nCino

Digital Banking

nCino brings together AI agents, your bankers, and more than 14 years of financial industry context on one purpose-built platform.

A cloud banking OS on Salesforce—commercial, SMB, and retail loan origination, deposit account opening, and portfolio analytics—across 2,700+ FIs.

Founded: 2012
Headquarters: Wilmington, NC, USA
Ownership: Public (Nasdaq: NCNO)
Funding / valuation: ~$3.5B market cap
Serves: Both — Mid-large banks; CUs of scale
Notable customers: Bank of America, Wells Fargo, Truist, 2,700+ FIs globally
Core integrations: All major cores; Salesforce-native
Capabilities: Banking & Mortgage Advisor; Continuous Credit Monitoring; Automated Spreading; Integration Gateway; Portfolio Analytics; Commercial Onboarding

Compliance watch-outs

Loan origination and onboarding workflows surface marketing copy—rate offers and terms—where Reg Z, TRID, and fair lending apply.