Wilmington-based nCino, Inc. (NASDAQ: NCNO) launched Mortgage MCP on Aug. 07, 2026, enabling lenders to connect Model Context Protocol (MCP)-compatible AI agents directly to the nCino Mortgage Suite. This integration allows financial institutions to automate complex administrative and origination tasks through natural language interfaces, reducing manual screen navigation and accelerating workflow execution within existing governance frameworks.

The release addresses operational inefficiencies in mortgage processing, where teams frequently toggle between multiple screens for simple actions. By leveraging MCP, an open-source protocol acting as a universal plug between AI agents and external platforms, nCino permits AI agents to execute tasks on behalf of users without requiring direct console access. All actions remain bound by the lender’s existing permission settings and are fully auditable.

Pre-built Tools for Immediate Deployment

Mortgage MCP ships with two specialized tools targeting distinct user groups within lending organizations:

The Admin MCP allows systems administrators to manage loan origination systems (LOS) and point-of-sale systems (POS) via conversation. Administrators can onboard new loan officers, assign state licenses, restructure branches, and generate performance reports without logging into the nCino console. Casey Williams, General Manager of Global Mortgage at nCino, stated that administrative workflows consuming hours can now be completed in five-minute conversations.

The Loan Officer MCP provides a single conversational interface for originators to check loan status, draft disclosures, onboard partners, and receive task reminders. This tool aims to eliminate screen-switching delays, allowing loan officers to focus on borrower relationships rather than data entry.

Governance and Security Controls

The platform is built on nCino’s existing permissioning and audit-logging framework. Every action taken by an AI agent is logged with a timestamp, action description, and outcome within the nCino system. For high-impact actions, such as archiving a loan officer or restructuring a branch, the framework supports configurable controls requiring human confirmation before execution. Customers can tailor these controls to align with their specific approval workflows and regulatory environments.

Existing customers can access Mortgage MCP through their nCino relationship manager. nCino reported serving over 2,700 customers worldwide, including community banks, credit unions, independent mortgage banks, and large global financial entities.

Cornerstone First Mortgage has implemented nCino's Mortgage Point of Sale platform to enhance the borrower experience and support its continued nationwide expansion. The lender operates in 49 states through a network of approximately 130 branches supporting dozens of local brands under the Cornerstone umbrella. This strategic technology adoption aims to support the company's unique branch-based model while delivering a consistent borrower experience nationwide.

Cornerstone has doubled in size twice over the past three years. The company selected nCino's Mortgage Point of Sale for its flexibility, mobile capabilities, and nCino’s commitment to customer partnership. The platform is designed to support the lender's scalable requirements as it evaluates the next phase of business growth.

"Your point-of-sale platform is the first representation of your company after that initial conversation with a borrower," said Eric Rotner, President of Operations at Cornerstone. "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."

Since switching to nCino, Cornerstone has expanded its use of the platform to reduce borrower friction and simplify the loan process. The lender is utilizing nCino-connected verification tools to increase adoption of digital income, employment, and asset verification. Additionally, Cornerstone is accelerating its adoption of eNotes and remote online notarization (RON).

Operational Capabilities

The implementation of nCino's platform supports several key operational goals for Cornerstone First Mortgage:

• Digital Verification: Increased adoption of digital income, employment, and asset verification tools.
• Process Efficiency: Accelerated use of eNotes and remote online notarization (RON).
• Branch Support: Platform flexibility supports a distributed network of approximately 130 branches.

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

Cornerstone First Mortgage is a full-service mortgage bank headquartered in San Diego. All aspects of the loan process, from processing to underwriting to funding, are conducted in-house. nCino is the platform for agentic AI banking, serving over 2,700 customers worldwide, including community banks, credit unions, and independent mortgage banks.