nCino Mortgage Point Of Sale Expands To Support Third-Party Origination
nCino, Inc. (NASDAQ: NCNO), the platform for agentic AI banking, announced its newest experience for third-party originators. TPO Experience is a new capability within nCino Mortgage Point of Sale 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.
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