# Blend vs Arive: Side-by-Side Comparison

> Blend vs Arive comparison for 2026. Features, pricing, deployment, and which platform fits your institution best.

Source: https://thelosdirectory.com/compare/auto/blend-vs-arive

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Mortgage LOS Comparison

Two mortgage loan origination systems compared on features, pricing, compliance, and fit for banks, credit unions, and brokers.

## Our Analysis

Blend and Arive rarely compete for the same buyer. Blend is a borrower-experience POS layer that sits atop an LOS like Encompass, used by 300+ institutions including top-20 U.S. banks at $100K-$500K+/year. Arive is a complete broker-specific platform bundling LOS, POS, PPE, and lender marketplace at $100-$300/user/month for 25,000+ loan officers. Banks upgrading borrower experience without replacing their LOS choose Blend; independent brokers wanting an all-in-one wholesale system choose Arive.

## At a Glance

### Blend

Blend Labs, Inc.

POS / Borrower Portal MortgageConsumerHome Equity

- **HQ**: Novato, CA
- **Founded**: 2012
- **Deployment**: cloud
- **Size Fit**: Midsize ($1B-$10B assets), Enterprise ($10B+ assets)
- **Pricing**: Custom pricing; typically $100K–$500K+/year for mid-size institutions depending on volume and modules
- **Users**: Blend's FY2025 Form 10-K does not state a total customer count; Blend says 39 of the top 100 U.S. institutions and 7 of the top 10 U.S. credit unions use its products
- **Market Share**: Blend says 39 of the top 100 U.S. institutions ranked by the Federal Reserve and 7 of the top 10 U.S. credit unions use its products (as of September 2026)
- **G2 Rating**: 4.1/5 (7 reviews)

[Full Blend review](https://thelosdirectory.com/platforms/blend)

### Arive

Wizni, Inc.

Full LOS Mortgage

- **HQ**: San Ramon, CA
- **Founded**: 2018
- **Deployment**: cloud
- **Size Fit**: Solo / 1-person shops, Small (under $1B assets), Midsize ($1B-$10B assets)
- **Pricing**: Published at arive.com/pricing as of September 2026: Broker Core originator seat $59.99 per user per month billed monthly or $49.99 billed annually (support seat $24.99 or $19.99); Broker Pro originator seat $79.99 or $69.99 (support seat $39.99 or $34.99); Non-Del originator seat $99.99 (support seat $49.99)
- **Users**: 25,000+ loan officers and 5,000+ broker, non-delegated and TPP companies, per Arive (as of September 2026)
- **Market Share**: Arive reports 25,000+ loan officers, 5,000+ broker, non-delegated and TPP companies, and 200,000+ new applications per month (as of September 2026)

[Full Arive review](https://thelosdirectory.com/platforms/arive)

## Feature-by-Feature Comparison

| Feature | Blend | Arive | Edge |
| --- | --- | --- | --- |
| Loan Types | Mortgage, Consumer, Home Equity | Mortgage | Blend |
| Deployment | cloud | cloud | Tie |
| Pricing Model | SaaS subscription + per-application transaction fees | SaaS subscription (per-user monthly) | Tie |
| Pricing Range | Custom pricing; typically $100K–$500K+/year for mid-size institutions depending on volume and modules | Published at arive.com/pricing as of September 2026: Broker Core originator seat $59.99 per user per month billed monthly or $49.99 billed annually (support seat $24.99 or $19.99); Broker Pro originator seat $79.99 or $69.99 (support seat $39.99 or $34.99); Non-Del originator seat $99.99 (support seat $49.99) | Tie |
| Product Category | POS / Borrower Portal | Full LOS | Tie |
| Core Integrations | Fiserv, Jack Henry, FIS, Temenos | UWM, Rocket Pro, NewRez, PennyMac | Tie |
| Best For | Mid-to-large banks and growing lenders that prioritize borrower experience and want a cloud-native digital lending platform with strong API extensibility | Brokers who want LOS, POS, product & pricing engine, and lender marketplace all in one integrated platform | Tie |
| Lender Segments | Banks, Credit Unions, Mortgage Banks | Brokers, Mortgage Banks | Blend |
| Size Fit | Midsize ($1B-$10B assets), Enterprise ($10B+ assets) | Solo / 1-person shops, Small (under $1B assets), Midsize ($1B-$10B assets) | Arive |

## Key Differences

- Blend additionally supports Consumer, Home Equity loan types that Arive does not.
- Blend targets Banks, Credit Unions, Mortgage Banks, whereas Arive focuses on Brokers, Mortgage Banks.
- Blend fits Midsize ($1B-$10B assets) and Enterprise ($10B+ assets) institutions, while Arive targets Solo / 1-person shops and Small (under $1B assets) and Midsize ($1B-$10B assets) institutions.
- Blend (founded 2012) has a longer track record, while Arive (founded 2018) brings a more modern architecture.

### Choose Blend if...

- Best-in-class borrower-facing experience — measurably reduces application abandonment
- API-first design makes it the most extensible platform for custom integrations
- Multi-product expansion (mortgage, consumer, HELOC, deposits) on a single platform
- Blend says 39 of the top 100 U.S. institutions ranked by the Federal Reserve use its products

### Choose Arive if...

- First platform to combine LOS+POS+PPE+lender marketplace in a single system
- Massive broker adoption — 25,000+ LOs and 200,000+ monthly applications
- Eliminates multi-vendor integration headaches for brokers
- Rapid innovation cycle with new features every two weeks

## Deep Dive

[Blend Full Profile](https://thelosdirectory.com/platforms/blend) [Arive Full Profile](https://thelosdirectory.com/platforms/arive)

## Frequently Asked Questions

Can a mortgage broker use Blend instead of Arive?

Blend is primarily a POS for banks requiring a separate LOS underneath. Arive's integrated LOS+POS+PPE is purpose-built for broker workflows and far more practical for independent operations.

Does Blend include a full LOS?

No. Blend is a point-of-sale and borrower portal that sits on an existing LOS. Arive includes a complete LOS with pipeline management, compliance, and a lender marketplace.

Which delivers a better borrower experience?

Blend is widely considered best-in-class for borrower-facing digital experience, proven at top-20 banks. Arive's POS is strong for brokers but was not designed to match Blend's enterprise standards.

### Not sure which platform is right?

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[Try the LOS Finder](https://thelosdirectory.com/tools/los-finder)

### Related

[Blend Full Review](https://thelosdirectory.com/platforms/blend) [Arive Full Review](https://thelosdirectory.com/platforms/arive) [Blend Alternatives](https://thelosdirectory.com/alternatives/blend) [Arive Alternatives](https://thelosdirectory.com/alternatives/arive) [All Comparisons](https://thelosdirectory.com/compare) [How to Choose an LOS](https://thelosdirectory.com/guides/how-to-choose)

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