# LOS Platform Directory > Independent reviews of 53 LOS platforms for community banks, credit unions, and mortgage lenders. Filter by loan type and compare features. Source: https://thelosdirectory.com/platforms --- In-depth profiles of 53 loan origination systems — covering features, pricing, pros and cons, and who each platform is best for. Filter by loan type or lender segment to find platforms that match your needs. [![ABLE Platform logo](https://thelosdirectory.com/logos/able-platform.png) ABLE Platform ABLE / RnDPoint · Tallinn, Small-to-mid banks and digital lenders that want a highly configurable, modular LOS with sophisticated decision engine and source-code access for licensees ConsumerSmall BusinessMortgageAutoBNPL cloud · Not publicly disclosed](https://thelosdirectory.com/platforms/able-platform)[![Abrigo logo](https://thelosdirectory.com/logos/abrigo.png) Abrigo Abrigo · Austin, TX Community banks under $10B that need integrated commercial loan origination with credit risk analytics and BSA/AML compliance CommercialSmall BusinessSBACREConstructionAgricultureConsumer cloud · 2,400+ financial institutions (across all products)](https://thelosdirectory.com/platforms/abrigo)[![Aloan logo](https://thelosdirectory.com/logos/aloan.png) Aloan Aloan Inc. · Houston, TX Community and regional banks, credit unions, and CDFIs that want AI-native commercial loan origination: spreading, risk detection, and credit memos with a full source-document audit trail, whether as a standalone LOS or layered on the system they already run CommercialCRESBAEquipmentAgricultureSmall Business cloud · Early-stage; a small number of community and regional bank deployments](https://thelosdirectory.com/platforms/aloan)[![Arive logo](https://thelosdirectory.com/logos/arive.png) Arive Wizni, Inc. · San Ramon, CA Brokers who want LOS, POS, product & pricing engine, and lender marketplace all in one integrated platform Mortgage cloud · 25,000+ loan officers and 5,000+ broker, non-delegated and TPP companies, per Arive (as of September 2026)](https://thelosdirectory.com/platforms/arive)[B Backbase Backbase · Amsterdam, NL Institutions whose problem is the borrower-facing journey and channel experience rather than the credit engine behind it ConsumerCommercialSmall Business cloud · 120+ financial institutions, per the vendor](https://thelosdirectory.com/platforms/backbase)[![Baker Hill UN/FY (formerly NextGen) logo](https://thelosdirectory.com/logos/baker-hill.png) Baker Hill UN/FY (formerly NextGen) Baker Hill · Carmel, IN Community banks and credit unions ($500M–$10B) that want a single SaaS platform spanning commercial, consumer, and SBA lending with built-in analytics CommercialConsumerSBASmall Business cloud · Hundreds of community banks and credit unions](https://thelosdirectory.com/platforms/baker-hill)[B Biz2X Biz2Credit · New York, NY Institutions where SBA 7(a), 504, and Express are a real operating program rather than a side product, and partner or affiliate origination models matter Small BusinessSBACommercialCRE cloud · Not publicly disclosed](https://thelosdirectory.com/platforms/biz2x)[![Blend logo](https://thelosdirectory.com/logos/blend.png) Blend Blend Labs, Inc. · Novato, CA Mid-to-large banks and growing lenders that prioritize borrower experience and want a cloud-native digital lending platform with strong API extensibility MortgageConsumerHome Equity cloud · 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](https://thelosdirectory.com/platforms/blend)[![Blue Sage Digital Lending Platform logo](https://thelosdirectory.com/logos/blue-sage.png) Blue Sage Digital Lending Platform Blue Sage Solutions · Englewood Cliffs, NJ Mid-to-large mortgage lenders ($1B+ volume) that need a 100% cloud-native, multi-channel LOS with deep automation and open API architecture Mortgage cloud · Not publicly disclosed; targeting enterprise deployments](https://thelosdirectory.com/platforms/blue-sage)[![Built logo](https://thelosdirectory.com/logos/built.png) Built Built Technologies · Nashville, TN Lenders that want one construction finance layer for draw administration, inspections, payments, and CRE workflow without pretending it is a full bank-wide LOS ConstructionCommercialCRE cloud · 340+ lenders, per Built (as of September 2026)](https://thelosdirectory.com/platforms/built)[![BytePro Enterprise logo](https://thelosdirectory.com/logos/bytepro.jpg) BytePro Enterprise Byte Software · Kirkland, WA Community banks and mid-size lenders who want Encompass-level capability at a lower price point with more customization control Mortgage cloud / self-hosted · 1,000+ mortgage bankers, credit unions, banks, and brokers](https://thelosdirectory.com/platforms/bytepro)[![Calyx Point / Path logo](https://thelosdirectory.com/logos/calyx.png) Calyx Point / Path Calyx Software · San Jose, CA Small mortgage brokers and independent loan officers who need an affordable, straightforward LOS without enterprise complexity Mortgage cloud / desktop · Thousands of brokers and small lenders](https://thelosdirectory.com/platforms/calyx)[![Coviance logo](https://thelosdirectory.com/logos/coviance.png) Coviance Coviance · West Des Moines, IA Banks and credit unions that want to automate HELOC and home-equity workflows without forcing every loan through a full mortgage LOS Home EquityHELOC cloud · 425+ credit unions and community banks (public 2023 claim)](https://thelosdirectory.com/platforms/coviance)[![defi SOLUTIONS logo](https://thelosdirectory.com/logos/defi-solutions.png) defi SOLUTIONS defi SOLUTIONS · Westlake, TX Auto lenders who need a purpose-built origination and servicing platform for indirect dealer networks and consumer-direct channels Auto cloud · Not publicly disclosed; serves major captive and independent auto lenders](https://thelosdirectory.com/platforms/defi-solutions)[![DigiFi logo](https://thelosdirectory.com/logos/digifi.png) DigiFi DigiFi, Inc. · New York, NY Lenders who want an API-first, no-code decision engine with full loan origination capabilities ConsumerAutoSmall BusinessCommercialMortgage cloud · Not publicly disclosed](https://thelosdirectory.com/platforms/digifi)[D DownHome Solutions DownHome Solutions · Seattle, WA Loan funds whose hardest recurring problem is CDFI Fund TLR reporting and multi-fund tracking rather than credit analysis depth Small BusinessCommercialConsumer cloud · Over 400 community lenders use DownHome Loan Manager, per the vendor's website](https://thelosdirectory.com/platforms/downhome-solutions)[![Encompass logo](https://thelosdirectory.com/logos/encompass.svg) Encompass ICE Mortgage Technology · Pleasanton, CA Mid-to-large mortgage lenders who need deep compliance automation and a vast partner ecosystem Mortgage cloud / hybrid · 3,000+ lenders](https://thelosdirectory.com/platforms/encompass)[![Finastra Lending (formerly Fusion Lending Suite) logo](https://thelosdirectory.com/logos/finastra-fusion.svg) Finastra Lending (formerly Fusion Lending Suite) Finastra · London, England Regional-to-large banks ($5B+) that need a broad commercial credit platform supporting term loans, SBA, equipment finance, CRE, and multi-currency transactions CommercialSBAEquipmentCRE cloud · Not publicly disclosed; Finastra says it has 7,000+ customers (March 2026)](https://thelosdirectory.com/platforms/finastra-fusion)[![Finastra Mortgagebot logo](https://thelosdirectory.com/logos/finastra.svg) Finastra Mortgagebot Finastra · London, England Community banks and credit unions ($200M–$5B) that need an affordable, proven mortgage LOS with strong compliance and 100+ pre-built vendor integrations MortgageConsumerHome Equity cloud · 1,400+ institutions on MortgagebotPOS (Finastra, October 2019)](https://thelosdirectory.com/platforms/finastra)[![FIS Commercial Loan Origination logo](https://thelosdirectory.com/logos/fis-commercial.png) FIS Commercial Loan Origination FIS (Fidelity National Information Services) · Jacksonville, FL Mid-to-enterprise banks ($5B+) that need a highly configurable commercial LOS with digital borrower experience, risk analysis, and profitability optimization CommercialCREEquipment cloud · Not publicly disclosed; FIS serves thousands of banks globally](https://thelosdirectory.com/platforms/fis-commercial)[![Fiserv Originate Loans logo](https://thelosdirectory.com/logos/fiserv.svg) Fiserv Originate Loans Fiserv · Milwaukee, WI Institutions on Fiserv cores (DNA, Premier, Precision) that want native lending integration without third-party middleware ConsumerAutoCredit CardsHELOCSmall Business cloud / hybrid · Not publicly disclosed; Fiserv serves 6,000+ FIs across all products](https://thelosdirectory.com/platforms/fiserv)[![FlashSpread logo](https://thelosdirectory.com/logos/flashspread.svg) FlashSpread BeSmartee · San Juan Capistrano, CA Lenders that want a specialized, embeddable tool to automate spreading of tax returns and financial statements, used alongside a full LOS or credit platform CommercialCRESmall Business cloud](https://thelosdirectory.com/platforms/flashspread)[![Fundingo logo](https://thelosdirectory.com/logos/fundingo.png) Fundingo CloudMyBiz · Sherman Oaks, CA CDFIs and other lenders that want a Salesforce-based system spanning origination, underwriting, servicing, and reporting CommercialSmall BusinessConsumer cloud](https://thelosdirectory.com/platforms/fundingo)[![Fuse logo](https://thelosdirectory.com/logos/fuse.png) Fuse Elsker Inc. · New York, NY Credit unions ready to replace legacy LOS with an AI-native platform that automates underwriting decisions, document review, and borrower communications — with contractual performance guarantees and flat annual pricing ConsumerAutoHELOCCredit CardsSmall BusinessCommercial cloud · 100+ financial institutions](https://thelosdirectory.com/platforms/fuse)[![Hawthorn River logo](https://thelosdirectory.com/logos/hawthorn-river.png) Hawthorn River CSI (Computer Services, Inc.) · O'Fallon, MO Community banks that want one system for all loan types instead of stitching together separate commercial, consumer, and mortgage tools CommercialConsumerMortgageSmall BusinessAgriculture cloud · Community banks across the U.S. (exact count not publicly disclosed)](https://thelosdirectory.com/platforms/hawthorn-river)[![HES LoanBox logo](https://thelosdirectory.com/logos/hes-loanbox.jpg) HES LoanBox HES FinTech · Vilnius, Small-to-mid lenders and specialty finance companies that need a modular, configurable lending platform with AI-driven decisioning and a no-code BPM engine ConsumerCommercialAuto cloud · Not publicly disclosed](https://thelosdirectory.com/platforms/hes-loanbox)[![Hitch logo](https://thelosdirectory.com/logos/hitch.png) Hitch Hitch, Inc. · New York, NY Wholesale and specialty mortgage lenders that want a white-label HELOC and home-equity workflow with broker-facing distribution HELOCHome Equity cloud](https://thelosdirectory.com/platforms/hitch)[![Jack Henry LoanVantage logo](https://thelosdirectory.com/logos/jack-henry.svg) Jack Henry LoanVantage Jack Henry & Associates · Monett, MO Community and regional banks ($300M–$15B) on Jack Henry cores that want a single, integrated loan origination platform for consumer and commercial lending ConsumerSmall BusinessCommercialCRE cloud / self-hosted · Part of Jack Henry's client base of over 7,200, per its FY2026 Form 10-K](https://thelosdirectory.com/platforms/jack-henry)[L Land Gorilla Land Gorilla, Inc. · San Luis Obispo, CA Lenders whose construction pain is the draw cycle itself: budget control, inspection turn times, lien risk, and disbursement ConstructionCREConsumer cloud · Not publicly disclosed](https://thelosdirectory.com/platforms/land-gorilla)[![LendFoundry logo](https://thelosdirectory.com/logos/lendfoundry.png) LendFoundry Sigma Infosolutions · Irvine, CA Startup-to-midsize fintech lenders and alternative lending platforms that need a highly configurable, API-first LOS with 90+ integrations (per LendFoundry) and strong decisioning ConsumerSmall BusinessBNPL cloud · Not publicly disclosed](https://thelosdirectory.com/platforms/lendfoundry)[![LendingPad logo](https://thelosdirectory.com/logos/lendingpad.svg) LendingPad LendingPad · McLean, VA Growing mortgage operations (50–1,000 loans/year) that want a modern, cloud-native LOS with strong multi-user collaboration Mortgage cloud · 300+ lenders, per LendingPad (as of September 2026)](https://thelosdirectory.com/platforms/lendingpad)[![LendingWise logo](https://thelosdirectory.com/logos/lendingwise.png) LendingWise LendingWise · Miami, FL Small-to-mid private and CRE lenders that want an all-in-one CRM + LOS + pricing + servicing platform for fix-and-flip, rental, CRE, and SBA lending Fix & FlipCREBridgeSBASmall BusinessDSCR cloud · 300+ companies, per LendingWise (as of September 2026)](https://thelosdirectory.com/platforms/lendingwise)[![Liquid Logics logo](https://thelosdirectory.com/logos/liquid-logics.png) Liquid Logics Liquid Logics · Lee's Summit, MO Small-to-mid private lenders that need a comprehensive cloud-based platform covering origination, underwriting, docs, servicing, and investor management with rules and AI features MortgageCommercialConstructionDSCR cloud · 100+ private lending companies](https://thelosdirectory.com/platforms/liquid-logics)[![LoanPro logo](https://thelosdirectory.com/logos/loanpro.png) LoanPro LoanPro · Farmington, UT Fintechs and banks that need composable, API-first lending infrastructure spanning origination through servicing ConsumerAutoHELOCCredit CardsCommercial cloud · 600+ lenders](https://thelosdirectory.com/platforms/loanpro)[![MeridianLink Consumer logo](https://thelosdirectory.com/logos/meridianlink-consumer.png) MeridianLink Consumer MeridianLink, Inc. · Irvine, CA Banks and credit unions ($100M–$50B) that need a configurable consumer LOS with 1,000+ configuration points, robust decisioning, and broad loan-type coverage across auto, personal, cards, and HELOC ConsumerAutoCredit CardsSmall BusinessHELOC cloud · More than 1,800 community financial institutions company-wide, per MeridianLink (as of September 2026)](https://thelosdirectory.com/platforms/meridianlink-consumer)[![MeridianLink Mortgage logo](https://thelosdirectory.com/logos/meridianlink.png) MeridianLink Mortgage MeridianLink, Inc. · Irvine, CA Credit unions and community banks that want a streamlined, cloud-native mortgage LOS tightly integrated with MeridianLink's consumer lending and account-opening products MortgageHome Equity cloud · Part of MeridianLink's client base of more than 1,800 community financial institutions (as of September 2026)](https://thelosdirectory.com/platforms/meridianlink)[![Moody's Lending Suite (formerly CreditLens) logo](https://thelosdirectory.com/logos/moodys-creditlens.png) Moody's Lending Suite (formerly CreditLens) Moody's Analytics · New York, NY Mid-market and enterprise lenders that want financial spreading and risk rating tied to Moody's proprietary credit models across complex corporate borrower hierarchies CommercialCRE cloud](https://thelosdirectory.com/platforms/moodys-creditlens)[![Moody's Lending Suite Origination (formerly Numerated) logo](https://thelosdirectory.com/logos/numerated.png) Moody's Lending Suite Origination (formerly Numerated) Moody's · Boston, MA Community and regional banks ($500M–$50B) that want to digitize business banking origination with automated data gathering, spreading, scoring, and document preparation Small BusinessCommercialEquipment cloud · Moody's does not publish a count of banks. Its November 2024 acquisition release said financial institutions with a combined $3 trillion in assets used Numerated](https://thelosdirectory.com/platforms/numerated)[![Mortgage Automator logo](https://thelosdirectory.com/logos/mortgage-automator.jpg) Mortgage Automator Mortgage Automator · Toronto, ON Small-to-mid private lenders in the U.S. and Canada that want end-to-end origination and servicing with auto-generated documents, borrower portals, and investor management MortgageCommercialConstructionFix & Flip cloud · 500+ private lenders, per the vendor (as of September 2026)](https://thelosdirectory.com/platforms/mortgage-automator)[![Mortgage Cadence logo](https://thelosdirectory.com/logos/mortgage-cadence.png) Mortgage Cadence PartnerOne · Denver, CO Enterprise mortgage lenders needing end-to-end origination with two deployment tiers (Enterprise and Essentials) Mortgage cloud · Hundreds of mortgage lenders](https://thelosdirectory.com/platforms/mortgage-cadence)[![nCino logo](https://thelosdirectory.com/logos/ncino.png) nCino nCino, Inc. · Wilmington, NC Community and regional banks that want a single platform for commercial, consumer, and mortgage lending with strong CRM integration CommercialConsumerMortgageSBASmall BusinessCRE cloud · 2,700+ customers, about 1,500 of them depository institutions (nCino FY2026 10-K)](https://thelosdirectory.com/platforms/ncino)[N Northteq Northteq, LLC · Minneapolis, MN Independent equipment lessors that want a modern, Salesforce-native origination system with vendor and borrower portals rather than an enterprise lease platform EquipmentCommercial cloud · 175+ lenders, per the vendor](https://thelosdirectory.com/platforms/northteq)[N Nortridge Nortridge Software LLC · Foothill Ranch, CA Lenders whose difficulty is servicing complexity, including revolving and installment structures on one platform, rather than front-end origination alone CommercialConsumerAutoCRESmall Business cloud / on-premise · Not publicly disclosed](https://thelosdirectory.com/platforms/nortridge)[O Odessa Odessa Technologies, Inc. · Philadelphia, PA Lessors that need one platform for the full lease and loan lifecycle, from origination through asset management, termination, and remarketing Equipment cloud · Not publicly disclosed](https://thelosdirectory.com/platforms/odessa)[![OpenClose logo](https://thelosdirectory.com/logos/openclose.png) OpenClose MeridianLink · West Palm Beach, FL Small-to-mid depositories and mortgage lenders that want a 100% browser-based, multi-channel mortgage platform combining POS, LOS, PPE, and BI in one system Mortgage cloud · Hundreds of lenders](https://thelosdirectory.com/platforms/openclose)[![Origence arc OS logo](https://thelosdirectory.com/logos/origence.png) Origence arc OS Origence · Irvine, CA Credit unions of all sizes that want a configurable, credit-union-specific LOS with strong auto lending, consumer decisioning, and Experian PowerCurve integration AutoConsumerHELOCCredit Cards cloud · Origence reports about 1,100 credit unions across its products (as of September 2026); it does not publish a count for arc OS alone](https://thelosdirectory.com/platforms/origence)[S Solifi Solifi · Minneapolis, MN Secured finance firms that want equipment, working capital, wholesale, or automotive finance on one cloud platform rather than a separate system per asset class EquipmentCommercialAuto cloud · Not publicly disclosed](https://thelosdirectory.com/platforms/solifi)[S SPARK Arcadea Group · Minneapolis, MN SBA lenders and LSPs that want the program mechanics automated end to end, from eligibility and packaging through E-Tran submission, closing, and disbursement SBASmall BusinessCommercial cloud · Not publicly disclosed](https://thelosdirectory.com/platforms/spark)[![The Mortgage Office logo](https://thelosdirectory.com/logos/mortgage-office.png) The Mortgage Office Applied Business Software · Huntington Beach, CA Small-to-mid private and hard money lenders that need integrated origination, servicing, and investor management on a single platform MortgageCommercialConstructionFix & FlipDSCR cloud / self-hosted · 1,100+ lenders managing over $190B in loans, per the vendor (as of September 2026)](https://thelosdirectory.com/platforms/mortgage-office)[![TurnKey Lender logo](https://thelosdirectory.com/logos/turnkey-lender.png) TurnKey Lender TurnKey Lender · Austin, TX Small-to-mid banks and fintech lenders that want AI-powered decisioning automating up to 90% of credit decisions with end-to-end origination, servicing, and collections ConsumerSmall BusinessAutoBNPL cloud / self-hosted · 200+ clients in 50+ countries, per the vendor (as of September 2026)](https://thelosdirectory.com/platforms/turnkey-lender)[![Wolters Kluwer ComplianceOne logo](https://thelosdirectory.com/logos/complianceone.svg) Wolters Kluwer ComplianceOne Wolters Kluwer · Minneapolis, MN Community banks and credit unions that need a compliance-first lending platform with automated document generation, multi-product loan processing, and deep core banking integration ConsumerCommercialCREAgricultureConstructionHome EquityHELOC cloud / self-hosted · ~2,000 community banks and credit unions](https://thelosdirectory.com/platforms/complianceone)[![Zeitro logo](https://thelosdirectory.com/logos/zeitro.svg) Zeitro Zeitro · Cupertino, CA Solo originators, brokers, and small teams that want an AI-driven mortgage LOS supporting agency, FHA/VA, Non-QM, DSCR, and hard money products MortgageDSCRFix & Flip cloud · Over 3,000 mortgage professionals, per the vendor (as of September 2026)](https://thelosdirectory.com/platforms/zeitro)[Z Zoot Zoot Enterprises · Bozeman, MT Issuers whose constraint is decision speed and data orchestration at application, particularly in credit card and retail credit programs ConsumerSmall Business cloud / on-premise · Not publicly disclosed](https://thelosdirectory.com/platforms/zoot) No platforms match your filters Try removing a filter or clearing your search. ## Not sure which platform to evaluate? [Best LOS for Community Banks](https://thelosdirectory.com/best/community-banks) [Best LOS for Credit Unions](https://thelosdirectory.com/best/credit-unions) [Best Mortgage LOS](https://thelosdirectory.com/best/mortgage-lending) [Head-to-Head Comparisons](https://thelosdirectory.com/compare) [How to Choose an LOS](https://thelosdirectory.com/guides/how-to-choose) --- The LOS Directory — independent reviews and comparisons of loan origination systems. - Site index: https://thelosdirectory.com/llms.txt - Full text of every page: https://thelosdirectory.com/llms-full.txt - Sitemap: https://thelosdirectory.com/sitemap-index.xml - Agent instructions: https://thelosdirectory.com/AGENTS.md