nCino Mortgage Suite

Unlock new levels of efficiency and profitability with nCino's Mortgage Suite. The only intelligent mobile-native solution that automates application, origination, and closing, delivers modern customer convenience, surfaces data insights, and simplifies incentive compensation management.

Financial institutions processing mortgages face competing pressures: borrowers expect seamless digital experiences, regulatory requirements demand rigorous compliance, and operational teams struggle with manual, disconnected processes. nCino Mortgage Suite transforms how lenders deliver mortgage services by automating complex workflows, unifying previously disconnected systems, and enabling both employees and borrowers to work more efficiently. nCino Mortgage Suite combines industry-leading security, compliance, and scalability with purpose-built mortgage workflows. Your institution gains:

• Enterprise-Grade Security: AWS compliance certifications (SOC 2, ISO 27001) with banking-specific security controls
• Scalability: Process any loan volume with AWS's elastic infrastructure-pay only for what you use
• 99.9% Uptime SLA: Ensure your lending operations never stop
• Proven Reliability: Trusted by 250+ financial institutions worldwide

Flexible Subscription Options: nCino Mortgage Suite is available through flexible subscription models designed to align with your institution's size, loan volume, and strategic priorities. To discuss pricing, implementation, and partnership opportunities tailored to your institution, use the Private Offer button to connect with nCino's sales team.

Core Product Capabilities:

Point of Sale & Application

• Digital application experience optimized for desktop and mobile
• Conditional disclosure logic for personalized customer journeys
• Multi-party application support (co-borrowers, co-signers)
• Real-time credit bureau integration
• Pre-qualification and decision capabilities

Loan Officer Tools

• Automated underwriting workflows configurable to your institution's standards
• Intelligent document management with OCR and data extraction
• Compliance-embedded workflows for ATR/QM requirements
• Condition management with automated tracking and resolution
• Third-party integration framework for appraisals, title, flood, and specialty reports

Closing Coordination & Management

• Native LOS system integration for unified closing experience
• Dedicated title collaboration workspace
• Support for traditional, hybrid, digital, and RON closing scenarios
• eNotarization and eSignature capabilities
• Real-time document tracking and timeline visibility
• Automated compliance and quality checks

Mobile-First Design

• Full origination capabilities from smartphone or tablet
• Offline-capable for field-based loan officers
• Real-time borrower collaboration features
• Document upload and verification via mobile
• Push notifications for time-sensitive updates

Integrated Compensation Management

• Loan origination-tied incentive compensation calculations
• Real-time compensation dashboards and reporting
• Compliance-ready audit trails
• Support for diverse compensation plans (per-loan, per-tier, team-based)

Advanced Reporting & Business Intelligence

• Pre-built dashboards for loan volumes, pipelines, and closings
• Compensation visibility and performance metrics
• Originator productivity tracking
• Loan level profitability analysis

Integrations & Extensibility

• Pre-built integrations with LOS providers (Encompass, Empower, Mortgage Bot, Byte, MeridianLink)
• eClosing partners
• Title and settlement providers
• Credit bureau connections
• Open API architecture for custom integrations