Assessment
nCino serves financial institutions as a complete operating system for lending. Commercial and small business loans use preconfigured workflows, with credit approval checked automatically against policy rules set by the bank and with financial statements spread by machine learning, while US mortgage, consumer lending, and deposit account opening run on that same platform. Integration Gateway, which nCino gained by purchasing Sandbox Banking in 2025, links to cores from Jack Henry, FIS, and Fiserv.
Support for compliance is a strong point: CECL models, fair lending analysis, questionnaires for KYC and KYB, timestamps for every activity, and examiner access to reports. Costs are more difficult to pin down. No price list exists, fees track assets in each business line nCino supports, and enterprise-scale projects can extend past twelve months, although most regional and community banks finish implementation in under six.
Scenarios
| Scenario | Suitability | Why |
|---|---|---|
| Commercial and small business lending | Well suited | Preconfigured workflows and automated spreading, with policy-based approvals. |
| Single platform for loans and account opening | Well suited | Onboarding, deposits, and several types of loans share one system. |
| Exam preparation and fair lending | Well suited | Analysis of fair lending, audit trails, and access for examiners are built in. |
| Fast deployment at low cost | Not suited | Implementation takes months, and pricing gets set through sales. |
Built for
Banks and credit unions, all sizes, seeking one platform that covers commercial, consumer, and small business lending, with portfolio analytics and audit trails prepared for exams.
Less suited to
Lenders seeking a fast deployment at low cost, or institutions that would rather not rely on the Salesforce platform.
Who should consider it
Likely to suit
- Community and regional banks updating commercial lending
- Credit unions bringing lending and account opening together
- Large banks needing audit trails at enterprise grade
Unlikely to suit
- Lenders who need the system live within weeks
- Institutions avoiding a platform built on Salesforce
- Buyers needing published prices
Rating by criterion
How the eight criteria that form the rating for nCino are each scored out of 100.
Sector criteria
One platform covers US mortgage, consumer, commercial, and small business origination, plus deposit account opening and commercial onboarding.
Credit approval is automatic against policy rules the bank sets, tax returns and financial statements are spread with machine learning, and AI agents were introduced in November 2025.
Integration Gateway has pre-built connectors for cores from Jack Henry, FIS, and Fiserv, and partners include Snowflake, DocuSign, Alloy, Plaid, and Equifax.
CECL models, fair lending analysis, questionnaires for KYC, CDD and KYB, activity timestamps, examiner access, SOC 1 reporting, SOC 2 Type II reporting, and ISO 27001 certification.
Vendor criteria
Over 2,700 customers as of January 31, 2026, including about 1,500 banks and credit unions, with total revenue at $161.0 million for the quarter that ended July 31, 2026.
Round-the-clock support engineers, published phone lines that include emergency coverage, a structured method for implementation, and customer success management.
Published pricing is absent; subscription fees follow assets of each business line nCino supports.
Contract terms stay private, with negotiation handled by sales.
Against its peers
How nCino compares with other companies we rate in Lending & credit infrastructure.
Fact file
| Customers | Over 2,700 customers as of January 31, 2026, about 1,500 of them depository institutions Source |
|---|---|
| Platform | Partly built on the Salesforce Platform, and data centers operated by Salesforce, AWS, and others Source |
| Pricing model | Fees for the subscription track assets in each supported business line; no price list Source |
| Integrations | Integration Gateway, with connectors into cores at Jack Henry, FIS, and Fiserv Source |
| Recent results | In the quarter that ended July 31, 2026, total revenue was $161.0 million, up 8% Source |
Source pages
- nCino Form 10-K for fiscal 2026: https://www.sec.gov/Archives/edgar/data/1902733/000190273326000022/ncno-20260131.htm (As of September 23, 2026, Archived copy)
- nCino our company: https://www.ncino.com/our-company (As of September 23, 2026)
- nCino platform: https://www.ncino.com/our-platform (As of September 23, 2026)
- nCino commercial lending: https://www.ncino.com/solutions/commercial-lending (As of September 23, 2026)
- nCino small business lending: https://www.ncino.com/solutions/small-business-lending (As of September 23, 2026)
- nCino integrations: https://www.ncino.com/solutions/integrations (As of September 23, 2026)
- nCino portfolio analytics: https://www.ncino.com/solutions/portfolio-analytics (As of September 23, 2026)
- nCino compliance: https://www.ncino.com/compliance (As of September 23, 2026)
- nCino trust: https://www.ncino.com/ncino-trust (As of September 23, 2026)
- nCino customer support: https://www.ncino.com/customer-support (As of September 23, 2026)
- nCino Q2 fiscal 2027 results: https://www.ncino.com/news/ncino-reports-q2-fy27-financial-results (As of September 23, 2026)
- nCino acquires Sandbox Banking: https://www.ncino.com/news/ncino-acquires-sandbox-banking (As of September 23, 2026)
How this rating was made
This profile gives our own assessment of nCino to companies selecting a Lending & credit infrastructure provider. The Fintech Index receives nothing for featuring a firm, for sponsorship, or for advertising, and nCino gave us no payment for the profile.
The rating equals the average of eight criteria, with every criterion running from 0 to 100. Four address buyer needs in this sector, and four address the company together with its commercial terms.
Ratings are our editorial judgment, made from public information: pricing and legal pages, product documentation, compliance disclosures, and filings. This profile had no lab tests, and no accounts were opened. Fact-checking took place on September 23, 2026.