Case Study: Wright-Patt Credit Union achieves 156% YOY commercial loan growth with nCino and integrated e-signatures

How Wright-Patt Credit Union Grew its Commercial Loan Portfolio 156% YOY, Using nCino with Integrated E-Signatures

Wright-Patt Credit Union, a top-50 U.S. credit union headquartered in Beavercreek, Ohio with $4B in assets and 356,000 members, wanted to expand its commercial lending into the mid-market but was constrained by a 15-person team and paper-based processes that limited bandwidth and growth.

By deploying the cloud-based nCino Banking Operating System and integrating eSignLive for end-to-end e-signatures, WPCU digitized loan workflows, tripled commercial loan volume from ~30 to 100 loans per month, raised lending capacity per borrower from $5M to $15M, saved lenders roughly 50 minutes per closing and halved document prep time—delivering strong member satisfaction, improved compliance audit trails, and a reported 156% YOY growth in the commercial loan portfolio.

Wright Patt Credit Union

Benjamin Miller

Commercial Portfolio Analyst