nCino Mortgage vs DigiFi

What the rubric says

nCino Mortgage and DigiFi are both scored in Loan Origination Systems. nCino Mortgage carries an overall of 4.1, DigiFi an overall of 2.9. The widest gap between them is Production impact, at 1.5 of a point. That axis measures whether the tool moves volume, pull-through or cycle time. nCino Mortgage takes it, 4.3 to 2.8.

Where the five axes separate

On Production impact the record favours nCino Mortgage, 4.3 against 2.8. On Integrations and ecosystem the record favours nCino Mortgage, 3.9 against 2.6. On Functionality and depth the record favours nCino Mortgage, 4.1 against 2.8. On Adoption and support the record favours nCino Mortgage, 4.4 against 3.3. On Return on spend the record favours nCino Mortgage, 3.6 against 3.3.

Pricing posture

nCino Mortgage does not publish pricing. Its listed model is quote only, typically negotiated across the ncino platform. DigiFi publishes pricing. Its listed model is published flat platform fee plus usage, $3,995 per month base. One of the two can be costed before a sales call, the other cannot.

Deployment and who each one targets

Deployment for nCino Mortgage: Cloud. Deployment for DigiFi: Cloud, with a private hosting option. Segment focus for nCino Mortgage: Banks, credit unions and independent mortgage banks, with the point of sale as the usual. Segment focus for DigiFi: Banks and lenders originating consumer, auto, small business or home equity products, not first lien residential. The two entries name different buyers.

What each record credits

nCino Mortgage: Unmatched fit for an institution that already runs nCino for commercial or consumer lending. nCino Mortgage: Mobile-first mortgage heritage from SimpleNexus that most bank platforms cannot match. nCino Mortgage: Modular breadth well beyond origination, including eClosing, business intelligence, and LO incentive compensation management. DigiFi: Published pricing: $3,995 base, $95 per user, $0.25 per application, $95 service hour. DigiFi: No feature gating between tiers, so small lenders get the full capability set. DigiFi: No-code configuration plus developer tooling keeps product changes out of vendor request queues.

What each record holds against them

nCino Mortgage: The US mortgage stack is POS-led rather than a deep traditional LOS. nCino Mortgage: Post-acquisition sentiment about the SimpleNexus product is a recurring theme in reviews, with customers describing lost. nCino Mortgage: Mortgage competes for roadmap attention inside a company whose center of gravity is banking software. DigiFi: Not a residential mortgage LOS; no published TRID disclosure or agency delivery evidence. DigiFi: No integration partners named; bureaus and core systems appear only generically. DigiFi: Private hosting doubles the base cost, another $3,995 monthly, which regulated institutions often need.

Which one fits which shop

Best fit for nCino Mortgage: Banks and credit unions already on nCino, or institutions wanting mortgage inside a single enterprise. Best fit for DigiFi: A lender standing up a new lending or account opening product quickly without a mortgage specific.

What each entry concludes

nCino Mortgage: Bank operating system with mortgage capability, serving over 2,700 financial institutions. nCino Mortgage: In the US the mortgage offering runs largely through the Mortgage Suite acquired from SimpleNexus. DigiFi: DigiFi is a general purpose origination and account opening platform, not a residential mortgage LOS. DigiFi: It covers personal loans, credit cards, auto, home equity and small business lending, plus deposit account opening.

The short answer

nCino Mortgage finishes ahead on the published rubric, 4.1 to 2.9. The margin comes mostly from Production impact. Same rubric, same weights, no sponsorships.