nCino

Securely retrieve income, assets, and employment history with direct borrower connections in nCino.

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.

Admin setup#

1. Reach out to an Argyle representative to begin the setup process.
2. Argyle will provide the following nCino integration credentials:
   • Argyle API Key and Argyle API Secret
   • Argyle Flow ID — Determines the payroll connection borrower experience.
   • Mastercard PartnerID
   • Mastercard API Key and Mastercard API Secret
   • Mastercard Flow ID(s) — Determines the banking connection borrower experience.
3. Contact your nCino representative to complete the set-up process. More information can be found by visiting nCino's implementation portal.

Employment & Income#

Overview

Integrating Argyle direct payroll 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.

Borrower experience

1. After the Argyle integration is enabled, borrowers will be able to connect their payroll accounts within nCino by selecting their source(s) of income.

   

2. Borrowers enter their login credentials for the employer or payroll system they selected. These are the same login credentials they would use to manually retrieve copies of their paystubs and tax documents.

   

Verification reports and payroll documents#

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)

The payroll documents and VOIE report can be accessed within the Documents section of your Loans dashboard:

Testing profiles

1. Use Argyle's sample user credentials to log in to:
   • Any employer or payroll provider (if testing in Argyle's Sandbox testing environment)
   • Platformtronic as the employer (if testing in Argyle's Production environment)
2. For specific scenario testing, the following sample users are also available:

   	Homer Loanseeker	Suzi Builder	Andy Freddie
   Email	homer_loanseeker@argyle.com	suzi_builder@argyle.com	andy_freddie@argyle.com
   Username	homer_loanseeker	suzi_builder	andy_freddie
   Password	passgood	passgood	passgood
   Verification code	9081	9084	9088
   Phone number	(800) 900-0101	(800) 900-0104	(800) 900-0108
   Driver's license #	D1230101	D1230104	D1230108
   Returns	1 active employment	2 active employments	1 active and 1 terminated employment

Importing to Encompass®

If you use Encompass® as your LOS alongside nCino as your POS, the PDF documents and verification reports requested in nCino can be made viewable within Argyle's Encompass® integration by enabling the "Enable compatibility with nCino" Encompass® configuration toggle, which can be found via the Encompass® tile within the Developers section of Console:

Financial accounts#

Overview

1. Argyle's nCino banking integration allows borrowers to connect their financial accounts during the application process.
2. Asset verification reports are made available within nCino, with the option to import the reports into Encompass® and automatically populate asset data in the 1003 URLA and report identifiers required by GSEs within the Encompass® loan file.

Borrower experience

1. In the Assets & liabilities section, the borrower can search for and connect their financial accounts using their login credentials.

   

2. When the borrower has finished connecting their financial instiutions, they can save and exit to the remainder of their nCino application.

   

Asset reports#

After the borrower connects their financial accounts, Argyle will deliver a Verification of Assets (VOA) report (sample report) to nCino. The report can be accessed within the Services section of your Loans dashboard by selecting View Reports.

Testing profiles

1. Use sample banking credentials to log into either the FinBank Profiles A or FinBank Profiles B financial institutions for testing.
2. For specific scenario testing, the following sample users are also available:

   	Sue Wealthy	River Paycheck	Alex Student
   Username	sue_wealthy	river_paycheck	alex_student
   Password	profile_700	profile_703	profile_704
   Description	Sue is working as a Product Manager with a good steady income, a mortgage, and multiple investment accounts. She has a loan account and leases a car. Sue travels a few times a year. She has typical expenses like groceries, clothes, entertainment, gym membership, car expenses, and she has a pet.	River works in construction. He rents an apartment and has typical expenses like groceries, clothes, entertainment, household and car expenses. He has some savings but no investments, no loans and no credit cards. In some months, River's expenses exceed his income.	Alex is working full-time with a good salary but she is still paying off her student loan. She makes regular monthly repayments, but she still has over $30,000 to pay off. Alex has typical expenses like groceries, clothes, entertainment, household, and car expenses. She has limited savings and she has started an investment account.

Importing to Encompass®

If you use Encompass® as your LOS alongside nCino as your POS:

• Asset reports in nCino can be imported to the Encompass® eFolder.
• Asset data will automatically populate the 1003 URLA section of the Encompass® loan file.
• Argyle will automatically populate the Finicity GSE field within the Encompass® loan file.