# nCino vs FIS Commercial Loan Origination: Side-by-Side Comparison

> nCino vs FIS Commercial Loan Origination comparison for 2026. Features, pricing, deployment, and which platform fits your institution best.

Source: https://thelosdirectory.com/compare/auto/ncino-vs-fis-commercial

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Commercial Lending 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**: 2011
- **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**: 2,700+ customers, about 1,500 of them depository institutions (nCino FY2026 10-K)
- **Market Share**: Used by 2,700+ customers, about 1,500 of them depository institutions, globally; strong penetration in U.S. community banking
- **G2 Rating**: 4.2/5 (14 reviews)

[Full nCino review](https://thelosdirectory.com/platforms/ncino)

### 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

[Full FIS Commercial Loan Origination review](https://thelosdirectory.com/platforms/fis-commercial)

## 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 2011) 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)

## Deep Dive

[nCino Full Profile](https://thelosdirectory.com/platforms/ncino) [FIS Commercial Loan Origination Full Profile](https://thelosdirectory.com/platforms/fis-commercial)

## 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.

### Not sure which platform is right?

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

### Related

[nCino Full Review](https://thelosdirectory.com/platforms/ncino) [FIS Commercial Loan Origination Full Review](https://thelosdirectory.com/platforms/fis-commercial) [nCino Alternatives](https://thelosdirectory.com/alternatives/ncino) [FIS Commercial Loan Origination Alternatives](https://thelosdirectory.com/alternatives/fis-commercial) [All Comparisons](https://thelosdirectory.com/compare) [How to Choose an LOS](https://thelosdirectory.com/guides/how-to-choose)

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