Mortgage technology firm nCino says it has new mortgage-focused AI innovations designed to accelerate loan origination, reduce underwriting touches and deliver more responsive borrower journeys.
These advances build on the company’s spring release of Mortgage Advisor and Document Validation, extending AI deeper into the nCino Mortgage Suite to raise loan quality and loan officer productivity, the company says in a release.
The new capabilities include the following:
- AUS Smart Tasks: One of the most complex parts of origination is now simplified with AI that interprets automated underwriting findings into a plain-language summary and clear next steps. Loan officers can act on suggested tasks one-by-one or use templates to automate handling of common conditions, driving faster borrower feedback, cleaner files and greater pipeline capacity.
- Refi Opportunity Analyzer: Created to help lenders capture more revenue from their existing portfolios, this tool continuously scans closed loans against real-time pricing data to identify prime refinance candidates. Prioritized borrower lists with savings projections and readiness indicators give loan officers targeted opportunities to re-engage past customers and strengthen relationships.
nCino has also expanded two capabilities first introduced in May to bring broader impact and stronger results for lenders and borrowers, including the following:
- Mortgage Advisor: Initially launched to support borrowers during post-application document validation, Mortgage Advisor now starts at the very first step. Embedded in the nCino Mortgage mobile app, it offers 24/7, multilingual guidance from application through closing, reducing application abandonment and ensuring greater borrower satisfaction.
- Doc Validation: First designed to ensure borrowers submitted the right document type, Doc Validation now builds on that foundation with full document intelligence. The solution validates names, page counts, expiration dates, and more, catching errors instantly to reduce costly back-and-forth, shorten processing time and deliver cleaner files to underwriting.
“Innovation in mortgage lending is about more than digitization; it’s about fundamentally changing how lenders and borrowers experience the process,” says Casey Williams, general manager of mortgage at nCino. “AI is enabling us to reimagine the loan journey end to end, from smarter document checks to proactive borrower guidance. By unifying intelligent automation with human expertise, nCino is giving lenders a true competitive advantage while making homeownership faster, easier and more accessible.”
“Borrowers expect quick feedback, and loan officers need to focus on high-value work rather than chasing documents or repeating tasks,” adds Tyler Prows, director of product management for U.S. mortgage at nCino, in the release. “These new capabilities let AI handle the background work, whether that’s catching a missing bank statement page or suggesting the next step after AUS. That means cleaner files, quicker answers for borrowers and more capacity for loan officers to focus on relationships and revenue.”
Photo: Steve Johnson