nCino Mortgage Solution

nCino, Inc. is a leading cloud banking software provider headquartered in Wilmington, North Carolina. It offers cloud-based SaaS solutions to financial institutions globally, transforming operations for over 1,800 banks, credit unions, and other lenders. The company’s Mortgage Suite automates loan processing and closing, enhancing lender profitability and providing a seamless digital mortgage experience for customers. This suite includes mobile-native digital mortgage capabilities that cover the entire homeownership journey from application to closing, improving speed, security, and user convenience.

Founded in 2012, nCino originated as a part of a bank focused on improving internal operations and client service. Realizing the widespread need across the banking sector, it was spun out as an independent company in late 2011 to deliver a comprehensive cloud platform. Initially targeting commercial and small business lending in community and regional banks, nCino expanded to enterprise banks in the U.S. by 2014 and internationally by 2017. The company has since broadened its offerings and geographic footprint to North America, Europe, Asia-Pacific, and more recently Japan and other markets.

fiscal year 2024, it reported $424.7 million in total revenue, with 17% year-over-year growth in subscription revenue, reaching $349.3 million. Its remaining performance obligations (RPO) totaled $977.7 million, reflecting solid contractual revenue.

• A mobile-native digital mortgage platform allowing loan origination, processing, and closing from any device.

   

• An integrated system that connects borrowers, loan officers, real estate agents, and settlement providers for real-time collaboration.

   

• Automation tools that minimize manual tasks and streamline workflows

   

• Incentive Compensation software to manage loan compensation data and improve payroll accuracy.

   

• AI and analytics-driven insights for better decision-making and risk management.

   

• Market-specific solutions tailored for the U.S., UK/Ireland, and Australia/New Zealand with comprehensive coverage of the mortgage lifecycle from inquiry to settlement.

• SimpleNexus (specialized in mortgage technology)

• DocFox, FullCircl, ILT, Visible Equity, FinSuite, and Sandbox Banking, which extended capabilities in mortgage lending, onboarding, indirect auto lending, analytics, and AI.
  These acquisitions have helped nCino build a unified platform that replaces legacy systems and streamlines operations across lending, account opening, and customer onboarding.

The company continually adds innovative features such as advanced analytics, AI/ML capabilities for predictive banking insights, and enhanced mobile experiences to further modernize mortgage lending workflows and improve customer satisfaction. Their solutions focus on ease of use, secure digital closings, collaboration portals for partners, and flexible configurations for diverse markets.

nCino emphasizes innovation, speed, and reputation as core pillars of its mission to transform financial services. With over 1,650 employees, the company fosters a culture dedicated to ethical practices, continuous technological advancement, and customer-centric solutions. Their values include delivering high-quality products, maintaining strong client trust, and supporting rapid operational improvements for financial institutions worldwide.

Serving over 1,800 financial institutions globally, nCino’s user base spans community banks, regional banks, credit unions, and large enterprise banks. Its solutions support broad adoption in mortgage lending markets across the U.S., UK, Ireland, Australia, New Zealand, Japan, and APAC regions. Collaborative platforms within their software promote community engagement among lenders, borrowers, real estate agents, and settlement professionals, enhancing transparency and customer experience.