Mortgage LOS Comparison
LendingPad vs Arive: Side-by-Side Comparison
Two mortgage loan origination systems compared on features, pricing, compliance, and fit for banks, credit unions, and brokers.
Our Analysis
Mortgage banks and correspondent lenders needing retail flexibility should gravitate toward LendingPad, which serves a wider range of lender types including some depositories. Dedicated wholesale brokers gain more from Arive's integrated lender marketplace and built-in PPE connecting to 30+ wholesale lenders. Priced similarly at $100-$300/user/month, the platforms diverge on channel focus: Arive is exclusively wholesale/non-delegated correspondent; LendingPad supports broader origination channels. LendingPad earns 4.5/5 on G2 and 4.6/5 on Software Advice; Arive lacks public third-party reviews.
At a Glance
LendingPad
LendingPad
- HQ
- McLean, VA
- Founded
- 2015
- Deployment
- cloud
- Size Fit
- Small (under $1B assets), Midsize ($1B-$10B assets)
- Pricing
- Estimated $100–$300/user/month
- Users
- Not publicly disclosed
- Market Share
- Growing share among mid-market mortgage lenders
Arive
Wizni, Inc.
- HQ
- San Ramon, CA
- Founded
- 2018
- Deployment
- cloud
- Size Fit
- Solo / 1-person shops, Small (under $1B assets), Midsize ($1B-$10B assets)
- Pricing
- Estimated $100–$300/user/month; contact sales for volume pricing
- Users
- 25,000+ loan officers across 5,000+ broker firms
- Market Share
- 25,000+ LOs and 5,000+ broker firms; 200,000+ monthly applications
Feature-by-Feature Comparison
| Feature | LendingPad | Arive | Edge |
|---|---|---|---|
| Loan Types | Mortgage | Mortgage | Tie |
| Deployment | cloud | cloud | Tie |
| Pricing Model | Per-user monthly subscription | SaaS subscription (per-user monthly) | Tie |
| Pricing Range | Estimated $100–$300/user/month | Estimated $100–$300/user/month; contact sales for volume pricing | Tie |
| Product Category | Full LOS | Full LOS | Tie |
| Core Integrations | Limited — focused on mortgage industry integrations | UWM, Rocket Pro, NewRez, PennyMac, Flagstar | Arive |
| Best For | Growing mortgage operations (50–1,000 loans/year) that want a modern, cloud-native LOS with strong multi-user collaboration | Brokers who want LOS, POS, product & pricing engine, and lender marketplace all in one integrated platform | Tie |
| Lender Segments | Brokers, Mortgage Banks, Banks, Credit Unions | Brokers, Mortgage Banks | LendingPad |
| Size Fit | Small (under $1B assets), Midsize ($1B-$10B assets) | Solo / 1-person shops, Small (under $1B assets), Midsize ($1B-$10B assets) | Arive |
Key Differences
- LendingPad targets Brokers, Mortgage Banks, Banks, Credit Unions, whereas Arive focuses on Brokers, Mortgage Banks.
- LendingPad fits Small (under $1B assets) and Midsize ($1B-$10B assets) institutions, while Arive targets Solo / 1-person shops and Small (under $1B assets) and Midsize ($1B-$10B assets) institutions.
Choose LendingPad if...
- ▸ Modern, clean interface — lowest learning curve in the category
- ▸ True multi-user collaboration in loan files
- ▸ Cloud-native architecture with no legacy technical debt
- ▸ Responsive, hands-on customer support (smaller company advantage)
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
Frequently Asked Questions
Can a mortgage bank use Arive for retail and wholesale?
Which includes a built-in pricing engine?
How do third-party review ratings compare?
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