# Your loan officers are already using AI. The question is where.
**Built-in AI**

nCino's AI runs from application through clear to close, on one secure, mobile native solution.

nCino's AI runs from application through clear to close on one secure, mobile-native mortgage solution. Here's what to evaluate.


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## What to evaluate when AI is on the table

Every platform in this market says AI. The differences show up in four places.
### Where the AI stops
Application intake is the easy part. Ask what happens to the file after that: fees, disclosures, conditions, closing. AI that hands the loan to another system halfway through is an AI demo, not an AI platform.
### Whether an examiner can follow it
Fast AI is easy to show. AI you can defend in an examination is the harder part. Every action should sit inside your permissions and your audit trail.
### Whether you can build on it
Your platform holds your loan data. Ask to see the published API documentation, and ask whether your own tools and agents can reach that data. If the answer is a roadmap, you are renting your data back.
### Whether it has run on real loans
Benchmarks run on scenarios. Ask how many loans have gone through the platform in production at an institution like yours, and what the audit found.

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## Take these into your next demo

**Question 1: **At what point in the loan does your AI stop, and what happens to the file after that?

**Question 2: **Can you show us your public API documentation today?

**Question 3: **Is every AI action permissioned and logged where our examiners can see it?

**Question 4: **How many loans has this processed in production at an institution our size?

**Question 5: **What does your release cadence mean for our change management and training?

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> “I asked Mortgage Advisor for Loan Officers something specific, and it cited the guidelines almost immediately. With other AI search tools, you almost have to sit there with 10 different prompts to get the information you’re looking for. This is better.”
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> — Dan O’Brien, President and Loan Officer, Educated Mortgage

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> "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.”
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> — Thayne Atkinson, Vice President and CIO, Security National Financial Corporation

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## Prospects Stats
- **1.6M + documents processed by Doc Validation since October 2025**
- **66% reduction in time to close with eClose**
- **12 days median time to loan approval **
- **76 Borrower Net Promoter Score 2026 average**

_Source: All metrics are reported from customer data and reflect real customer experience on the nCino Mortgage Suite._

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