Cornerstone First Mortgage, a San Diego-headquartered full-service mortgage bank, has moved to nCino’s Mortgage Point of Sale as it looks to improve the experience it offers borrowers and continue its expansion across the US.
The lender, which has twice doubled in size during the last three years, now runs roughly 130 branches spanning 49 states, with dozens of local brands operating under its umbrella. It needed a point-of-sale system that could scale with this distinctive branch-led structure while offering borrowers a uniform experience wherever they are in the country. According to the firm, nCino’s platform was chosen thanks to its adaptability, its mobile functionality and the vendor’s dedication to working closely with its customers.
Since making the change, Cornerstone has broadened how it uses the technology in order to cut friction for borrowers and streamline lending. It is leveraging verification tools connected to nCino to drive greater uptake of digital income, employment and asset checks, while also speeding up its rollout of eNotes and remote online notarisation. These efforts feed into the lender’s wider ambition of enabling loan officers to guide borrowers through mortgages more quickly, consistently and easily.
Cornerstone handles every stage of the lending journey internally, from processing through underwriting to funding.
nCino, listed on NASDAQ under NCNO, describes itself as the platform for agentic AI banking. Serving more than 2,700 customers globally, including community banks, credit unions, independent mortgage banks and major financial institutions, the company deploys AI agents alongside human teams to help institutions remove inefficiencies and improve decision-making.
Cornerstone president of operations Eric Rotner said, “Your point-of-sale platform is the first representation of your company after that initial conversation with a borrower.
“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.”
nCino general manager Casey Williams said, “Cornerstone has built an impressive growth story by empowering entrepreneurial branch leaders while maintaining a strong commitment to the borrower experience. 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.”
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