Loan Origination Systems
Compare the top LOS platforms for mortgage brokers and lenders. From pricing to integrations, find the right system for your operation.
Quick Comparison
| Vendor | Best For | Pricing | Rating | |
|---|---|---|---|---|
| Encompass by ICE Mortgage Technology | Mid to large brokerages and lenders who need the widest investor connectivity and don't mind paying a premium for the industry standard. | Encompass pricing is not publicly listed and varies by volume, modules, and contract length. Typical per-seat pricing ranges from $150-300/month. Implementation fees can run $10,000-50,000+ depending on customization. Contact ICE for a custom quote. | 4.2/5 | Full Review |
| ARIVE | Independent mortgage brokers and non-delegated TPOs who want an affordable, modern all-in-one platform without juggling separate LOS, POS, and pricing tools. | ARIVE offers transparent tiered pricing. Core plan: $49.99/user/mo (yearly) or $59.99 (monthly) for LOS, POS, PPE, and call reports. Pro plan: $69.99/user/mo (yearly) or $79.99 (monthly) adds e-Sign, Zapier API, whitelabeling, and external doc sharing. Non-Del plan: $99.95/user/mo for non-delegated correspondents with MERS, margin management, and DocMagic. Support staff seats start at $19.99/mo. | 4.3/5 | Full Review |
| Byte Pro by Byte Software | Mid-size brokerages (5-50 users) who want reliable processing, good support, and don't need the full Encompass ecosystem. | Byte Pro pricing starts around $100-150/month per user. Implementation is simpler and less expensive than Encompass, typically $5,000-15,000. | 4.1/5 | Full Review |
| Calyx Point | Individual loan officers, small brokerages, and new shops that need basic loan processing at the lowest cost. | Calyx Point is one of the most affordable LOS options, starting around $75-100/month per user. Some plans offer per-loan pricing for low-volume users. | 3.8/5 | Full Review |
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Detailed Reviews
Encompass by ICE Mortgage Technology
Encompass by ICE Mortgage Technology (formerly Ellie Mae) is the dominant loan origination system in the mortgage indust...
Best for: Mid to large brokerages and lenders who need the widest investor connectivity and don't mind paying a premium for the industry standard.
ARIVE
ARIVE by Wizni, Inc. is a complete loan origination platform built exclusively for independent mortgage brokers and non-...
Best for: Independent mortgage brokers and non-delegated TPOs who want an affordable, modern all-in-one platform without juggling separate LOS, POS, and pricing tools.
Byte Pro by Byte Software
Byte Pro by Byte Software is a well-established loan origination system popular among mid-size mortgage brokers. Known f...
Best for: Mid-size brokerages (5-50 users) who want reliable processing, good support, and don't need the full Encompass ecosystem.
Calyx Point
Calyx Point is one of the most affordable and accessible loan origination systems on the market. Popular with small brok...
Best for: Individual loan officers, small brokerages, and new shops that need basic loan processing at the lowest cost.