New capability puts the AI agent in the customer’s environment while keeping nCino’s compliance and permissioning framework intact
nCino, Inc. (NASDAQ: NCNO), the platform for agentic AI banking, today announced new capabilities to let lenders connect MCP-compatible AI agents directly to the nCino Mortgage Suite via Model Context Protocol (MCP), an open-source protocol that acts as a universal plug between AI agents and external platforms.
Mortgage teams lose real time to a familiar problem: getting information or taking action means navigating screen after screen, even when the task itself is simple. Mortgage MCP solves that. The agent executes the task on the user’s behalf — no clicking, no toggling between tools — within your existing governance and permissions settings.
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Mortgage MCP currently ships with two pre-built tools for those who want to get to work immediately:
- Admin MCP
Mortgage systems administrators — the internal “product owners” responsible for a lender’s loan origination system (LOS), point-of-sale system (POS) and other key mortgage technologies — spend dozens of hours each month on tasks such as user and role management, system configuration and integration maintenance.
The Admin MCP lets administrators handle those tasks through natural language conversation, without logging into the nCino console. An administrator can onboard a new loan officer, add their state licenses, assign them to a branch, restructure organizational hierarchies, perform compliance tasks and report on loan officer performance in a single conversation.
- Loan Officer MCP
Loan officers move fast — or try to. Between checking loan status, triaging their pipeline, managing borrower records and triggering income and asset verifications, they spend much of their day toggling between screens rather than working with borrowers.
The Loan Officer MCP gives loan officers a single conversational interface to handle those tasks, eliminating the screen-switching that slows origination workflows and keeping their attention on the borrower relationship. Other use cases include running AUS, drafting disclosures, partner onboarding, loan briefings, guidance on where to focus time, and task reminders.
“With Mortgage MCP, administrative workflows that used to consume hours become a five-minute conversation,” said Casey Williams, General Manager of Global Mortgage at nCino. “We’re building for a world where lending teams state intent and the system acts, replacing clicks with commands and dashboards with answers. Admins can connect the AI agent they already use directly into the nCino Mortgage Suite, and it only ever acts within their existing permissions, with every action logged.”
Mortgage MCP is built on nCino’s existing permissioning and audit-logging framework: actions taken through the nCino Mortgage Suite logged with a timestamp, action and outcome within nCino’s system. The framework supports configurable controls for high-impact actions, such as archiving a loan officer or restructuring a branch, including a requirement for human confirmation before execution. Customers have the flexibility to configure these controls to fit their own approval workflows and environment.
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