ARIVE
- Company typePrivate
- Founded2018
- HeadquartersSan Ramon, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What ARIVE does
ARIVE, operated by Wizni, Inc. and built around a wholly-owned subsidiary Arive, LLC, is a web-based, cloud-hosted loan origination platform serving independent mortgage brokers, non-delegated correspondent lenders, and third-party contract processors in the U.S. wholesale channel. The platform consolidates four core components into a single browser-accessible product: a Loan Origination System (LOS) that manages pipeline, disclosures, and one-click automated underwriting; a Borrower Point of Sale (POS) for branded, mobile-friendly application capture; a Products & Pricing Engine (PPE) with real-time lender rates, fee worksheets, and instant TCAs; and a Lender Integrations layer that, per company materials, connects 35+ wholesale lenders (including UWM, RocketPro, Newrez, Pennymac, and HomeXpress) for digital submission and status tracking. Underlying infrastructure runs on SOC 2-compliant Amazon Web Services with 256-bit encryption, Auth0-backed multi-factor authentication, and integrations with Fannie Mae DU, Freddie Mac LPA, DocuSign, DocMagic, Twilio, and 35+ credit vendors.
The company monetizes via tiered, seat-based monthly subscriptions — Broker Core, Broker Pro, Non-Del, and Contract Processor — priced from approximately $24.99 to $59.99 per seat with annual discounts and 7-day self-serve free trials. Go-to-market is product-led: brokers sign up directly through arive.com, are onboarded via live training sessions and a Facebook community, and are additionally pulled in by lender referrals through the integrated marketplace. According to company-reported scale metrics, the platform supports roughly 25,000+ loan officers across 5,000+ broker/non-del/TPP entities, processes 200,000+ new monthly applications, and handles 900,000+ monthly pricing calls. Founded in 2018 and headquartered in San Ramon, California, ARIVE has not disclosed external funding rounds, and ownership rests with Wizni, Inc. management. Recent strategic activity in 2026 — onboarding HomeXpress Mortgage Corp (non-QM/investor) and MortgageOne TPO (CDFI/down-payment-assistance) — signals continued vertical and ecosystem expansion within the wholesale mortgage channel.
ARIVE firmographics
Firmographics- Name
- ARIVE
- Legal name
- Wizni, Inc.
- Website
- https://arive.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
ARIVE industry classification
Industry- Product category
- Mortgage Loan Origination Software
- NAICS
- Software Publishers (5132)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Loan Origination Platforms (LOS) & Digital Application Journeys (FSAGAHAA)
- akta.pro secondary industries
- Mortgage Point-of-Sale (POS) & Borrower Intake Portals (FSALALAD), Product, Pricing & Eligibility (PPE) / Rate Lock & Pricing Engines (FSALALAC), Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)
Keywords
Where ARIVE is headquartered
LocationHeadquarters
- HQ city
- San Ramon
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
ARIVE business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Infrastructure
Revenue model
- Software Subscriptions: ARIVE operates on a subscription-based model with tiered pricing plans. All new company accounts start with a 7-day free trial. Self-paid user accounts also include a 7-day free trial. Subscription plans include Broker Core, Broker Pro (premium features including eSign, Zapier CRM integration, LOS whitelabeling, POS theme customization), Non-Del (for non-delegated correspondent lenders), and Contract Processor accounts.
- Seat-based Licensing: Pricing varies by subscription tier and seat type. Processor users in brokerage accounts: $24.99, $39.99, or $49.95/month depending on plan (discounts available for annual). Contract Processor accounts: $59.99/month with annual discount available. Occasional/Support Staff seats available for processors in brokerage accounts.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Broker Core - Base subscription for mortgage brokers |
| Subscription | Monthly | Broker Pro - Premium features including eSign and CRM integration |
| Subscription | Monthly | Non-Del - For non-delegated correspondent lenders |
| Subscription | Monthly | Contract Processor - Third-party processing companies |
| Per seat | Monthly | Processor User in Brokerage - Support staff seats |
| Freemium | Pay-as-you-go | Free Trial - 7-day trial for all new accounts |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels8 records
ARIVE product offering
Product offeringCore offering
ARIVE provides a web-based, cloud-native loan origination platform that combines a Loan Origination System (LOS), Borrower Point of Sale (POS), Products & Pricing Engine (PPE), and integrated wholesale lender marketplace into a single browser-accessible platform. The platform enables independent mortgage brokers, non-delegated correspondent lenders, and contract processing companies to manage the entire loan lifecycle from intake to funding without switching between disconnected systems. Subscriptions are sold in tiered plans (Broker Core, Broker Pro, Non-Del, Contract Processor) with optional per-seat processor add-ons.
Product overview
ARIVE is a comprehensive, all-in-one mortgage ecosystem designed specifically for the wholesale channel, combining four core platform components: a Loan Origination System (LOS), a Borrower Point of Sale (POS), a Products & Pricing Engine (PPE), and Lender Integrations. The platform enables mortgage professionals to handle everything from initial borrower contact to final loan closing without switching between disconnected systems. ARIVE offers tiered subscription plans including Broker Core (basic LOS features), Broker Pro (adds eSign, Zapier integration, white-labeling, and automation capabilities), and Non-Del (for non-delegated correspondent lenders with MERS MIN generation and specialized pricing). The platform supports rapid innovation with bi-weekly feature releases and maintains an engaged community of mortgage professionals through live training sessions, webinars, and a Facebook group.
Differentiator
Problem solved
Functional benefit
Products and services
- ARIVE Loan Origination System (LOS) Cloud-based Loan Origination System that streamlines every step of the loan process from intake to funding for independent mortgage brokers, with pipeline management, instant pre-approvals, doc storage, 1-click AUS, disclosures and forms.
- ARIVE Borrower Point of Sale (POS) Branded, mobile-friendly, secure client portal where borrowers apply, upload documents, and stay connected throughout the loan process, with rule-based collection of loan applications and supporting documents.
- ARIVE Products & Pricing Engine (PPE) Real-time lender pricing engine that lets brokers view lender rates, create comparison quotes or fee worksheets, run instant TCAs (Trade Check Analysis), set up rate alerts, and manage margins via an industry-first lender marketplace.
- ARIVE Lender Integrations Marketplace of integrated wholesale lenders enabling brokers to submit loans directly to lender portals and track statuses in real time; supports both fully integrated (live pricing and electronic loan registration) and manual lender management.
- ARIVE Broker Pro Plan Premium subscription tier that adds ARIVE eSign, Zapier CRM integration, LOS whitelabeling, POS theme customization, lead capture forms, document upload links, and automation rules to the Broker Core feature set.
- ARIVE Non-Del Plan Subscription tier for non-delegated correspondent lenders including MERS MIN generation, automatic Non-Del pricing with integrated lenders, support for both Non-Del and broker loans in the same account, customizable automation rules, margin management, DocMagic integration, Call Reports support, and funding/revenue management.
- ARIVE Contract Processor Account Subscription plan priced at $59.99/month (annual discount available) for third-party contract processors; allows access to any loan file from any broker in ARIVE and supports definition of contract processing fees and team access.
- ARIVE Processor User Seat Seat-based processor user added to a brokerage's company account, priced at $24.99, $39.99, or $49.95/month depending on subscription plan with annual subscription discounts available.
Quantifiable outcome
- 50%+ cost savings reported by some brokers by consolidating all systems into one platform
- +1 more outcomes
Companies that use ARIVE
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles3 records
ARIVE technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration43 records
Feature12 records
ARIVE partnerships and signals
Strategic signalPartnerships
51 partnerships are on record, tiered core.
- MortgageOne TPOcoreMortgageOne TPO, a Treasury-certified Community Development Financial Institution (CDFI), integrated with ARIVE's loan origination platform. The integration enables brokers to access MortgageOne TPO's full product set including non-QM, CDFI, down payment assistance, conventional, government, jumbo solutions within the ARIVE ecosystem. MortgageOne TPO also launched Pathway, a new CDFI loan program.
- HomeXpress Mortgage CorpcoreHomeXpress Mortgage Corp, a wholesale lender specializing in non-qualified mortgages and loans for real estate investors, launched on ARIVE's loan origination system. Approximately 33% of HomeXpress's active broker partners already operated on ARIVE.
- Union Wholesale Mortgage (UWM)coreIntegrated wholesale lender with TPO Portal Loan Sync, enabling automated loan submission to UWM's TPO portal.
- Newrez WholesalecoreIntegrated wholesale lender with TPO Portal Loan Sync including manual registrations.
- RocketProcoreIntegrated wholesale lender with automated products and pricing integration.
- Pennymac TPOcoreIntegrated wholesale lender on the ARIVE platform.
- JMAC LendingcoreIntegrated wholesale lender with loan submission to TPO Portal and document submission to TPO Portal.
- Oaktree Funding CorpcoreIntegrated wholesale lender with automated products and pricing.
- First Colony WholesalecoreIntegrated wholesale lender on the ARIVE platform.
- Arc HomecoreIntegrated wholesale lender on the ARIVE platform.
- 11 MortgagecoreIntegrated wholesale lender on the ARIVE platform.
- Towne MortgagecoreIntegrated wholesale lender on the ARIVE platform.
- Union Home MortgagecoreIntegrated wholesale lender on the ARIVE platform.
- Mega Capital FundingcoreIntegrated wholesale lender on the ARIVE platform.
- REMN WholesalecoreIntegrated wholesale lender on the ARIVE platform.
- The Loan StorecoreIntegrated wholesale lender on the ARIVE platform.
- e-LENDcoreIntegrated wholesale lender (formerly AFR) on the ARIVE platform.
- PRMGcoreIntegrated wholesale lender (Paramount Residential Mortgage Group) on the ARIVE platform.
- EPMcoreIntegrated wholesale lender (Equity Prime Mortgage) on the ARIVE platform.
- Windsor MortgagecoreIntegrated wholesale lender on the ARIVE platform.
- Newfi WholesalecoreIntegrated wholesale lender on the ARIVE platform.
- Click n' ClosecoreIntegrated wholesale lender on the ARIVE platform.
- Plaza Home MortgagecoreIntegrated wholesale lender on the ARIVE platform.
- Orion LendingcoreIntegrated wholesale lender on the ARIVE platform.
- Freedom Mortgage WholesalecoreIntegrated wholesale lender on the ARIVE platform.
- Kind LendingcoreIntegrated wholesale lender on the ARIVE platform.
- Gold Star WholesalecoreIntegrated wholesale lender on the ARIVE platform.
- Resi CentralcoreIntegrated wholesale lender on the ARIVE platform.
- Sierra Pacific WholesalecoreIntegrated wholesale lender on the ARIVE platform.
- PowerTPOcoreIntegrated wholesale lender on the ARIVE platform.
- Village Capital & Investment LLCcoreIntegrated wholesale lender on the ARIVE platform.
- GMFS PartnerscoreIntegrated wholesale lender on the ARIVE platform.
- TPO GOcoreIntegrated wholesale lender on the ARIVE platform.
- Nations Direct MortgagecoreIntegrated wholesale lender on the ARIVE platform.
- Forward LendingcoreIntegrated wholesale lender on the ARIVE platform.
- LoanStream MortgagecoreIntegrated wholesale lender on the ARIVE platform.
- Giant LendingcoreIntegrated wholesale lender on the ARIVE platform.
- RISE TPOcoreIntegrated wholesale lender on the ARIVE platform.
- LendingProscoreIntegrated wholesale lender on the ARIVE platform.
- Keystone FundingcoreIntegrated wholesale lender on the ARIVE platform.
- Amazon Web Services (AWS)coreCloud infrastructure provider. ARIVE platform hosted on secure, SOC 2-compliant AWS with private Borrower data encrypted both in transit and at rest with 256-bit encryption.
- Auth0 (Okta)coreSystem of record and ID provider for user authentication services and access control.
- DocMagiccoreDisclosure generation for client customers including application disclosures, changes in circumstance, and closing packages.
- DocuSigncoreE-signature integration for loan documents.
- Fannie MaecoreDesktop Underwriter (DU) integration for automated underwriting system.
- Freddie MaccoreLoan Product Advisor (LPA) integration for automated underwriting system.
- ZapiercoreExternal API provider for third-party CRM integrations at the direction of a user. Available on Broker Pro and Non-Del subscriptions.
- TwiliocoreCommunications platform integrated for SMS tracking and communication.
- Google LLCcoreEmail, shared drives, corporate documentation and retention services.
- FreshdeskcoreSupport chat, tickets, and customer service tracking. Support article library and archive.
- SendGridcoreEmail delivery service for ARIVE communications.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
ARIVE competitors and assessment
Company assessmentDirect peers
- Calyx Software: Long-standing loan origination software provider serving mortgage brokers and lenders with point-of-sale and processing tools. Competes with ARIVE for the same independent broker customer base.
- SimpleNexus (nCino): Borrower-facing mobile mortgage origination platform that integrates with third-party LOS systems. Comparable POS and digital application journey capability for the wholesale broker channel.
- LendingPad: Cloud-based LOS marketed specifically to mortgage brokers and small lenders, with multi-user processing and pricing engine. Most similar profile to ARIVE's Broker Core/Pro tiers.
- Roostify: Digital mortgage platform offering POS, eSign, and lender integrations for retail and wholesale channels. Overlaps with ARIVE's Borrower POS and integration marketplace for lenders.
- Mortgage Cadence: Enterprise-grade digital mortgage origination platform serving retail and wholesale lenders with LOS, POS, and point-of-sale capabilities. Closest functional analog to ARIVE's all-in-one wholesale stack.
- OpenClose: Cloud-based mortgage loan origination platform providing end-to-end processing, POS, and lender pricing for lenders and brokers. Functionally overlapping with ARIVE's LOS and PPE stack.
Emerging players
- Snapdocs: Digital closing and eSign network for mortgage lenders and brokers. Compares to ARIVE's built-in eSign and DocMagic-integrated disclosure workflow, though focused on the closing step.
- Blend: Digital banking and consumer lending platform offering consumer-facing mortgage application journeys. Compares to ARIVE's Borrower POS layer with a retail-lender focus.
- Maxwell (nCimo): Borrower POS and digital mortgage point-of-sale for small-to-mid mortgage lenders and brokers. Closest POS-layer competitor to ARIVE, though lighter on LOS functionality.
Broad incumbents
- ICE Mortgage Technology (Encompass LOS): Industry-dominant loan origination system used by a majority of US mortgage lenders and brokers. Direct competitor on LOS and pricing engine functionality, with broader agency-sponsored enterprise reach than ARIVE.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
ARIVE social profiles
Digital presenceARIVE compliance and trust
Trust signalCompliance4 records
ARIVE financial estimates
Financial estimateRevenue estimate
Valuation estimate
ARIVE leadership team
Management profileNumber of profiles
Profiles1 record
ARIVE subsidiaries and ownership
Company hierarchySubsidiaries1 record
ARIVE funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ARIVE M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ARIVE
What does ARIVE do?
ARIVE provides a web-based, cloud-native loan origination platform that combines a Loan Origination System (LOS), Borrower Point of Sale (POS), Products & Pricing Engine (PPE), and integrated wholesale lender marketplace into a single browser-accessible platform. The platform enables independent mortgage brokers, non-delegated correspondent lenders, and contract processing companies to manage the entire loan lifecycle from intake to funding without switching between disconnected systems. Subscriptions are sold in tiered plans (Broker Core, Broker Pro, Non-Del, Contract Processor) with optional per-seat processor add-ons.
Is ARIVE a public or private company?
ARIVE is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was ARIVE founded?
ARIVE was founded in 2018. It employs 51 to 100 people.
Where is ARIVE based?
ARIVE is headquartered in San Ramon, United States, in the North America region.
How does ARIVE make money?
Two revenue lines are on record. Software Subscriptions are the primary driver. The others are seat-based Licensing.
Who are ARIVE's main competitors?
Direct peers on record are Calyx Software, SimpleNexus (nCino), LendingPad, Roostify, Mortgage Cadence and OpenClose. Emerging players are Snapdocs, Blend and Maxwell (nCimo). ICE Mortgage Technology (Encompass LOS) is listed as a broad incumbent.
Does ARIVE have an API?
No public API is recorded for ARIVE.
What industry is ARIVE in?
ARIVE's product category is Mortgage Loan Origination Software. Its primary akta.pro industry code is FSAGAHAA, Loan Origination Platforms (LOS) & Digital Application Journeys, with a secondary code of FSALALAD, Mortgage Point-of-Sale (POS) & Borrower Intake Portals. Its NAICS code is 5132 and its SIC code is 7370.