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Two-Way Sync Between nCino Mortgage LO1003 and Encompass

Updated

Description:

The Two-Way Sync feature in nCino Mortgage enables automatic data synchronization between the LO1003 application in nCino and your Encompass LOS (Loan Origination System). This bidirectional sync ensures that loan application data remains consistent across both systems, eliminating the need for duplicate data entry and improving overall data accuracy. When enabled, changes made in either nCino or Encompass automatically flow to the other system, keeping both platforms up to date in real time.

Steps to Resolve:

Understanding How Two-Way Sync Works:

Two-Way Sync creates a bidirectional data flow between nCino Mortgage and Encompass, meaning data updates in either system are automatically reflected in the other.

Data Flow: nCino to Encompass

  1. When you update data in the LO1003 within nCino Mortgage, changes are automatically pushed to Encompass upon save.
  2. Updates occur immediately when you click the "Save" button in the LO1003.
  3. The synchronized data appears in the corresponding fields in Encompass without manual intervention in Encompass.

Data Flow: Encompass to nCino

  1. When data is updated in Encompass (either manually or through automated processes), the LO1003 in nCino automatically receives the updates.
  2. This ensures the nCino application always reflects the latest information from your LOS.
  3. Changes appear in nCino without requiring any action from the loan officer.

Web:

Enabling Two-Way Sync (Administrator Setup):

Important Prerequisites:

  • Two-Way Sync is currently available as a development-only setting
  • Webhooks must be enabled at the company level for Two-Way Sync to function
  • Contact your nCino support representative to enable these features
  1. Log into nCino Mortgage as an Administrator.
  2. Navigate to Company Settings.
  3. Click on LOS in the settings menu.
  4. Select LOS Integrations.
  5. Click on Loan sync settings.
  6. Locate the "Stop loan creation based on date" setting (this controls aspects of the sync behavior).
  7. Configure your sync settings as needed based on your organization's requirements.
  8. Save your settings.

Using Two-Way Sync as a Loan Officer:

Once Two-Way Sync is enabled by your administrator, the feature works automatically in the background:

  1. Editing Loans After Import:
    • Open a loan that has been imported to Encompass in the nCino Mortgage platform
    • Open the "loan application" task, then click "Edit" on the LO1003 from the side menu
    • Make your changes to any fields in the loan application
    • Click "Save"
    • Your changes automatically sync to Encompass
  2. Receiving Updates from Encompass:
    • If a team member or underwriter updates loan data in Encompass, those changes automatically appear in your nCino LO1003
    • Refresh or reopen the loan to see the latest updates
    • No manual action is required on your part
  3. Running Services on Updated Loans:
    • With Two-Way Sync enabled, you can run services like AUS (Automated Underwriting System) on loans after they've been imported to Encompass
    • The updated data will be included in the service runs, providing accurate results based on current information

Controlling Sync Behavior:

Disabling Sync for Specific Loans:

Two-Way Sync includes a field-based control mechanism that allows you to selectively stop synchronization when needed:

  1. Sync Stop Trigger:
    • A specific field in Encompass can be designated as a "sync stop" trigger
    • When this field contains a value, synchronization from nCino LO1003 to Encompass is stopped
    • This prevents nCino updates from overwriting data in Encompass
  2. When to Use This Feature:
    • A team member has made manual changes in Encompass that need to be preserved
    • The loan has reached a certain milestone where further nCino updates could cause issues
    • Underwriting has begun and you want to maintain data integrity in Encompass
    • You need to prevent accidental overwrites of carefully reviewed data
  3. How It Works:
    • Your administrator designates a specific Encompass field as the sync control field
    • To stop sync: Populate this field with any value in Encompass
    • To resume sync: Clear the value from this field in Encompass
    • Important: This only stops the flow from nCino to Encompass; updates made in Encompass will still flow to nCino

Use Case Example:

Imagine a scenario where an underwriter has manually adjusted several fields in Encompass after careful review of documentation. To preserve these changes and prevent a loan officer from accidentally overwriting them by saving updates in nCino, the underwriter can populate the designated "sync stop" field in Encompass. This ensures that the underwriter's changes remain intact, even if the loan officer makes edits in the nCino LO1003.

Benefits of Two-Way Sync:

  1. Reduced Manual Data Entry: Eliminates the need to enter the same information in both systems, saving time and reducing errors.
  2. Improved Data Accuracy: Automatic synchronization ensures both systems always have the most current data, reducing discrepancies.
  3. Enhanced Collaboration: Team members can work in either system, knowing their changes will be reflected everywhere.
  4. Continued Access to Services: Run AUS and other services on loans even after they've been imported to Encompass, with updated data included in the analysis.
  5. Real-Time Updates: Changes appear immediately upon save, keeping everyone on the same page throughout the loan lifecycle.
  6. Flexible Control: The sync stop mechanism provides control over when and where synchronization occurs, protecting critical data when needed.

Important Considerations:

  • Webhooks Required: Your company must have webhooks enabled for Two-Way Sync to function properly.
  • Field Mapping: Ensure fields are properly mapped between nCino and Encompass to guarantee accurate data synchronization.
  • Sync Stop Field: Coordinate with your team on when and how to use the sync stop field to prevent confusion or unintended data locks.
  • Training: Ensure your team understands how Two-Way Sync works to maximize its benefits and avoid potential issues.

Solution:

After enabling Two-Way Sync between nCino Mortgage LO1003 and Encompass, your organization will benefit from seamless, automatic data synchronization across both platforms. Changes made in the LO1003 within nCino will immediately flow to Encompass upon save, while updates made in Encompass will automatically appear in nCino without manual intervention. This bidirectional sync eliminates duplicate data entry, reduces errors, and ensures all team members are working with the most current loan information regardless of which system they're using. The sync stop mechanism provides additional control, allowing you to selectively prevent nCino updates from overwriting critical data in Encompass when necessary. With Two-Way Sync enabled, you can continue to run services like AUS on loans even after they've been imported to Encompass, knowing that the most recent data will be included in the analysis. This feature streamlines your workflow, improves collaboration across teams, and maintains data integrity throughout the entire loan lifecycle.

Frequently Asked Questions:

Q: Can I edit the LO1003 in nCino after a loan has been imported to Encompass? A: Yes, when Two-Way Sync is enabled, you can edit the LO1003 in nCino even after the loan has been imported to Encompass. Your changes will automatically sync to Encompass upon save.

Q: What happens if someone makes changes in both nCino and Encompass at the same time? A: The system uses a "last save wins" approach. Whichever change is saved last will be the final value. To avoid conflicts, coordinate with your team on who is making updates and where.

Q: How do I know if Two-Way Sync is enabled for my organization? A: Contact your nCino administrator or support representative to confirm if Two-Way Sync is enabled. This is currently a development-only feature that requires specific setup.

Q: Can I turn off Two-Way Sync for specific loans? A: Yes, using the sync stop field in Encompass, you can prevent nCino updates from flowing to Encompass for specific loans. However, updates made in Encompass will still flow to nCino.

Q: Do all fields sync between nCino and Encompass? A: Field synchronization depends on your organization's field mapping configuration. Your administrator can control which fields sync between the two systems.

Q: Will Two-Way Sync work if webhooks are not enabled? A: No, webhooks must be enabled at the company level for Two-Way Sync to function properly.

Additional Resources:

  1. LO 1003

 

Published: 04/23/2026                                            Last Update: 04/23/2026

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