Top Loan Origination Software List (March 2025)

Encompass is a loan origination software for lenders, enabling them to give out more loans with minimal risks. The platform comes equipped with a Loan Origination System (LOS) that is capable of originating more loans, lower the cost, reduce the time of closing and help lenders to make smarter business decisions. The system also hosts a URLA-readiness feature that ensures seamless transitions and smooth business operations. It offers lenders an all-in-one platform where they can access everything they need for better lending practice. Encompass brings the borrower and loan officer to one place by creating a secure bi-directional connection. This gives teams the ability to access Encompass information in real-time without switching to other platforms. With an AI-driven system, Encompass offers intelligent automation throughout the system. It also makes lenders more responsive and delivers a better borrower experience. Encompass also offers paperless document management and next-gen data security mechanism for hassle-free business operations.

LoansPQ also known as MeridianLink Consumer at present is an impressive loan origination software offering a comprehensive product suite to credit unions, mortgage lenders and banks alike. The unified loan origination system streamlines and consolidates applications from multiple channels, whereby it applies similar rules ensuring a streamlined experience. Moreover, businesses can shape up the entire interface of MeridianLink Consumer/LoandPQ accordingly. They are provided access to 200+ third-party integrations, more than 1000 configuration points, a pricing engine and powerful underwriting. The software also gets a cutting edge user interface based upon modern and innovative technology. It is compatible with a variety of direct and indirect business and consumer loans, providing adequate support. Apart from serving as a pioneer in the lending genre, LoansPQ can also be trusted upon as an end to end platform, account opening assistant, data & reporting solution provider besides collections specialist.

HES FinTech is a technological advisor and provider of financial software. From loan origination, underwriting, and servicing to collections and pipeline performance tracking, we offer the technical foundation for the whole loan lifecycle. We deal with custom or configured software development for banking, commercial, consumer, P2P, POS, mortgage, and microfinance lending and provide configurable Loan Origination, Loan Servicing, and Debt Collection Software. HES lending software offers a distinctive lending experience for the financial industry, enabling customers to keep up with shifting markets and client demands. It was created with flexibility and scalability in mind. To reflect the brand identity and adhere to regulatory regulations, it might be specifically designed. Proprietary loan origination software and in-house development work can both be effectively replaced by HES software. Utilize information from any credit union or bureau, databases, and other improved data sources to verify customer identities and reduce the risk of fraud. Integrate your LOS software with PEP lists, blacklists, debarred firms lists, KYC/AML systems, and more. To approve more creditworthy borrowers and lower NPLs, use AI-powered scoring software. The HES Platform can be coupled with proprietary credit scoring systems like GiniMachine or third-party solution providers like FICO, SAAS, Experian, etc.

CloudBankIN is the answer to increased operational efficiency and seamless loan management. A robust platform that automates the entire end-to-end loan process, CloudBankIN simplifies and streamlines the loan management cycle from origination to collection. For professionals, CloudBankIN offers comprehensive lending tools and solutions designed to help streamline loan origination, underwriting, review, and approval processes. The platform simplifies transactional workflows, enabling lenders to quickly and accurately assess loan requests and tailor services to meet the needs of their customers. Additionally, the platform provides the ability to process and track loan payments, reduce risk, maintain a positive impact on loan performance, and monitor the complete loan lifecycle.

StreamLoan is a B2B SaaS solution that is reinventing the residential real estate purchase and financing process. Use real-time chat and notifications to work with all parties to keep every conversation in a single centralized location, with access to all relevant parties. Consolidate and streamline lead management this includes your digital leads purchased, your referrals from home builders or real estate agents, or from other digital channels. They encrypt your data at rest and in-flight with AES-256 bit bank-level security, AICPA secure & CFPB compliant.

Insellerate is a mortgage customer relationship management (CRM) software that helps lenders to close more loans. It works as an engagement platform by leveraging pre-built content, multi-channel marketing, text, social media, email and direct mail options. The solution also uses phone and ringless voicemail to engages both currents as well as past customers, driving more business. As an efficient CRM tool, the software intelligently distributes and manages leads with the client and prioritises the workflow. Insellerate enables an easy way to users to communicate with their borrowers and realtors by providing real-time automated communications. It also helps users by opening ways to strategy management and automation of the business process. Insellerate automates loan status updates, through texts and emails, and send detailed reports on what Realtor/Referral partners are sending to brands. It also runs various campaigns and marketing channels to see what is working and what needs improvement.

LendingPad is a cloud-based loan origination software that offers a complete platform for loan origination solutions for institutions, mortgage brokers, banks, service providers, and lenders. It is specially designed to streamline the lending process, minimize mortgage lending costs, and strengthen communication. This innovatively built platform is fully secured and potently optimizes the complex loan origination process designed by mortgage banking professionals. Moreover, this software allows the user's to originate loans from anywhere with a proper internet connection. Users can incorporate with third-party data providers to manage and connect with leads promptly. This tool can gather data from retail branches, consumer online portals, call centers, and in-house loan officers. The Lender edition comprises functionalities that offer secondary, closing, underwriting post-closing, and funding. Furthermore, to enhance the connectivity and operating efficiency, a range of customization features are offered for Institutions to scale the business to the next level. With processing centers, users can equip contract processing teams to cater to more clients with extensive volumes. LendingPad follows a quotation-based and subscription-based pricing strategy that includes institution edition and broker edition.

Calyx Point as an efficient loan origination software allows mortgage brokers and agents to get their loans processed in real-time, from application till closing. The software makes users aware of the fees they need to pay without any hidden charges, enabling them to keep the overall costs in check. With the in-built templates, the platform also ensures consistency in standardizing loan programs, borrower files, closing costs, etc. It helps users to save their valuable effort and time besides closing more deals, by allowing them to create, capture and save pre-application data for existing prospective borrowers. Mortgage brokers also get to build strong relationships with their borrowers, through different marketing tools, including loan comparisons, open house flyers, and pre-approval letters. Organisations using Calyx Point, also get access to a host of services like asset verification, credit reporting, product pricing, eligibility checking, compliance services, etc. Moreover, users can receive advice from mortgage specialists through the platform and increase their efficiency levels in a whole.

Provenir Platform is a banking and loan origination software that fuels business development and agility and automates your loan origination operations for online lending approvals. It enables you to deploy risk models and simplify data integration in minutes to ensure better decisioning for increased profits. With Provenir, you can easily develop and implement your decision-making processes in minutes with drag-and-drop, no-code tools. It provides your team the tools they need to take control of your risk strategy fast and effectively. You can create loan origination experiences that will keep customers coming back for more. Using Provenir’s Data-as-a-Service solution, you can connect to both external and internal data sources. The platform’s data marketplace enables you to investigate new data sources in areas like KYC, fraud and credit. Provenir’s decisioning cloud enables completely automated, real-time decisioning operations. It offers predictive models that can be uploaded and implemented into business logic without recording to quickly evaluate credit risk. You can detect and respond to new threats and opportunities more quickly. Additionally, you can measure model performance, business KPIs, and decisioning metrics with Provenir.

Lend.In is Kuliza’s flagship lending product, a new-age lending system for banks and lending institutions to increase the overall efficiencies while decreasing the cost and go-to-market time for customers. Omnichannel loan origination and automation of loans; right from lead acquisition across various sources, to customer engagement enable an end-to-end digital transformation that includes necessary document sourcing and their evaluation and processing, provides a simplified experience to the end-users through workflow-based automated decision-making and is capable of credit-scoring that is powered with insightful analytics.