nCino
nCino is bringing AI to every stage of the mortgage process. The nCino Mortgage Suite embeds intelligence across the entire origination journey, automating underwriting workflows, validating documents instantly, personalizing loan options, and empowering borrowers with 24/7 GenAI support, so lenders can increase profitability, reduce manual work, and compete on experience.
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The nCino Mortgage Suite offers the only intelligent mobile-native Point of Sale that delivers end-to-end automation from application to close with AI-powered tools, an automated incentive compensation management tool, and unified analytics that increase profitability and operational efficiency. Built for IMBs, banks, and credit unions, nCino increases mortgage profitability by automating origination and closing, delivering modern borrower, loan officer, and partner experiences, surfacing data insights, and simplifying incentive compensation management.
Mortgage — Capture more leads, streamline the customer journey, and execute origination and closing processes with improved efficiency through a mobile POS that connects borrowers, loan officers, and third-party stakeholders in one seamless experience.
Lead Gen Pre-Qual — Convert prospects into pre-qualified borrowers in minutes using customizable forms, automated credit checks, and Freddie Mac's LPA Check — no account creation or full application required.
AI Loan Comparison — Surface AI-powered, personalized loan options on desktop or mobile, helping borrowers make faster, more confident decisions while reducing LO workload.
AUS & Smart Tasks — Automatically translate underwriting results into clear, actionable next steps using AI, reducing processing time and keeping loans moving forward.
Doc VOI — Automatically process uploaded W-2s and paystubs through Freddie Mac's AIM API to deliver instant income verification, GSE-ready field population, and a seamless audit trail.
Automated Disclosures — eliminate manual eFolder navigation in Encompass by automatically generating initial disclosures for all borrower pairs with a single field entry, reducing processing time from 3–5 minutes to 15–30 seconds per loan
Incentive Compensation — Replace manual spreadsheets and email chains with automated compensation management that delivers accuracy, transparency, and efficiency every payroll period.
Mortgage Analytics — Increase productivity with intuitive dashboards, pipeline views, loan-level drill-downs, and scorecards that support a unified data strategy.
Doc Validation including Data Extraction — AI-powered document validation instantly classifies uploaded files, provides real-time borrower feedback, and automatically extracts and pre-fills data into the mortgage application and LOS fields, eliminating manual processing and accelerating loan closing.
Mortgage Advisor — A GenAI-powered chat experience embedded in the borrower portal, providing 24/7 multilingual, loan-specific guidance with compliance-focused responses and fully customizable lender branding.
Refi Opportunity Analyzer — Automatically scan your closed loan portfolio, score borrowers using OBMMI index analytics, and generate prioritized refinance outreach lists to drive new loan volume and improve borrower retention.
Customer ROI
- 88% improvement in loan application time (IMB customer)
- 49% improvement to average cycle time (Credit Union customer)
- 80% decrease in loan closing time (Bank customer)
- Source: Metrics are reported from customer data alone and reflect customer experience on the nCino platform.
Highlights
- End-to-End Automation: The only intelligent mobile POS that automates the mortgage process from application to close
- AI-Powered: Built-in AI tools across underwriting, loan comparison, income verification, and pre-qualification
- Intelligent Automation: rules-based triggers and automated workflows to reduce manual tasks across the mortgage lending process.
- GSE-Ready: Native integrations with Freddie Mac LPA, AIM API, and major LOS platforms including Encompass
- Trusted Scale: Serving over 2,700 financial institutions worldwide including IMBs, banks, and credit unions
- All-in-One, End-to-end Suite: Engagement, origination, closing, incentive compensation, and analytics in a single platform on web and mobile-native apps.
Details
Vendor Category
Point of Sale Systems
Pricing Model
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Works well with
ICE Mortgage Technology
MeridianLink
Empower Loan Origination Solution by Dark Matter Technologies
Overview
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Product comparison
nCino
Floify
Tidalwave
Overview
nCino is bringing AI to every stage of the mortgage process. The nCino Mortgage Suite embeds intelligence across the entire origination journey, automating underwriting workflows, validating documents instantly, personalizing loan options, and empowering borrowers with 24/7 GenAI support, so lenders can increase profitability, reduce manual work, and compete on experience.
Where flexibility meets intelligence. Floify’s mortgage POS is dynamic by design and trusted by lenders everywhere.
The Only Agentic AI Mortgage POS+
Highlights
- End-to-End Automation: The only intelligent mobile POS that automates the mortgage process from application to close
- AI-Powered: Built-in AI tools across underwriting, loan comparison, income verification, and pre-qualification
- Intelligent Automation: rules-based triggers and automated workflows to reduce manual tasks across the mortgage lending process.
- GSE-Ready: Native integrations with Freddie Mac LPA, AIM API, and major LOS platforms including Encompass
- Trusted Scale: Serving over 2,700 financial institutions worldwide including IMBs, banks, and credit unions
- All-in-One, End-to-end Suite: Engagement, origination, closing, incentive compensation, and analytics in a single platform on web and mobile-native apps.
- Increase Profitability – Tackle margin compression head-on with automation that reduces manual work, improves accuracy, and drives efficiency across every loan file.
- Enhance the Borrower Experience – Deliver a seamless, digital-first journey with simplified applications, faster approvals, and transparent communication from start to close.
- Attract & Retain Top Talent – Empower elite loan originators with a powerful, flexible POS that adapts to their workflows—boosting productivity and satisfaction.
- Differentiate Your Brand – Stand out in the crowded mortgage market with a modern, configurable platform that delivers a superior borrower and lender experience.
- Simplify Compliance – Navigate complex regulations confidently with Floify’s secure, governed environment designed for peace of mind and data integrity.
- Dynamic Apps – A no-code solution that lets lenders customize loan applications, streamline workflows, and eliminate workarounds—no developers required.
- Dynamic AI – Embedded intelligence that automates document classification and instantly verifies borrower identity, income, and assets, cutting time-to-file and boosting pull-through.
- Award-Winning Support – Backed by an expert team recognized for best-in-class service, Floify partners with lenders every step of the way to ensure success.
- Tidalwave delivers instant answers for borrowers: Through direct integrations with Fannie Mae and Freddie Mac, Tidalwave enables loan officers to give borrowers real-time pre-approvals instead of making them wait weeks.
- Tidalwave eliminates paperwork chasing: By connecting with Plaid, Argyle, and Truv, Tidalwave instantly handles income, employment, and asset checks—freeing loan officers from manual, time-consuming tasks so they can focus on closing loans.
- Tidalwave integrates seamlessly into lender systems: It works with ICE Mortgage Technology to extend automation into compliance checks, document management, and borrower communications—supporting multilingual journeys without extra work for staff.
- Tidalwave cuts lender costs and boosts margins: Freddie Mac reports that loan origination costs have jumped 35% ($3,000 more per loan) and the average lender now loses ~$600 per loan. By automating up to 70% of manual work, Tidalwave reduces costs by $1,500+ per loan and turns costly bottlenecks into profit opportunities.
- Tidalwave broadens access to more borrowers: With built-in Spanish-language support, Tidalwave helps loan officers serve the 23% of Hispanic borrowers who face language barriers—without the need for translators.
nCino
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