Case Study: Wright‑Patt Credit Union triples commercial loan volume (156% growth) with OneSpan Sign integrated with nCino

156% Commercial Loan Growth with Ncino and Integrated E-Signatures

Wright Patt Credit Union, one of the 50 largest U.S. credit unions with 356,000 members and $4B in assets, needed to digitize its commercial lending process so a 15‑person Commercial Lending team could expand into mid‑market business loans without adding staff. The paper‑dependent workflow was a bandwidth bottleneck, so WPCU adopted the nCino Bank Operating System and sought an integrated e‑signature solution—selecting OneSpan (OneSpan Sign) to eliminate manual signature handling.

By integrating OneSpan Sign with nCino, Wright Patt implemented an end‑to‑end digital lending workflow that automated document prep, secure signer authentication and an auditable tamper‑sealed trail. The OneSpan‑enabled solution helped WPCU triple commercial loan volume from ~30 to ~100 loans per month, increase per‑borrower capacity from $5M to over $15M, process 650+ business loans in 2017 (a 65% year‑over‑year rise), cut coordinators’ document prep time by about 50%, save lenders roughly 54 minutes per loan, and drive broad e‑signature adoption while satisfying compliance.

Wright Patt Credit Union

Benjamin Miller

Commercial Portfolio Analyst