# The Only Mobile-Native Point of Sale With AI Built In Your borrowers deserve better than disconnected systems and manual follow-ups. nCino Mortgage Point of Sale delivers the Agentic Homeownership Journey, with always-on engagement, AI-powered Doc Validation, and real-time updates from inquiry to eClose nCino Mortgage Point of Sale is the only intelligent mobile-native application with built-in AI for document processing, borrower engagement, and closing automation. 600K+ docs processed. Trusted by 2,700+ institutions. --- ## Borrowers Get Answers, Updates, and Approvals Without Waiting Borrowers expect instant answers, not voicemail. nCino Mortgage Point of Sale delivers 24/7 engagement from first inquiry through closing, all from a single mobile-native experience. Real-time loan pricing before they apply. AI-powered guidance at every step. Instant status updates that eliminate "Where's my loan?" calls. - Mortgage Advisor: 24/7 multilingual conversational support grounded in each borrower's loan data (3,000+ conversations generated) - Real-time loan pricing and pre-qualification without a full application - Shareable mobile app with integrated calculators and home search - Complete bilingual (Spanish) loan application on any device with mobile eSign convenience - Automated milestone notifications that keep borrowers moving forward --- ## AI That Handles the Paperwork So Your Team Handles the Relationships Take loan officer productivity to the next level by integrating toolsets, workflows, and third-party technologies into a single-point experience. Data syncing between the loan origination system (LOS) and nCino Mortgage keeps origination teams humming and loan officers producing. - Doc Validation: 600,000+ documents processed, 80,000+ flagged for review. Classifies uploaded documents, extracts data to populate LOS fields, and flags exceptions for human review. - Doc VOI income verification via Freddie Mac AIM, extending coverage from 47% to 70%+ and saving approximately $74 per verification vs. Work Number - Dual AUS integration with automated conditions and AI-powered task generation - Leading LOS integrations with real-time data sync. Support for all loan types (purchase, refinance, home equity), and mobile origination toolset --- > "Through the hybrid eClosing experience with nCino, we’ve been able to shorten a majority of our closings to 15 or 20 minutes." > > — Joe Leone, Mortgage Operations Manager | Genesee Regional Bank --- ## Automate the Last Mile From Closing Docs to Compliance The closing stage is where delays pile up and manual errors cost the most. nCino Mortgage Point of Sale automates closing document sorting and compliance validation, reducing the handoffs between processors, title, and settlement that slow every transaction. Lenders report up to 66% reduction in time to close with eClose. [Explore Mortgage Closing](/closing) --- ## Real-Time Visibility for Agents, Title, and Settlement Real estate agents should not have to call your office to find out where a loan stands. nCino Mortgage Point of Sale gives agents, title partners, and settlement teams real-time visibility into every milestone, with instant mobile pre-approval letters and automated status updates that reduce inbound calls and keep deals moving. - Shareable mobile app branded with partner info - Integrated home search listings and adjustable pre-approval letters - Title and settlement collaboration tools with status tracking - Automated loan status notifications that reduce "Where's the loan?" calls --- ## Explore Digital Mortgage Strategy with nCino ### 5 Things to Consider When Choosing a Digital Mortgage Vendor Choosing the right digital mortgage vendor can feel daunting. Mortgage lenders must consider not only their own business needs, but also federal regulations that impact how they manage and access their borrowers’ data. In an increasingly tech-heavy mortgage environment, lenders are navigating new digital solutions to fix old problems. [Read more](/5-things-to-consider-when-choosing-digital-mortgage-vendor) ### 8 Reasons Credit Unions Are Choosing nCino for Mortgage Origination Credit unions represent a unique sector within the world of finance. They offer an exceptional service to their member base, backed by competitive loan offerings. In order to deal effectively with this unique operational model, credit unions' lending technology needs to align correctly. [Read more](/8-reasons-credit-unions-are-choosing-ncino-mortgage-origination) ### How a Point-of-Sale Solution Transforms Mortgage Lending for Tech-Savvy Customers Applying for a mortgage can be a daunting experience. From collecting and organizing paperwork to completing lengthy application forms, the process can be time-consuming, stressful, and prone to errors. With the help of the right digital mortgage experience and a point-of-sale \(POS\) solution, however, the mortgage application process can be streamlined and simplified for the customer or member, real estate professional, loan officer, title and settlement partner.Keep reading to learn five reasons innovative financial institutions are choosing a digital mortgage solution with a built-in point-of-sale solution to modernize the home lending experience:Power lending experiences with a user-friendly interface.One of the biggest advantages of a digital mortgage experience combined with a point-of-sale solution is the user-friendly interface. With one login, each stage of the mortgage transaction is streamlined across all stages of the journey. The right solution simplifies application processes and provides customers with a simple, easy-to-navigate workflow that guides them through the application process step-by-step. It also empowers real estate agents and lenders to provide pre-approval letters at their office, or more conveniently through a mobile device. This ensures customers provide all the necessary information and reach key milestones, and it makes the application process less intimidating and more accessible. The right solution must also make the experience just as simple and seamless for customers that prefer to work directly with their loan officer. With a native mobile experience, customers can apply for a mortgage, receive approval, and close on their home, all from the convenience of a mobile device. [Read more](/how-point-sale-solution-transforms-mortgage-lending-tech-savvy-customer) ### How Digitizing the Closing Process Can Benefit Your Bottom Line in 2023 With 2023 underway, savvy lenders are looking for mortgage tech that will help them navigate the economic headwinds this year is slated to bring. Efficiency, cost savings, and better collaboration are top of mind for many lenders. But which part of the mortgage journey can they digitize? [Read more](/how-digitizing-closing-process-can-benefit-your-bottom-line-2023) --- [View sitemap](https://www.ncino.com/api/markdown/sitemap)