nCino Mortgage POS vs Tidalwave

What the rubric says

nCino Mortgage POS and Tidalwave are both scored in Point of Sale. nCino Mortgage POS carries an overall of 4.7, Tidalwave an overall of 3.4. The widest gap between them is Adoption and support, at 1.6 of a point. That axis measures whether the team adopts it and gets unstuck. nCino Mortgage POS takes it, 4.8 to 3.2.

Where the five axes separate

On Adoption and support the record favours nCino Mortgage POS, 4.8 against 3.2. On Production impact the record favours nCino Mortgage POS, 4.8 against 3.5. On Integrations and ecosystem the record favours nCino Mortgage POS, 4.6 against 3.4. On Functionality and depth the record favours nCino Mortgage POS, 4.8 against 3.7. On Return on spend the record favours nCino Mortgage POS, 3.9 against 3.1.

Names, because the URL and the brand differ

nCino Mortgage POS was formerly SimpleNexus. Mobile-first origination platform built as SimpleNexus, acquired by nCino and rebranded to nCino Mortgage Suite in October 2023.

Pricing posture

nCino Mortgage POS does not publish pricing. Its listed model is quote only, enterprise contract. Tidalwave does not publish pricing. Its listed model is quote only.

Deployment and who each one targets

Deployment for nCino Mortgage POS: Cloud, mobile-native borrower and loan officer apps. Deployment for Tidalwave: Cloud, SOC 2 Type II, direct LOS APIs, white-labeled borrower and loan officer apps. Segment focus for nCino Mortgage POS: Banks and credit unions on nCino, plus IMBs inherited from the SimpleNexus base. Segment focus for Tidalwave: Retail and wholesale lenders replacing manual intake and underwriting prep with AI agents. The two entries name different buyers.

What each record credits

nCino Mortgage POS: Genuinely mobile-first rather than mobile-adapted. nCino Mortgage POS: Broadest enterprise footprint here, sitting on a platform nCino says serves over 2,700 financial institutions. nCino Mortgage POS: Modular scope goes well past intake. Tidalwave: The AI does real work rather than suggesting actions: document processing, error detection, asset analysis. Tidalwave: Catching missing or incorrect documents at intake is where the highest-value automation in this category sits. Tidalwave: Newer architecture without the legacy constraints carried by platforms built a decade ago.

What each record holds against them

nCino Mortgage POS: Post-acquisition sentiment is a real and recurring theme. nCino Mortgage POS: Two brand identities are still in circulation three years after the rebrand. nCino Mortgage POS: Mortgage sits inside a company whose center of gravity is banking software. Tidalwave: Young platform with a short track record and no meaningful independent review data. Tidalwave: No published pricing. Tidalwave: Unproven at enterprise scale.

Which one fits which shop

Best fit for nCino Mortgage POS: Enterprise and large retail lenders that want a mobile-first borrower and LO experience, eClosing. management from one vendor, layered over an existing LOS. Best fit for Tidalwave: Lenders willing to be early adopters in exchange for genuine document automation at intake.

What each entry concludes

nCino Mortgage POS: Mobile-first origination platform built as SimpleNexus, acquired by nCino and rebranded to nCino Mortgage Suite in October. nCino Mortgage POS: Sold as modules covering engagement, origination, closing, business intelligence, and incentive compensation. Tidalwave: AI-first point of sale built around an assistant that walks the borrower through the application. Tidalwave: It processes documents as they arrive and flags missing or incorrect items.

The short answer

nCino Mortgage POS finishes ahead on the published rubric, 4.7 to 3.4. The margin comes mostly from Adoption and support. Same rubric, same weights, no sponsorships.