfaces, the NAR commission-settlement reporting that explains the buyer-agent compensation change, and California's consumer-privacy guidance for the data-handling footing. Primary sources opened:

• WesternAgent ONE on Google Play
• PalmAgent — product, portal and dashboard overview
• NAR settlement FAQ (buyer-agent compensation changes)
• California Attorney General — CCPA

Mapped by the OpenBanking Studio integration desk, May 2026.

Other closing-cost and title tools in the same space

Same category, named for ecosystem context — a unified integration usually has to reconcile records across more than one of these.

• TitleCapture — a title-quote platform that stores branded net sheets, buyer estimates and Loan Estimate / Closing Disclosure quotes for title agencies.
• Elko — a branded seller net-sheet and title-quote calculator holding partner rate tables and saved quotes.
• Net Sheet Calc by TitleTap — a branded title-insurance rate calculator producing seller net sheets for title agents and real-estate law firms.
• Qualia — a title and escrow production platform whose Connect apps track orders and closing data.
• E-Closing — cloud title-production and closing software holding transaction and escrow records.
• SoftPro — title-production software storing order, settlement-statement and closing-cost data.
• ResWare — a title and escrow workflow platform with order and document records.
• WFG National Title net-sheet calculator — a branded online net-sheet tool tied to a national title underwriter.
• FidelityAgent ONE and CTOAgent ONE — same-engine PalmAgent-branded closing-cost apps under different title-company sponsors, holding the same net-sheet and client data model.

Questions integrators ask about WesternAgent ONE

Does the buyer-agent compensation line added for the NAR settlement come through when you pull a net sheet?

Yes. The saved net-sheet layout changed when PalmAgent added the buyer-agent compensation format for the 2024 NAR commission settlement, so we model both the older and the newer layouts and normalize them to one schema. Estimates saved before and after the change line up in the export.

We sponsor more than one PalmAgent-branded app across different title companies — can the integration keep each one's county rate tables separate?

Yes. Rate and title-premium schedules are distributed per sponsoring title company and per county, so we map that configuration explicitly and tag every pulled net sheet with the sponsor and county it was priced under, instead of flattening them into one table.

Is the data behind the mobile app the same as the youragent.palmagent.com web account?

They are views of the same account. WesternAgent ONE on a phone, the YourAgentApp web portal and the PalmAgent Dashboard for title reps share the agent's saved net sheets and client records, so we confirm which surface carries the full record for your case and build the pull against that one.

Our agents' net sheets hold seller proceeds and client contact details — how is that data handled?

Real-estate transaction records like these are personal information under California's CCPA/CPRA and comparable state laws, with the brokerage or title company acting as the business. We work only from a consenting account holder's authorization, minimize what is pulled to the fields you actually need, keep an access log, and sign an NDA where required.

If we only need the saved net sheets and not the client database, is that a smaller build?

It is the lighter of the two scopes, since the client database and marketing history add their own endpoints and retention questions. Either way the delivery cycle runs one to two weeks.

Source is delivered for a fixed fee from $300, payable only after the net-sheet and client-database pull works against your own PalmAgent account and you are satisfied with it; or skip the build entirely and call our hosted endpoints instead, paying per request with nothing upfront. Tell us the app name and what you need from its data at /contact.html — the authorized test account, any title-company arrangement and the compliance paperwork are sorted out with you from there, not asked of you before we start.