Case Study: SMBC Trust Bank achieves 30% improved mortgage efficiency and rapid digitalization with nCino’s Mortgage Solution

A One-Stop Mortgage Experience with nCino’s Mortgage Solution

SMBC Trust Bank, a Chiyoda-based lender serving high net worth and many foreign customers, faced mounting strain as its mortgage business grew. Paper-based processes and limited systemization were slowing reviews, increasing errors, and creating extra work for bilingual branch staff, prompting a need for rapid digitalization that could be localized to Japanese practices.

The bank deployed nCino’s end-to-end Mortgage Solution on Salesforce — including an online application portal and Japanese/English localization — and went live eight months after project start. The new platform cut time from application to review/approval by about 30%, improved labor efficiency by roughly 30%, absorbed a ~30% business increase without added headcount, reduced clerical errors, and opened new sales channels while supporting further digitization plans.

SMBC Trust Bank

Kazuhiro Iwabuchi

General Manager, System Management Department