# One End-to-End Platform for Every Loan Win more business and deepen every relationship, across every kind of lending. nCino runs commercial, consumer, mortgage, small business, and indirect lending on one platform for banks and credit unions of all sizes, with AI built in at every stage. Today’s financial institutions must deliver smart, scalable solutions to simplify operations, ensure compliance, and exceed customer expectations. --- ## Loan Origination Now Happens Across Disconnected Systems At many institutions, lending runs across systems that don't talk to each other. Spreading in Excel, credit memos in Word, and decisioning, documents, and fraud checks in tools outside the LOS. Decisions and updates sit in emails. At every stage, teams re-key the same data by hand and chase approvals down one message at a time. --- ## Lend Faster and Smarter Across Every Loan Type nCino unifies lending across every loan type, with built-in AI grounded in 14+ years of banking context. Your teams handle more volume as you grow, backed by benchmarking and analytics across the entire lifecycle.    Each line of business runs on a purpose-built product, sharing the same data, risk monitoring, and portfolio view, with credit policy configured by product. See and manage the whole relationship and portfolio as one, so you can decide faster, keep credit decisions consistent, and catch risk proactively. ### Commercial Lending Run the whole credit lifecycle in one place, from origination through years of portfolio management. Embedded AI and automation take on the routine and surface risk early, so your lenders focus on relationships and credit decisions that grow the portfolio. [Explore Commercial Lending](/solutions/commercial-lending) ### Consumer Lending Give borrowers the fast, digital experience they expect without losing the relationship. Qualified loans can be approved in seconds, while a 360-degree view and relationship pricing help your team turn applicants into lasting customers.  [Explore Consumer Lending](/solutions/consumer-lending) ### Small Business Lending Meet small businesses with a process built for them. Automate the simple loans and scale to the complex ones, all on the platform that powers your commercial lending, with built-in compliance. [Explore Business Lending](/solutions/small-business-lending) ### Mortgage An end-to-end, AI-powered mortgage experience built for your market and channels — borrower, loan officer or broker. Automate processing, reduce errors, and give borrowers the fast, digital-first journey they expect from application through completion. [Explore Mortgage](/solutions/mortgage) ### Indirect Lending Win more auto loans through your dealer network. Connect via DealerTrack, RouteOne, and AppOne to return decisions in real time and compete on speed, while keeping credit quality and compliance consistent.  [Explore Indirect Lending](/solutions/indirect-lending) --- ## One Platform, One Intelligence Layer Today, much of the lending workload lives outside the system of record. Bring that work onto the nCino Platform and every step shares the same data, the same audit trail, and **the same banking intelligence layer** — from the first application to the final review. When work and data unify, so does the intelligence acting on them: spreading, decisioning, risk monitoring, and analytics** all run on one shared foundation across the lifecycle.** - Spreading runs automatically - Data flows from application through funding without re-entry - Portfolio health is visible in one view across loans, and credit risk is monitored continuously - Lending teams spend time on judgment work, not reconciliation - Audit logs are ready to hand over on demand --- ## Start Where Your Lending Portfolio Is The nCino Platform scales with you, wherever your institution sits today. You can start with the loan types that matter most and add more over time. ### Enterprise Banks Run commercial, corporate, and CRE lending on one platform. Shift from reactive risk to continuous portfolio monitoring, and consolidate your systems to scale across every lending line. [See Enterprise Banks](/enterprise-banks) ### Community & Regional Banks Match digital speed and grow the book without losing the relationship or adding complexity. Replace legacy systems and cut cycle times across commercial, consumer, and small business lending. [See Community & Regional Banks ](/community-banks) ### Credit Unions Deepen member engagement and adapt quickly to market shifts while keeping service personal, with a one-stop experience that streamlines lending and keeps you compliant as regulations evolve. [See Credit Unions ](/credit-unions) ### Independent Mortgage Banks Respond to market changes fast with a mobile-native Point of Sale. Accelerate pre-approval and time to close with built-in AI, and reduce audit risk with built-in compliance. [See Independent Mortgage Banks](/independent-mortgage-banks) --- ## nCino Customer Outcomes - **133% increase in YoY commercial loan growth** - **93% reduction in average consumer loan cycle time** - **288% increase in completed online applications \(18% → 70%\)** --- ## Real Institutions, Real Results ### U.S. Bank The fifth-largest U.S. bank runs small business and commercial lending on nCino. As Senior Credit Officer Marc Paper puts it, "Speed to market helps us stand out — even a couple of days makes a huge difference to clients." [Read U.S. Bank’s story ](https://www.ncino.com/blog/us-bank-case-study) ### VeraBank Five disconnected systems — plus the Excel and email holding them together — became one structured lending workflow on nCino. VeraBank now turns loans faster, with built-in pipeline reporting. [Read VeraBank’s story ](https://www.ncino.com/blog/verabank-achieves-faster-time-value-ncino) ### Camden Bank Across a $400M origination division, Camden Bank rolled out nCino Mortgage and eClose. Loan-cycle times fell by 10 days, 90% of documents arrived by end of day one, and hybrid eClose cut closing task time by 80%. [Read Camden Bank’s story](https://www.ncino.com/news/camden-national-bank-adopts-ncino-mortgage-solutions) --- ## Built to Deploy, Connect, and Comply ### Implementation More than 2,700 customers use the nCino Platform, and many start with just one product. Start where the value is clearest and expand with confidence across your lending lines and beyond. ### Integration Connect to the systems you already run. nCino integrates with leading cores, mortgage systems, and dealer platforms, with Integration Gateway for anything custom. [Explore More](/solutions/integrations) ### Regulatory Stay ready for every exam. nCino lending covers CECL, HMDA, TRID, fair lending, and BSA/AML, with audit trails maintained across the loan lifecycle so your examination record is always at hand. --- [View sitemap](https://www.ncino.com/api/markdown/sitemap)