Commercial Lending Comparison
nCino vs FIS Commercial Loan Origination: Side-by-Side Comparison
Two commercial lending platforms compared on features, pricing, risk tools, and fit for community banks and commercial lenders.
Our Analysis
FIS Commercial targets mid-to-enterprise banks above $5B already in the FIS ecosystem, while nCino serves a broader range starting at $500M community banks. FIS excels at relationship profitability optimization for complex portfolios with enterprise pricing at $150K-$500K+/year; nCino offers unified multi-product lending with Salesforce CRM at $100K-$500K. Community banks below $5B should not consider FIS Commercial — its complexity and cost suit 25+ person commercial lending teams. nCino provides the more accessible on-ramp for smaller institutions.
At a Glance
nCino
nCino, Inc.
Core-plus-LOS Suite CommercialConsumerMortgageSBASmall BusinessCRE
- HQ
- Wilmington, NC
- Founded
- 2012
- Deployment
- cloud
- Size Fit
- Midsize ($1B-$10B assets), Enterprise ($10B+ assets)
- Pricing
- Typically $150–$400/user/month per module; total annual spend for a community bank ranges from $100K–$500K+
- Users
- 1,800+ financial institutions
- Market Share
- Used by 1,800+ financial institutions globally; strong penetration in U.S. community banking
FIS Commercial Loan Origination
FIS (Fidelity National Information Services)
Full LOS CommercialCREEquipment
- HQ
- Jacksonville, FL
- Founded
- 1968
- Deployment
- cloud
- Size Fit
- Midsize ($1B-$10B assets), Enterprise ($10B+ assets)
- Pricing
- Enterprise pricing; estimated $150K–$500K+/year for mid-large banks
- Users
- Not publicly disclosed; FIS serves thousands of banks globally
- Market Share
- Significant among mid-to-large banks in the commercial lending segment
Feature-by-Feature Comparison
| Feature | nCino | FIS Commercial Loan Origination | Edge |
|---|---|---|---|
| Loan Types | Commercial, Consumer, Mortgage, SBA, Small Business, CRE | Commercial, CRE, Equipment | nCino |
| Deployment | cloud | cloud | Tie |
| Pricing Model | Subscription (per-user, tiered by modules) | Enterprise licensing; typically bundled with broader FIS banking relationship | Tie |
| Pricing Range | Typically $150–$400/user/month per module; total annual spend for a community bank ranges from $100K–$500K+ | Enterprise pricing; estimated $150K–$500K+/year for mid-large banks | Tie |
| Product Category | Core-plus-LOS Suite | Full LOS | Tie |
| Core Integrations | Fiserv, Jack Henry, FIS, Temenos, Finastra | FIS Horizon, FIS IBS, FIS Modern Banking Platform | nCino |
| Best For | Community and regional banks that want a single platform for commercial, consumer, and mortgage lending with strong CRM integration | Mid-to-enterprise banks ($5B+) that need a highly configurable commercial LOS with digital borrower experience, risk analysis, and profitability optimization | Tie |
| Lender Segments | Banks, Credit Unions | Banks | nCino |
| Size Fit | Midsize ($1B-$10B assets), Enterprise ($10B+ assets) | Midsize ($1B-$10B assets), Enterprise ($10B+ assets) | Tie |
Key Differences
- nCino covers Consumer, Mortgage, SBA, Small Business lending while FIS Commercial Loan Origination covers Equipment lending.
- nCino targets Banks, Credit Unions, whereas FIS Commercial Loan Origination focuses on Banks.
- FIS Commercial Loan Origination (founded 1968) has a longer track record, while nCino (founded 2012) brings a more modern architecture.
Choose nCino if...
- ▸ True multi-product platform — one system for all loan types
- ▸ Salesforce ecosystem benefits (AppExchange, reporting, AI)
- ▸ Strong commercial lending workflows with automated spreading
- ▸ Proven 54% reduction in commercial loan cycle times
Choose FIS Commercial Loan Origination if...
- ▸ Highly configurable for complex commercial lending requirements
- ▸ Digital borrower experience for commercial loan applications
- ▸ Risk analysis and profitability tools built into the platform
- ▸ Backed by FIS's global scale and financial stability (NYSE: FIS)
Frequently Asked Questions
Can a $3B community bank use FIS Commercial?
FIS Commercial targets banks above $5B with enterprise pricing. A $3B bank would find nCino, Abrigo, or Baker Hill more appropriately sized and priced for its commercial lending needs.
Which offers better risk analysis tools?
FIS Commercial includes built-in relationship profitability optimization and risk analysis designed specifically for complex enterprise portfolios. nCino provides credit analysis through its Salesforce foundation but relies more heavily on third-party risk tools.
Does either cover consumer and mortgage lending?
nCino covers commercial, consumer, and mortgage on one platform. FIS Commercial handles only commercial, CRE, and equipment lending. Multi-product banks gain more flexibility from nCino.
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Try the LOS FinderAI-powered underwriting by Aloan works with both nCino and FIS Commercial Loan Origination.