Provider profile · 2026 edition
nCino review 2026: scores, features and alternatives.
A cloud banking platform for origination, underwriting, pricing and portfolio monitoring across consumer, commercial, small business and mortgage lending.
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A cloud banking platform for origination, underwriting, pricing and portfolio monitoring across consumer, commercial, small business and mortgage lending.
nCino scores 2.4 out of 5 (48 out of 100) in the Buckingham Intelligence Lending Platforms Index 2026 and ranks 12 of 13. It is strongest for banks wanting origination with the strongest audit record, with 5 out of 5 for security standing. Not published or not stated on the pages read: hosting, lifecycle coverage and published pricing.
Scores from the Lending Platforms Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For banks and credit unions | 55 | 10 of 13 |
| For non-bank and fintech lenders | 47 | 12 of 13 |
| For small and specialist lenders | 42 | 11 of 13 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
Banks wanting origination with the strongest audit record.
What nCino publishes on its own pages, read on 26 October 2026.
A cloud banking platform for origination, underwriting, pricing and portfolio monitoring across consumer, commercial, small business and mortgage lending. It publishes SOC 1 and SOC 2 Type II reports, ISO 27001 and CSA STAR. It publishes no servicing module, prices, hosting provider or public API on the pages read.
| Fact | What the provider publishes |
|---|---|
| Lifecycle | "origination, underwriting, pricing, compliance, and portfolio monitoring" for consumer, commercial, small business and mortgage lending, plus deposit account opening. Servicing not mentioned. |
| Integration | Integration Gateway links core systems, credit bureaus and fintech platforms with pre-built connectors; APIs not mentioned on the pages read. |
| Security | "SOC 1 Type II and SOC 2 Type II compliance reporting"; "certified to ISO/IEC 27001:2013"; Cloud Security Alliance STAR; PCI DSS for funding applications. |
| Hosting | Refers to "our cloud services"; no hosting provider or region named. |
| Clients | Testimonial from First Horizon's Chairman, President and CEO. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: ncino.com/our-platform, ncino.com/ncino-trust.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Lending Platforms Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| HES FinTech | 3.6 | 1 of 13 | Lenders wanting end-to-end software they can host themselves |
| Mambu | 3.5 | 2 of 13 | Banks and lenders wanting cloud choice and a wide product range |
| Lendsqr | 3.4 | 3 of 13 | Small lenders wanting published prices and a same-day start |
| TIMVERO | 3.2 | 4 of 13 | Lenders that must keep borrower data in their own cloud |
| TurnKey Lender | 3.2 | 5 of 13 | Lenders wanting full lifecycle software with strong security credentials |
| Bryt Software | 3.1 | 6 of 13 | Small and private lenders wanting low published prices |
| Lentra | 3.1 | 7 of 13 | Banks in India and Asia wanting origination and servicing with strong certificates |
| LoanPro | 3.1 | 8 of 13 | Fintech and consumer lenders running many credit products |
| Peach Finance | 2.8 | 9 of 13 | Fintech lenders adding cards and buy now pay later to instalment loans |
| M2P Core Lending Suite (Finflux) | 2.6 | 10 of 13 | Lenders in India and Asia wanting one stack with a fast launch |
| MeridianLink | 2.5 | 11 of 13 | US banks and credit unions wanting consumer and mortgage origination |
| Canopy Servicing | 1.9 | 13 of 13 | Business lenders running revolving and hybrid credit products |
Side by side on every criterion, fact and award.
Head-to-head comparisons cover pairs within the top five of each ranking. nCino is compared with its alternatives in the table above.
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