# nCino announces LeadGen PreQual, giving borrowers instant, credit-backed mortgage prequalification from their phones _Published: 2026-07-09T07:30:00.000-04:00_ New capability within nCino’s Mortgage Point of Sale lets buyers get a prequal letter before creating an account or completing a loan application _New capability within nCino’s Mortgage Point of Sale lets buyers get a prequal letter before creating an account or completing a loan application_ **WILMINGTON, N.C., July 9, 2026 —** nCino, Inc. (NASDAQ: NCNO), the platform for agentic AI banking, today announced LeadGen PreQual, a new capability within [nCino’s Mortgage Point of Sale](https://www.ncino.com/mortgage/us/mortgage-pos) solution, that lets borrowers receive a real, credit-backed prequalification letter from their phone before they ever create an account or fill out a loan application with their lender. Most lenders still require borrowers to create an account and complete a full application before receiving any indication of what they can afford, a barrier that often leads to borrower abandonment. To capture borrower interest earlier, many lenders have deployed lightweight lead capture forms that solicit basic financial information such as income and target purchase price. But because borrower-provided responses are unverified, those forms produce a soft lead rather than a credit-backed assessment of borrower capacity, leaving lenders to make product and eligibility decisions on unconfirmed data. With nCino's LeadGen PreQual, a borrower clicks a link from their loan officer and completes a short mobile-optimized form. With the borrower's consent, a credit check runs automatically to gain early insights into whether a conventional loan may receive an Accept risk class from Freddie Mac's Loan Product Advisor (LPA), including determination if the loan is eligible for an automated collateral evaluation (ACE) appraisal waiver. Based on the assessment results, credit information and the information from the short mobile-optimized form, the borrower may be able to immediately generate and download a prequal letter. LeadGen PreQual is part of nCino’s Agentic Homeownership Journey, the connected, AI-powered experience nCino delivers across the mortgage lifecycle within Mortgage Point of Sale. Key features of LeadGen PreQual include: **Flexible credit and verification options:** Lenders can choose between a soft or hard credit pull, with the option to require asset and employment verification **Lender branding:** The borrower-facing interface and prequalification letter can be fully branded to the lender **Seamless profile continuity: **If a borrower later creates a loan application using the same email address, their profile carries forward with no re-keying required, keeping the borrower inside nCino’s intelligent platform as they move through a full application “Borrowers today expect the same immediacy from their lender that they get from every other financial service they use,” said Casey Williams, general manager of global mortgage at nCino. “LeadGen PreQual meets that expectation at the moment it matters most, giving buyers a real answer about what they can afford from their phone before they ever step into a lender’s office.” **About nCino ** nCino (NASDAQ: NCNO) is the platform for agentic AI banking. With over 2,700 customers worldwide - including community banks, credit unions, independent mortgage banks, and the largest financial entities globally - nCino offers a trusted agentic platform purpose-built for financial services and regulated industries. By deploying AI agents alongside human teams, nCino's dual workforce enables institutions to eliminate inefficiencies, sharpen decision-making and deliver better outcomes for the customers they serve. For more information, visit [www.ncino.com](https://www.ncino.com/). **MEDIA CONTACT** Riley Keyzer [press@ncino.com](press@ncino.com) **Forward-Looking Statements:** This press release contains forward-looking statements about nCino's financial and operating results, which include statements regarding nCino’s future performance, outlook, guidance, the benefits from the use of nCino’s solutions, our strategies, and general business conditions. Forward-looking statements generally include actions, events, results, strategies and expectations and are often identifiable by use of the words “believes,” “expects,” “intends,” “anticipates,” “plans,” “seeks,” “estimates,” “projects,” “may,” “will,” “could,” “might,” or “continues” or similar expressions and the negatives thereof. Any forward-looking statements contained in this press release are based upon nCino’s historical performance and its current plans, estimates, and expectations and are not a representation that such plans, estimates, or expectations will be achieved. These forward-looking statements represent nCino’s expectations as of the date of this press release. Subsequent events may cause these expectations to change and, except as may be required by law, nCino does not undertake any obligation to update or revise these forward-looking statements. These forward-looking statements are subject to known and unknown risks and uncertainties that may cause actual results to differ materially including, but not limited to risks associated with (i) adverse changes in the financial services industry, including as a result of customer consolidation or bank failures; (ii) adverse changes in economic, regulatory, or market conditions, including as a direct or indirect consequence of higher interest rates; (iii) risks associated with acquisitions we undertake, (iv) breaches in our security measures or unauthorized access to our customers’ or their clients' data; (v) the accuracy of management’s assumptions and estimates; (vi) our ability to attract new customers and succeed in having current customers expand their use of our solution, including in connection with our migration to an asset-based pricing model; (vii) competitive factors, including pricing pressures and migration to asset-based pricing, consolidation among competitors, entry of new competitors, the launch of new products and marketing initiatives by our competitors, and difficulty securing rights to access or integrate with third party products or data used by our customers; (viii) the rate of adoption of our newer solutions and the results of our efforts to sustain or expand the use and adoption of our more established solutions; (ix) fluctuation of our results of operations, which may make period-to-period comparisons less meaningful; (x) our ability to manage our growth effectively including expanding outside of the United States; (xi) adverse changes in our relationship with Salesforce; (xii) our ability to successfully acquire new companies and/or integrate acquisitions into our existing organization; (xiii) the loss of one or more customers, particularly any of our larger customers, or a reduction in the number of users our customers purchase access and use rights for; (xiv) system unavailability, system performance problems, or loss of data due to disruptions or other problems with our computing infrastructure or the infrastructure we rely on that is operated by third parties; (xv) our ability to maintain our corporate culture and attract and retain highly skilled employees; and (xvi) the outcome and impact of legal proceedings and related fees and expenses. --- [View sitemap](https://www.ncino.com/api/markdown/sitemap)