LOS Comparison

nCino vs Baker Hill: Which Multi-Product LOS Fits Your Bank?

nCino is the right pick for institutions committed to Salesforce that need mortgage alongside commercial and consumer lending, while Baker Hill is better for community banks wanting unified multi-product origination with strong SBA workflows at lower total cost.

Both platforms promise unified commercial and consumer lending — here's how they differ for community banks.

At a Glance

nCino

Company: nCino, Inc.
Founded: 2012
Deployment: cloud
Loan Types: Commercial, Consumer, Mortgage, SBA, Small Business, CRE
Best For: Banks and credit unions of all sizes seeking a unified lending platform built on Salesforce

Full nCino review →

Baker Hill NextGen

Company: Baker Hill
Founded: 1983
Deployment: cloud
Loan Types: Commercial, Consumer, SBA, Small Business
Best For: Community banks and credit unions seeking a unified commercial + consumer origination platform

Full Baker Hill NextGen review →

nCino Overview

nCino is the leading cloud banking platform, purpose-built for financial institutions on the Salesforce infrastructure. Founded in 2012 and publicly traded since 2020 (NASDAQ: NCNO), nCino has become the go-to choice for banks and credit unions that want a single, unified lending platform spanning commercial, consumer, and mortgage origination. Its Salesforce foundation means built-in CRM capabilities, strong reporting, and a familiar interface for institutions already in the Salesforce ecosystem. The platform has demonstrably reduced loan origination cycle times — nCino reports that institutions using the platform originate commercial loans 54% faster on average.

Baker Hill NextGen Overview

Baker Hill has been in the lending technology business since 1983, and its NextGen platform represents the company's modern, cloud-native rewrite of their legacy systems. The platform integrates commercial, small business, consumer, and SBA loan origination into a single SaaS environment with built-in risk management and portfolio analytics. Baker Hill's particular strength is the breadth of its origination coverage — it's one of the few platforms that handles commercial, consumer, and SBA workflows in a single system without the Salesforce dependency that nCino carries. For community banks that want a unified lending platform but aren't committed to the Salesforce ecosystem, Baker Hill NextGen is often the first name in the conversation.

Feature-by-Feature Comparison

Feature	nCino	Baker Hill NextGen	Edge
Platform Foundation	Built on Salesforce	Proprietary cloud-native SaaS	Tie
Loan Types	Commercial, consumer, mortgage, SBA	Commercial, consumer, SBA (no mortgage)	nCino
CRM Integration	Native Salesforce CRM	Built-in pipeline management	nCino
SBA Lending	Supported with form automation	Deep SBA specialty — 7(a) and 504 workflows	Baker
Risk Analytics	Good — portfolio analytics	Built-in risk scoring and concentration monitoring	Baker
Implementation Time	6–12 months	4–9 months	Baker
Total Cost	Higher (nCino + Salesforce licenses)	Lower (single vendor, no platform dependency)	Baker
Market Presence	1,800+ FIs — strong brand recognition	Smaller but established since 1983	nCino
Small Business Focus	Good — part of broader platform	42% increase in SB applications for customers	Baker
Mobile Access	Mobile-accessible (Salesforce mobile)	Browser-based, responsive design	Tie

Choose nCino if…

▸ You need mortgage origination in the same platform as commercial/consumer
▸ Your institution is already invested in Salesforce
▸ Brand recognition and a large user community matter to your selection committee
▸ You want access to the Salesforce AppExchange ecosystem
▸ CRM-driven relationship management is a strategic priority

Choose Baker Hill NextGen if…

▸ You want a multi-product LOS without Salesforce dependency or cost
▸ SBA lending (7(a) and 504) is a significant part of your business
▸ Budget is a key consideration — you want unified lending at a lower TCO
▸ Small business lending volume and efficiency are strategic priorities
▸ You're a community bank ($500M–$10B) looking for a right-sized solution

Our Take

For community banks evaluating multi-product lending platforms, the decision often comes down to ecosystem commitment. nCino is the stronger choice if you need mortgage in the same platform or if you're already a Salesforce shop. Baker Hill is compelling when SBA and small business lending are central to your strategy, when Salesforce licensing costs are a concern, or when you simply want a capable unified lending platform without the platform dependency. Baker Hill's reported 42% increase in small business applications and 45% reduction in input errors suggest measurable operational improvements for community banks — metrics worth validating during your evaluation.

Frequently Asked Questions

Is nCino or Baker Hill better for SBA lending?

Baker Hill has deeper SBA lending capabilities, with dedicated automated workflows for 7(a) and 504 loans including form generation. Baker Hill customers report a 42% increase in small business applications and 45% reduction in input errors. nCino supports SBA lending with form automation, but it is not as specialized as Baker Hill's SBA module.

Which is cheaper, nCino or Baker Hill?

Baker Hill is less expensive overall. nCino requires both nCino and Salesforce licenses, which combined can run $100K-$500K+ annually. Baker Hill is a standalone SaaS platform with no third-party platform dependency, and typical community bank implementations run $75K-$300K per year. The Salesforce licensing layer is the main cost difference.

Can I switch from nCino to Baker Hill?

Yes. Baker Hill is core-agnostic and integrates with Fiserv, Jack Henry, and FIS, so it works regardless of your banking core. Implementation typically takes 4-9 months. The main consideration is losing Salesforce CRM integration if your institution uses Salesforce beyond lending. Data migration from nCino is feasible since both are cloud-based SaaS platforms.

Does Baker Hill support mortgage origination like nCino?

No. Baker Hill covers commercial, consumer, and SBA lending but does not include a mortgage origination module. If mortgage is a significant business line, you will need a separate mortgage LOS alongside Baker Hill. nCino supports mortgage origination as part of its unified platform, making it the only option if you require all loan types in one system.

AI-powered underwriting by Aloan works with both nCino and Baker Hill NextGen.

nCino Full Review → Baker Hill NextGen Full Review → nCino Alternatives → Baker Hill NextGen Alternatives → All Comparisons → How to Choose an LOS →