- nCino launched its Loan Officer Productivity Suite, a set of AI-powered and automated tools designed to streamline mortgage origination workflows and improve loan officer productivity.
- The suite includes six capabilities spanning borrower eligibility checks, underwriting summaries, pre-approvals, disclosures, and connectivity with external AI agents through MCP.
- The launch focuses on workflow execution, potentially helping mortgage lenders increase loan volume without adding staff.
Agentic AI banking platform nCinounveiled its Loan Officer Productivity Suite today. With the new set of tools, the North Carolina-based company aims to help increase the productivity of mortgage originators by adding automated actions.
Launched inside the nCinoMortgage Solution, the new suite uses each lender’s own data, product guidelines, and workflow rules to give originators answers specific to their institution and let them take action. Among the clients already using the Loan Officer Productivity Suite is Educated Mortgage, which uses it for daily origination workflows; and Security National Financial Corporation, which uses the tool to prepare its loan officers by giving them relevant borrower information.
“We’re excited to equip our loan officers with nCino’s intelligent features so they’ll have more confidence knowing exactly what each file needs to keep moving and can trust that routine tasks and borrower questions are being handled along the way,” said Security National Financial Corporation Vice President and CIO Thayne Atkinson.
The Loan Officer Productivity Suite is launching with six major elements:
- Mortgage Advisor for Loan Officers: Allows originators to ask questions naturally and receive plain-language answers about their pipeline, individual loan files, and GSE guidelines.
- Loan PreCheck: Evaluates borrower eligibility against multiple guidelines and recommends the best-fit loan program before the underwriting process takes place.
- Mortgage MCP for Loan Officers: Allows loan officers to connect their preferred AI agents directly to the nCino Mortgage Suite using an MCP connection.
- AUS Smart Tasks: Turns underwriting findings into a plain-language summary and surfaces suggested tasks.
- Automated Pre-approval: Unifies credit authorization, verification services, fee calculations, and dual AUS integrations into a single process.
- Automated Disclosures: Automates Initial Disclosures and Redisclosures for standard loan templates.
“Loan officers are being asked to handle more work without sacrificing responsiveness to borrowers,” said nCino General Manager of Global Mortgage Casey Williams. “The Loan Officer Productivity Suite helps create that capacity by taking routine work off originators’ plates and putting answers and next steps at their fingertips, so they can stay responsive and competitive without adding more hours to the day.”
Since it was founded in 2012, nCino has shifted from a cloud banking tool provider to providing more agentic-focused tools that help clients execute workflows. Because mortgage originators spend a significant amount of time navigating disconnected systems, reviewing borrower information, and completing administrative tasks, shifting to more automated execution could help increase loan volume without adding staff. Additionally, nCino’s support for MCP opens the door for lenders to use external AI agents to interact with their mortgage technology, which could change how loan officers work with their existing systems.
