nCino Inc. (NASDAQ: NCNO) announced the launch of nCino Doc VOI, a new feature within its mortgage solution designed to automate document-based income verification for banks, credit unions and independent mortgage lenders.

The tool, powered by Argyle, replaces manual review of borrower-provided paystubs and W-2 forms with automated data extraction and analysis. Traditional income verification methods use direct connections to payroll and bank account data, but when these connections are unavailable, lenders typically resort to time-consuming manual document review.

nCino Doc VOI integrates with Freddie Mac AIM Check API, allowing lenders to submit document-derived income data for automated assessment early in the underwriting process, before a full Loan Product Advisor submission. The document-based verification can also support assessment of representation and warranty relief eligibility related to income calculations when submitted to LPA.

"Income verification remains one of the most operationally intensive steps in mortgage lending," said Casey Williams, general manager of Global Mortgage at nCino. "nCino Doc VOI lets lenders extend automation across more of their pipeline, qualify borrowers earlier and reduce manual touchpoints without introducing new systems or added complexity."

John Hardesty, senior vice president of revenue at Argyle, said the partnership allows lenders to "extend automation across a much larger share of their pipeline, qualify more borrowers and significantly reduce the manual reviews that slow down operations."

nCino Mortgage customers can activate the feature directly within the existing nCino Mortgage Solution without needing to contract separately with Argyle. The company serves over 2,700 customers worldwide, including community banks, credit unions, independent mortgage banks and large financial institutions.