# Wolters Kluwer ComplianceOne vs Baker Hill UN/FY (formerly NextGen): Side-by-Side Comparison

> Wolters Kluwer ComplianceOne vs Baker Hill UN/FY (formerly NextGen) comparison for 2026. Features, pricing, deployment, and which platform fits your institution best.

Source: https://thelosdirectory.com/compare/auto/complianceone-vs-baker-hill

---

Commercial Lending Comparison

Two commercial lending platforms compared on features, pricing, risk tools, and fit for community banks and commercial lenders.

## Our Analysis

Baker Hill NextGen is a full multi-product LOS with commercial, consumer, and SBA origination, credit analysis, and portfolio analytics — no Salesforce required. ComplianceOne is a compliance-first document generation platform that many institutions use as their primary system but lacks pricing engines, automated underwriting, and secondary market tools. Banks needing comprehensive origination workflows choose Baker Hill at $75K-$300K/year. Banks where regulatory document accuracy is the overriding priority — willing to augment with other tools — choose ComplianceOne at $50K-$200K/year.

## At a Glance

### Wolters Kluwer ComplianceOne

Wolters Kluwer

Core-plus-LOS Suite ConsumerCommercialCREAgricultureConstructionHome EquityHELOC

- **HQ**: Minneapolis, MN
- **Founded**: 1987
- **Deployment**: cloud, self-hosted
- **Size Fit**: Small (under $1B assets), Midsize ($1B-$10B assets)
- **Pricing**: Custom pricing; typically bundled with broader Wolters Kluwer compliance relationship; estimated $50K–$200K/year
- **Users**: ~2,000 community banks and credit unions
- **Market Share**: Close to 2,000 community banks and credit unions; powered by Wolters Kluwer's Expere compliance engine used by 60% of the top 30 U.S. banks

[Full Wolters Kluwer ComplianceOne review](https://thelosdirectory.com/platforms/complianceone)

### Baker Hill UN/FY (formerly NextGen)

Baker Hill

Full LOS CommercialConsumerSBASmall Business

- **HQ**: Carmel, IN
- **Founded**: 1984
- **Deployment**: cloud
- **Size Fit**: Small (under $1B assets), Midsize ($1B-$10B assets)
- **Pricing**: Custom pricing; typical community bank implementations run $75K–$300K/year
- **Users**: Hundreds of community banks and credit unions
- **Market Share**: Established presence in community banking; precise numbers not publicly disclosed

[Full Baker Hill UN/FY (formerly NextGen) review](https://thelosdirectory.com/platforms/baker-hill)

## Feature-by-Feature Comparison

| Feature | Wolters Kluwer ComplianceOne | Baker Hill UN/FY (formerly NextGen) | Edge |
| --- | --- | --- | --- |
| Loan Types | Consumer, Commercial, CRE, Agriculture, Construction, Home Equity, HELOC | Commercial, Consumer, SBA, Small Business | Wolters |
| Deployment | cloud, self-hosted | cloud | Wolters |
| Pricing Model | Modular subscription based on institution size and modules selected | SaaS subscription based on asset size and module selection | Tie |
| Pricing Range | Custom pricing; typically bundled with broader Wolters Kluwer compliance relationship; estimated $50K–$200K/year | Custom pricing; typical community bank implementations run $75K–$300K/year | Tie |
| Product Category | Core-plus-LOS Suite | Full LOS | Tie |
| Core Integrations | Fiserv, Jack Henry, FIS | Fiserv, Jack Henry, FIS | Tie |
| Best For | Community banks and credit unions that need a compliance-first lending platform with automated document generation, multi-product loan processing, and deep core banking integration | Community banks and credit unions ($500M–$10B) that want a single SaaS platform spanning commercial, consumer, and SBA lending with built-in analytics | Tie |
| Lender Segments | Banks, Credit Unions | Banks, Credit Unions | Tie |
| Size Fit | Small (under $1B assets), Midsize ($1B-$10B assets) | Small (under $1B assets), Midsize ($1B-$10B assets) | Tie |

## Key Differences

- Wolters Kluwer ComplianceOne offers cloud and self-hosted deployment, while Baker Hill UN/FY (formerly NextGen) offers cloud deployment.
- Wolters Kluwer ComplianceOne covers CRE, Agriculture, Construction, Home Equity, HELOC lending while Baker Hill UN/FY (formerly NextGen) covers SBA, Small Business lending.

### Choose Wolters Kluwer ComplianceOne if...

- Industry-leading compliance document generation — powered by the same engine used by 60% of top 30 U.S. banks
- Broadest lending product coverage for compliance — consumer, commercial, CRE, ag, construction, home equity in one system
- ~2,000 institution install base demonstrates proven reliability in community banking
- Backed by Wolters Kluwer's scale, regulatory expertise, and continuous compliance content updates

### Choose Baker Hill UN/FY (formerly NextGen) if...

- True multi-product platform without Salesforce dependency
- Baker Hill says more than 20,000 bankers use its loan origination products (as of September 2026)
- Baker Hill says UN/FY can reduce origination costs by up to 60 percent
- Decades of community banking domain expertise

## Deep Dive

[Wolters Kluwer ComplianceOne Full Profile](https://thelosdirectory.com/platforms/complianceone) [Baker Hill UN/FY (formerly NextGen) Full Profile](https://thelosdirectory.com/platforms/baker-hill)

## Frequently Asked Questions

Is ComplianceOne a full LOS replacement for Baker Hill?

Not exactly. ComplianceOne is a compliance-first document generation platform that lacks Baker Hill's pricing engines, automated underwriting, and full origination workflow management. Banks seeking a comprehensive LOS should choose Baker Hill.

Which handles SBA lending better?

Baker Hill has dedicated SBA lending workflows with automated 7(a) and 504 form generation built into its origination system. ComplianceOne generates compliant SBA documents through its Expere engine but lacks SBA-specific origination workflow management.

How do costs compare?

ComplianceOne runs approximately $50K-$200K/year, often bundled with broader Wolters Kluwer compliance products for favorable pricing. Baker Hill NextGen costs $75K-$300K/year. Baker Hill is pricier but delivers a complete multi-product LOS.

### Not sure which platform is right?

Answer a few questions and get a personalized recommendation.

[Try the LOS Finder](https://thelosdirectory.com/tools/los-finder)

### Related

[Wolters Kluwer ComplianceOne Full Review](https://thelosdirectory.com/platforms/complianceone) [Baker Hill UN/FY (formerly NextGen) Full Review](https://thelosdirectory.com/platforms/baker-hill) [Wolters Kluwer ComplianceOne Alternatives](https://thelosdirectory.com/alternatives/complianceone) [Baker Hill UN/FY (formerly NextGen) Alternatives](https://thelosdirectory.com/alternatives/baker-hill) [All Comparisons](https://thelosdirectory.com/compare) [How to Choose an LOS](https://thelosdirectory.com/guides/how-to-choose)

---

The LOS Directory — independent reviews and comparisons of loan origination systems.

- Site index: https://thelosdirectory.com/llms.txt
- Full text of every page: https://thelosdirectory.com/llms-full.txt
- Sitemap: https://thelosdirectory.com/sitemap-index.xml
- Agent instructions: https://thelosdirectory.com/AGENTS.md