TheLOSDirectory

FIS Commercial Loan Origination

Full LOS

FIS Commercial Loan Origination is a highly configurable enterprise commercial lending platform from FIS (NYSE: FIS), designed for mid-to-large banks with sophisticated risk analysis, relationship profitability tools, and deep FIS core integration.

Mid-to-enterprise banks ($5B+) that need a highly configurable commercial LOS with digital borrower experience, risk analysis, and profitability optimization

Banks
Commercial CRE Equipment Cloud

Quick Facts

Company
FIS (Fidelity National Information Services)
Founded
1968
HQ
Jacksonville, FL
Best Fit
Midsize to Enterprise
Pricing
Enterprise licensing; typically bundled with broader FIS banking relationship
Market
Significant among mid-to-large banks in the commercial lending segment
Visit FIS (Fidelity National Information Services) →

Overview

FIS Commercial Loan Origination is a highly configurable commercial lending platform designed to improve customer engagement, enhance risk analysis, and optimize profitability across the commercial credit lifecycle. As part of the FIS Commercial Lending Suite, it provides digital borrower experiences paired with sophisticated risk assessment and relationship profitability tools that mid-to-large banks need for complex commercial, CRE, and equipment lending. The platform benefits from FIS's massive scale and global banking infrastructure, though its primary sweet spot is larger banks that already have a FIS core relationship. For complex commercial shops that need configurability without building custom solutions, FIS Commercial LOS offers enterprise-grade capabilities.

Key Features

  • ▸ Configurable commercial loan origination workflows
  • ▸ Digital borrower experience with online application portal
  • ▸ Risk analysis and credit assessment tools
  • ▸ Relationship profitability optimization and pricing
  • ▸ Multi-product support (commercial, CRE, C&I, equipment, specialized)
  • ▸ Automated workflow routing and multi-tier approval chains
  • ▸ Financial spreading and analysis integration
  • ▸ Document management and covenant tracking
  • ▸ Portfolio monitoring and reporting
  • ▸ Integration with FIS core banking platforms

Pricing

What we know about FIS Commercial Loan Origination pricing:

Enterprise pricing; estimated $150K–$500K+/year for mid-large banks

Like most enterprise LOS vendors, FIS (Fidelity National Information Services) doesn't publish standard pricing. Quotes are customized based on institution size, loan volume, and module selection. We recommend requesting all-in three-year TCO quotes that include implementation, training, and ongoing fees.

Core Banking Integrations

FIS Commercial Loan Origination offers pre-built integrations with the following core banking platforms:

FIS HorizonFIS IBSFIS Modern Banking Platform

Ideal Customer Profile

Asset Size
$5B+ banks
Loan Volume
Substantial commercial lending portfolio
Staff Size
25+ commercial lending staff
Best When
You're a mid-to-large bank with a significant commercial lending operation, you're in the FIS ecosystem, and you need configurable workflows with risk and profitability analysis

Pros & Cons

Strengths

  • ✓ 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)
  • ✓ Strong fit for banks already in the FIS ecosystem

Limitations

  • ✗ Enterprise pricing makes it impractical for community banks
  • ✗ Best value within FIS ecosystem — limited appeal outside it
  • ✗ Innovation pace can lag behind purpose-built commercial LOS vendors
  • ✗ Implementation complexity typical of large enterprise platforms
  • ✗ Less community bank/credit union focus than Abrigo or Baker Hill

User Reviews & Reputation

Review scores and snippets from third-party sources. Ratings reflect aggregate user reviews and may change over time.

Frequently Asked Questions

How much does FIS Commercial Loan Origination cost?
FIS Commercial Loan Origination uses enterprise pricing estimated at $150K–$500K or more per year for mid-to-large banks. Pricing is typically negotiated as part of a broader FIS banking relationship, which limits standalone pricing transparency but can offer savings through bundled contracts.
Does FIS Commercial LOS integrate with non-FIS cores?
FIS Commercial Loan Origination integrates natively with FIS Horizon, FIS IBS, and the FIS Modern Banking Platform. While it can potentially work with other cores, its greatest value comes within the FIS ecosystem where native integration eliminates middleware complexity.
Is FIS Commercial LOS good for community banks?
No, FIS Commercial Loan Origination is primarily designed for mid-to-large banks with $5 billion or more in assets and substantial commercial lending portfolios. Community banks under $5 billion typically find better fit and value with platforms like Abrigo, Baker Hill NextGen, or nCino.
Does FIS Commercial LOS include relationship profitability tools?
Yes. FIS Commercial Loan Origination includes relationship profitability optimization and pricing tools that help banks assess the total value of commercial customer relationships. This capability helps commercial lending teams make pricing decisions that account for deposits, fees, and other products beyond just the loan itself.

Last updated: April 4, 2026

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