TheLOSDirectory

nCino

Core-plus-LOS Suite

nCino is the leading cloud banking platform built on Salesforce, used by over 1,800 financial institutions globally, unifying commercial, consumer, and mortgage lending with a proven 54% reduction in commercial loan cycle times.

Community and regional banks that want a single platform for commercial, consumer, and mortgage lending with strong CRM integration

BanksCredit Unions
Commercial Consumer Mortgage SBA Small Business CRE Cloud

Quick Facts

Company
nCino, Inc.
Founded
2012
HQ
Wilmington, NC
Best Fit
Midsize to Enterprise
Pricing
Subscription (per-user, tiered by modules)
Market
Used by 1,800+ financial institutions globally; strong penetration in U.S. community banking
Visit nCino, Inc. →

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.

Key Features

  • ▸ Unified platform for commercial, consumer, and mortgage lending
  • ▸ Built on Salesforce — native CRM and reporting
  • ▸ Automated credit memo generation and spreading
  • ▸ Deposit account opening
  • ▸ Portfolio analytics and covenant tracking
  • ▸ Configurable workflow automation and approval routing
  • ▸ 360-degree customer view across all lending relationships
  • ▸ Document management with OCR capabilities
  • ▸ SBA lending module with automated form generation
  • ▸ Mobile-accessible interface

Pricing

What we know about nCino pricing:

Typically $150–$400/user/month per module; total annual spend for a community bank ranges from $100K–$500K+

Like most enterprise LOS vendors, nCino, Inc. 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.

Key Integrations

Publicly documented integrations or connectivity options for nCino include the following:

FiservJack HenryFISTemenosFinastra

Ideal Customer Profile

Asset Size
$500M–$50B
Loan Volume
Multi-product lender with commercial focus
Staff Size
20+ lending staff across products
Best When
You want one platform for commercial, consumer, and mortgage — and you're comfortable with (or already using) Salesforce

Pros & Cons

Strengths

  • ✓ 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
  • ✓ Actively developed with frequent feature releases

Limitations

  • ✗ Salesforce dependency — adds licensing complexity and cost
  • ✗ Implementation can be lengthy (6-12 months for full deployment)
  • ✗ Borrower-facing portal feels secondary to the bank-staff interface
  • ✗ Can be expensive when stacking Salesforce + nCino licenses
  • ✗ Steep learning curve for staff not familiar with Salesforce

User Reviews & Reputation

G2
4.2 (14)
View reviews →

What Users Love

  • ✓

    "Integration with Salesforce provides a specific packaged solution with necessary support. Features like forms manager, docman, loan page, and spreads have significantly impacted business operations."

    Director of Product Management

  • ✓

    "Built-in loan origination capability streamlined 7-step process. Everything is cloud-based, customers can see status anywhere, anytime."

    Program Manager

Common Complaints

  • ✗

    "Frustrated with limitations regarding customer control. Customer portal is underutilized. Out-of-the-box solution has a clunky user interface. Initial setup took 18 months to become operational."

    Director of Product Management

  • ✗

    "Sometimes page loading time takes more time."

    Senior Systems Engineer

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

Frequently Asked Questions

How much does nCino cost?
nCino typically costs $150–$400 per user per month per module, with total annual spend for a community bank ranging from $100K–$500K or more. Keep in mind that Salesforce licensing fees are additional, since nCino runs on the Salesforce platform. The combined nCino plus Salesforce cost is a key budgeting consideration.
Does nCino integrate with Fiserv and Jack Henry?
Yes. nCino integrates with all major core banking platforms including Fiserv, Jack Henry, FIS, Temenos, and Finastra. Its Salesforce foundation also enables access to the AppExchange marketplace for additional integrations with CRM, analytics, and lending service providers.
Is nCino good for community banks?
Yes, nCino is particularly strong for community and regional banks in the $500M–$50B range that want a single unified platform for commercial, consumer, and mortgage lending. Its Salesforce-based CRM integration and multi-product capabilities make it ideal for banks that value a 360-degree customer view across all lending relationships.
Can nCino work without Salesforce?
No. nCino is built natively on the Salesforce platform and requires Salesforce licensing to operate. This means institutions must maintain both nCino and Salesforce subscriptions, adding licensing complexity and cost. However, institutions already using Salesforce for CRM benefit from a seamless integration experience.

Last updated: April 4, 2026

Looking for AI-powered underwriting that works alongside nCino? Aloan integrates with any LOS.