Case Study: Northwest Community Bank achieves a 10-day reduction in app-to-close time with nCino Mortgage

Northwest Community Bank Improves Processes Shaves App-to-Close Time By 10 Days with nCino Mortgage

Northwest Community Bank, a $1.1B Connecticut community bank founded in 1860 with 14 branches, faced a fragmented mortgage experience: borrowers repeatedly re-entered information between the point-of-sale (POS) and loan origination system (LOS), struggled to upload documents, and experienced slow, paper-heavy closings. The bank wanted a consumer-grade, technology-enabled mortgage process that would simplify applications and speed closings.

Northwest implemented nCino Mortgage — a mobile POS and LOS-integrated platform with document imaging, eSign, hybrid eClosings, and tools for loan officers to manage pipelines and communications. Launched in mid-2022, the solution immediately improved customer and staff experience, enabled photo uploads and hybrid eClosings, boosted engagement and repeat business, and reduced time from conditional to final approval by 10 days.

Northwest Community Bank