nCino
Community and regional banks that want a single platform for commercial, consumer, and mortgage lending with strong CRM integration
Quick Facts
- Company
- nCino, Inc.
- Founded
- 2012
- HQ
- Wilmington, NC
- Pricing
- Subscription (per-user, tiered by modules)
- Market
- Used by 1,800+ financial institutions globally; strong penetration in U.S. community banking
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.
Core Banking Integrations
nCino offers pre-built integrations with the following core banking platforms:
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
4.3/5
G2
4.1/5
capterra
4.2/5 (Peer Insights)
Gartner
Review scores from third-party sources. Ratings reflect aggregate user reviews and may change over time.
Looking for AI-powered underwriting that works alongside nCino? Aloan integrates with any LOS.