• Agentic AI banking platform nCino announced a new partnership with Cornerstone First Mortgage, a full-service mortgage bank based in San Diego, California; as well as new capabilities for its Mortgage Point of Sale solution.
• Cornerstone First Mortgage highlighted nCino’s Mortgage Point of Sale solution in its partnership announcement, praising the technology’s flexibility and mobile capabilities.
• nCino also unveiled LeadGen PreQual, a new capability for its Mortgage Point of Sale solution that gives borrowers key eligibility information before opening an account or filling out a loan application.

This week marks both a new customer and a new capability for nCino’s Mortgage Point of Sale.

Agentic AI banking platform nCino announced this week that Cornerstone First Mortgage (Cornerstone) has selected nCino’s Mortgage Point of Sale to enhance the customer experience and to support the firm’s continued expansion across the US. The San Diego, California-based full-service mortgage bank chose nCino’s solution for its ability to support Cornerstone’s branch-based model while still providing a consistent borrower experience nationwide. Cornerstone operates in 49 states through a network of 130 branches that support dozens of local brands.

“Your point-of-sale platform is the first representation of your company after that initial conversation with a borrower,” Cornerstone President of Operations Eric Rotner said. “As we evaluated the next phase of growth for our business, we wanted a solution that could support our branch network, preserve the local brands our loan officers have built and provide a better experience for our borrowers. nCino’s Mortgage Point of Sale stood out because of its flexibility, mobile capabilities, and the team’s commitment to helping us succeed.”

Cornerstone, which has doubled in size twice over the past three years, has leveraged its deployment of nCino’s technology to reduce borrower friction and streamline the lending process. The bank is using nCino-connected verification tools to boost adoption of digital income, employment, and asset verification, and is also speeding up its adoption of solutions such as eNotes and remote online notarization (RON).

“Cornerstone has built an impressive growth story by empowering entrepreneurial branch leaders while maintaining a strong commitment to the borrower experience,” nCino General Manager Casey Williams said. “We’re proud to support their continued expansion and look forward to helping the organization drive even greater efficiency, consistency, and customer satisfaction through nCino’s Mortgage Point of Sale.”

nCino’s partnership announcement accompanies news that the company has added a new capability to its Mortgage Point of Sale solution. LeadGen PreQual enables borrowers to receive a real, credit-backed prequalification letter before opening an account or filling out a loan application. The new capability delivers flexible credit and verification options, lender branding, and seamless profile continuity to meet borrowers where they are and where they go.

Why is this a significant addition? nCino notes that many lenders require potential borrowers to create an account and complete a full application before getting any sense of how much they will be able to finance. This often leads to borrower abandonment. While some lenders have attempted to reduce friction with more minimalist lead capture forms, these alternatives fail because they tend to collect unverified, borrower-provided information that produces soft leads rather than credit-backed assessments of borrower eligibility. This forces lenders to have to make product and qualification decisions based on unconfirmed, potentially inaccurate information.

With LeadGen PreQual, borrowers click a link from their loan officer and complete a short, mobile-optimized form. With borrowers’ consent, an automatic credit check analyzes if a conventional loan may receive an Accept risk class from Freddie Mac’s Loan Product Advisor (LPA). This includes the determination of whether the loan is eligible for an automated collateral evaluation (ACE) appraisal waiver. Based on a review of the assessment results, credit information, and data from the mobile form, borrowers can immediately generate and download a prequalification letter on their mobile device.

“Borrowers today expect the same immediacy from their lender that they get from every other financial service they use,” Williams explained. “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.”

Headquartered in Wilmington, North Carolina, and founded in 2011, nCino made its Finovate debut at FinovateEurope 2017. With more than 2,700 customers worldwide—including community banks, credit unions, independent mortgage banks, and some of the largest international financial institutions—nCino offers an agentic banking platform that enables organizations to reduce inefficiency, enhance decision-making, and deliver better outcomes for their customers.

nCino is a publicly traded company on the NASDAQ under the symbol NCNO. The firm has a market capitalization of $1.9 billion. Sean Desmond is nCino’s President and CEO.

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• Agentic banking innovator nCino has teamed up with Austrian banking cooperative Raiffeisenbankengruppe Oesterreich.
• The financial institution will use nCino as its unified lending platform, supporting the complete financing lifecycle from initial application to final disbursement.
• Founded in 2012 and headquartered in North Carolina, nCino made its Finovate debut at FinovateEurope 2017 in London. Sean Desmond is President and CEO.

Agentic banking platform provider nCino announced a new partnership with Austrian financial institution Raiffeisenbankengruppe Oesterreich. The company, one of the largest cooperative banking institutions in Europe, will use nCino as its unified corporate lending platform to support the entire financing lifecycle, including origination, underwriting, pricing, compliance, and portfolio monitoring.

“Raiffeisenbankengruppe Oesterreich is aware of its responsibility towards society and provides strong momentum for the promotion of the regional economy,” Chairman of the Raiffeisen Kooperationsgenossenschaft, Reinhard Schwendtbauer, said. “Raiffeisen focuses on long-term customer relationships, which are always built on trust—trust between our eight Raiffeisenlandesbanken, our local Raiffeisenbanken, and the communities they serve. nCino gives us the modern foundation to honor the trust of our customers and our responsibility towards them—with a platform designed specifically for how we work.”

The nCino platform spans financing products from current account credit to term loans. The platform’s features include Banking Advisor, an AI chat interface that generates credit memo narratives and application summaries, and standardizes documentation, while Priority Manager tracks file completion. The platform also offers mortgage lenders a multilingual AI chat interface, Mortgage Advisor, that provides 24/7 guidance and Doc Validation that accelerates document collection and classification. Combined, these automation tools help financial institutions lower costs, accelerate speed-to-close, and provide positive borrowing experiences for customers.

“In the DACH region, Raiffeisenbankengruppe Oesterreich is a powerful example of what’s possible when a traditional cooperative banking institution decides to modernize at scale,” nCino Managing Director of EMEA Joaquín de Valenzuela said. “They bring a century of community banking expertise to this partnership and nCino brings the platform and the cooperative banking expertise to help them take it further. We look forward to working alongside their team to bring a new standard of efficiency and innovation to corporate lending across Austria.”

One of Europe’s largest and most complex cooperative banking institutions, Raiffeisenbankengruppe Oesterreich has eight regional Raiffeisenlandesbanken that serve as central financing institutions for 270 local Raiffeisenbanken throughout Austria. The institution has its origins in the Raiffeisen movement in Germany and Austria in the 1880s, which was a cooperative banking initiative based on the ideas of mutual aid, self-help, and community solidarity. The movement was designed to address the financial challenges faced by farmers and others in rural communities, providing them with affordable financial services. Raiffeisenbankengruppe Oesterreich’s international operations are consolidated under Raiffeisen Bank International (RBI), which is owned by Raiffeisenlandesbanken. The group reported assets of €404.5 billion ($445 billion) as of the end of 2024.

Founded in 2012, nCino made its Finovate debut at FinovateEurope 2017 in London. Today the North Carolina-based fintech has more than 2,700 customers around the world—including community banks, credit unions, independent mortgage banks, and other financial services providers. The company’s dual workforce of AI agents and human teams helps financial institutions become more efficient, make more informed decisions, and deliver better outcomes for their customers.

nCino is a publicly traded company on the NASDAQ under the ticker NCNO. The company has a market capitalization of $1.97 billion.

Photo by Pierre Blaché on Unsplash

• Banking solutions provider nCino announced the general availability of ProBanker by FullCircl.
• The new offering, developed in partnership with Experian, gives banks and other financial institutions visibility into credit status, affordability, and liquidity.
• nCino was founded in 2012. The company acquired FullCircl in October 2024.

Less than a year after acquiring Client Lifecycle Intelligence platform FullCircl, banking solutions provider nCino has announced the general availability of ProBanker by FullCircl. Developed in collaboration with fellow Finovate alum Experian and part of a suite of Smart Solutions, ProBanker provides near real-time visibility into commercial credit status, affordability, and liquidity across the UK lending landscape. This enables banks and other financial institutions to follow and observe potential opportunities and risks at both the portfolio and individual level.

“This isn’t theoretical—it’s about solving the fundamental problem every commercial lender faces: How do you assess true customer risk and identify opportunity when you only see part of their financial picture?” nCino Associate Director, Product Management, Immy Tugcu said. “ProBanker represents a timely and transformational capability for both traditional and alternative funding providers looking to improve portfolio performance, retain market share, and meet growing expectations around speed, compliance, and customer experience.”

ProBanker leverages a rich dataset of approximately 18 million UK commercial credit accounts, as well as business current account data beyond the mandated Competition and Markets Authority 9 (CMA9) banks. The solution empowers lenders with a multi-bank, total market view of a customer’s credit exposure, and enables them to track both affordability and liquidity in near real-time. ProBanker helps strengthen portfolio health by spotting early warning signs of financial distress, and enhances customer outcomes through proactive engagement and personalized outreach.

In a statement, nCino noted that, in an initial pilot with a major UK bank, the financial institution observed that ProBanker helped them identify potential credit risks six months earlier on average compared to its current processes. The bank also said ProBanker helped them support customers who were eligible for extended or new funding products.

“In today’s fast-paced and increasingly complex lending environment, real-time, high-quality data and insight are the bedrock of being able to make confident, informed decisions at speed,” said David Gallihawk, Experian UK&I Chief Product Officer, Business Information Services. “ProBanker delivers exactly that. Our collaboration with nCino will bring greater transparency and help modernize lending opportunities, allowing clients to unlock deeper value from their portfolios.”

Founded in 2012, nCino made its Finovate debut at FinovateEurope 2017 in London. The company’s ProBanker with FullCircl launch comes a little over a month after the company announced that Japanese bank group SBI Credit Guarantee Co., Ltd. had gone live with nCino as the platform for its mortgage guarantee business. In May, nCino unveiled a range of new platform enhancements designed to help banks, credit unions, and other financial institutions secure a competitive advantage via intelligence-driven automation.

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