nCino

Securely retrieve employment history and income by allowing borrowers to connect through Argyle.

Overview#

nCino streamlines the mortgage process by providing a centralized platform for loan origination, processing, and underwriting, as well as collaboration, tracking, and real-time information exchange tools for loan originators, processors, underwriters, and borrowers.

Integrating Argyle with nCino creates a seamless and automated workflow:

1. Borrowers are able to connect their payroll accounts through Argyle within nCino.
2. Argyle delivers paystubs, W2s, and an income & employment verification report PDF to nCino.
3. All payroll documents and verification reports are viewable in nCino and [optional] Encompass.

Integration steps#

What to expect#

Borrower connection process#

After the Argyle integration is enabled, borrowers will be able to connect their payroll accounts within nCino by selecting their source(s) of income (such as their employer) and providing their payroll system or employer's login credentials. These are the same login credentials they would use to manually retrieve copies of their paystubs and tax documents.

Payroll documents and verification reports delivered to nCino#

After each payroll account is connected, Argyle will deliver the following PDF documents to nCino:

• All paystubs from the past 30 days
• The two most recent Form W-2 tax documents available
• A Verification of Income and Employment (VOIE) report (sample report)

Payroll documents and verification reports available in Encompass#

If you use Encompass as your LOS alongside nCino as your POS, the PDF documents and verification reports requested in nCino can automatically be sent to the relevant eFolder within Encompass by enabling the "Enable compatibility with nCino" Encompass configuration toggle, which can be found via the Encompass tile within the Developers section of Console: