# nCino Mortgage Point of Sale Expands to Support Third-Party Origination _Published: 2026-09-03T07:30:00.000-04:00_ New TPO Experience enables mortgage lenders to manage retail and brokered loans through a single POS with nCino. _New TPO Experience enables mortgage lenders to manage retail and brokered loans through a single POS_ **WILMINGTON, N.C., **September 3, 2026 — [nCino, Inc.](https://www.ncino.com/) (NASDAQ: NCNO), the platform for agentic AI banking, today announced its newest experience for third-party originators. TPO Experience is a new capability within [nCino Mortgage Point of Sale](https://www.ncino.com/mortgage/us/mortgage-pos) that enables mortgage lenders using the Encompass® loan origination system (LOS) from ICE Mortgage Technology® to originate loans submitted by third-party originators on the same platform as their retail business. The expansion comes as the wholesale channel represents a significant and growing share of U.S. mortgage originations. According to Inside Mortgage Finance, wholesale originations accounted for more than one in five mortgages originated in the first quarter of 2026, representing an estimated $440 billion annually. For mortgage lenders with both retail and wholesale operations, managing those channels through separate systems and processes can create duplicate compliance workflows, fragmented reporting and inconsistent experiences for the borrower and staff. TPO Experience closes that gap by consolidating both channels into one continuous process. With TPO Experience, lenders can invite third-party originators to submit loans through the same infrastructure their own loan officers use. Brokered loans are assigned to a loan officer at the lending institution and synced to Encompass with the appropriate channel designation and third-party originators information, allowing the lender’s existing business rules for brokered loans to apply. TPO Experience also gives borrowers a consistent experience when applying for a loan, uploading documents or tracking loan status, regardless of whether they work with a retail loan officer or a third-party originator. “Growth in the wholesale channel is putting more pressure on lenders to eliminate the operational divide between their retail and wholesale businesses,” said Casey Williams, General Manager of Global Mortgage at nCino. “TPO Experience gives lending teams a consistent, efficient path to originate loans, no matter how they come in.” TPO Experience will be made available to nCino Mortgage customers using Encompass in late 2026, with plans to expand support to additional LOS providers. **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 Contacts** 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)