Lender

What Lender does

Lender Software Solutions, LLC, operating as Lender, is a US-based private SaaS company founded in 2019 that sells a unified mortgage experience platform to financial institutions and mortgage brokerages. The platform consolidates four traditionally separate functions — Loan Origination System (LOS), Point of Sale (POS), Customer Relationship Management (CRM), and partner portals — into a single cloud-based system, with additional modules including the Realtor Portal, Advisor Portal, and TPO (Third-Party Origination) Portal. Underlying technical components include the proprietary Lender Expression Engine for rule-based workflow automation, built-in compliance automation, OCR and machine-learning-based document collection and verification, AI-powered underwriting that delivers approvals and task assignments in seconds, and a native Google Tag Manager integration for analytics tracking across Purchase, Refinance, and HELOC flows. The company is SOC 2 Type II certified and operates a dedicated Trust Center to address enterprise security requirements.

The platform is sold via a direct enterprise field-sales motion with demo-driven CTAs and quote-based pricing, targeting four buyer segments: Banks, Credit Unions, Independent Mortgage Banks (IMBs), and Mortgage Brokers. Disclosed customers — Interfist Mortgage, Cambridge Lending, UnrealFi Solutions, and Zero Mortgage — skew toward mid-market and SMB mortgage brokerages. Lender reports platform-scale metrics of $70B+ in cumulative loan volume managed, 90% automated processing, 70% cost reduction versus manual operations, 3x higher borrower completion rates, and 50% faster closing times. Marketing relies on vertical-specific content (blog), SEO, and demo requests; there is no paid acquisition, partner/reseller channel, or self-serve distribution in evidence.

The company is registered in Illinois (Glencoe, IL headquarters; Chicago listed as a secondary location), employs 11–50 people, serves a US-only market per its Terms of Use, and has no publicly disclosed funding rounds, parent company, acquisitions, partnerships, executive team bios, or revenue figures. This combination — bootstrapped or unfunded private company with a multi-product platform, a regulated-industry certification, and mid-market traction — places Lender as an early-stage but commercially active mortgage technology vendor whose financial trajectory and ownership structure cannot be verified from public sources.

Name

Lender

Legal name

Lender Software Solutions, LLC

Website

https://lender.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Lender (Lender Software Solutions, LLC) is a US-based private SaaS company that sells a unified mortgage experience platform integrating LOS, POS, CRM, and partner portals to banks, credit unions, independent mortgage banks, and mortgage brokers, with built-in compliance and AI-powered underwriting.

Ownership category

akta.pro rank

Product category

Mortgage Origination Software

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Mortgage Point-of-Sale (POS) & Borrower Intake Portals (FSALALAD)

akta.pro secondary industries

SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM), Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)

Keywords

• Mortgage origination software
• Loan origination system
• Point of sale platform
• Mortgage CRM software
• Digital mortgage platform

Headquarters

HQ city

Chicago

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. SaaS Platform Subscription: Lender operates as a B2B SaaS company providing mortgage technology software to financial institutions. The platform is delivered as a subscription service to banks, credit unions, independent mortgage banks, and mortgage brokers. Pricing is quote-based, indicating a tiered enterprise subscription model tailored to institution size and feature requirements.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Lender sells a unified, cloud-based mortgage experience platform as a B2B SaaS subscription to banks, credit unions, independent mortgage banks, and mortgage brokers. The platform combines a Loan Origination System (LOS), Point of Sale (POS), CRM, and dedicated partner portals (Realtor Portal, Advisor Portal, TPO Portal) into a single AI-driven system that automates underwriting, compliance, document verification, and workflows for Purchase, Refinance, and HELOC loan flows. Pricing is quote-based with annual billing and SOC 2 Type II compliance.

Product overview

Lender offers a unified, intelligent mortgage experience platform that integrates Loan Origination (LOS), Point of Sale (POS), CRM, and partner portals into one cohesive system. The core platform combines POS (borrower-facing application experience) and LOS (end-to-end loan origination system), with add-on modules including the Realtor Portal (for real estate professionals to track loan progress), Advisor Portal (for financial advisors to assist clients with mortgage programs), TPO Portal (for Third-Party Origination operations), and a CRM for lead and relationship management. Additional features include the Lender Expression Engine for workflow automation rules. The platform is designed for banks, credit unions, mortgage brokers, and independent mortgage banks, offering AI-driven automation, built-in compliance, and customizable workflows.

Differentiator

Problem solved

Functional benefit

Products and services

• Point of Sale (POS) A borrower-first application experience that automates pre-approvals, pricing, and document collection, supporting Purchase, Refinance, and HELOC loan flows with real-time rate comparisons and instant updates. Built for banks, credit unions, independent mortgage banks, and mortgage brokerages.
• Loan Origination System (LOS) An end-to-end loan origination system that eliminates redundant workflows, automates compliance, and integrates with lenders' existing tech stacks, managing the full loan lifecycle from application through closing.
• Realtor Portal A dedicated portal for real estate agents to track loan progress, generate pre-approval letters, and submit borrower documents, with real-time loan status updates and seamless collaboration with loan officers.
• Advisor Portal A portal that empowers financial advisors to assist clients in finding the right mortgage program, pricing loans, and monitoring loan status within a single system.
• TPO Portal A scalable, end-to-end Third-Party Origination (TPO) portal designed for Mortgage Banks to streamline and scale TPO workflows as a fully integrated component of the Lender platform.
• CRM A customer relationship management module that centralizes borrower and partner interactions, automates follow-ups, enhances pipeline visibility, and helps lenders convert more leads.
• Lender Expression Engine A proprietary rule engine that drives workflow automation and decision-making across the platform, supporting boolean statements, complex expressions, iteration, list/array operations, and date/time functions with Excel/Google Sheets-like syntax and a visual builder.

Quantifiable outcome

• 3x higher borrower completion rates
• +4 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability3 records

Feature12 records

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• ICE Mortgage Technology: ICE Mortgage Technology (formerly Ellie Mae / Encompass) is the dominant U.S. mortgage LOS platform and the primary incumbent Lender must displace. It overlaps directly on LOS/POS functionality for the same bank, credit union, IMB, and broker customer base, but operates at vastly larger scale with bundled secondary and servicing tech.
• nCino: nCino is a cloud-based bank and credit-union operating system that includes mortgage origination after its acquisitions of SimpleNexus and MaxWell. It overlaps with Lender's bank and credit-union segments but addresses a much broader set of lending and deposit workflows beyond mortgage.
• Finastra: Finastra is a large financial software provider offering mortgage, retail, and corporate banking solutions, including LOS and origination tooling. It overlaps with Lender in the bank and credit-union mortgage segments, but as part of a much wider banking-software portfolio.

Direct peers

• Blend: Blend is a digital mortgage platform offering a POS-plus-LOS stack for banks, credit unions, and non-bank lenders. It competes head-to-head with Lender on the unified-platform thesis and the same bank/CU buyer profile, though Blend is significantly larger and more broadly diversified across consumer lending products.
• Roostify: Roostify provides a digital mortgage POS and origination platform sold primarily to banks and mortgage lenders. It directly overlaps Lender's POS + LOS offering and the same target buyer segments, with a comparable enterprise-sales GTM motion.
• Mortgage Cadence: Mortgage Cadence (an Accenture subsidiary) offers an enterprise LOS and digital mortgage platform to large banks and credit unions. It competes on the same end-to-end origination thesis Lender targets, with strong enterprise-FI presence but a heavier, more customized deployment model.
• SimpleNexus: SimpleNexus (now part of nCino) provides a mobile-first POS and mortgage collaboration platform for loan officers, real estate agents, and borrowers. It competes directly with Lender's POS + Realtor Portal combination and shares a similar mid-market IMB and bank target audience.
• Maxwell: Maxwell (acquired by nCino) provides a digital mortgage POS and origination platform targeted at community banks, credit unions, and IMBs. It overlaps closely with Lender's POS + LOS story and shares the same community-FI buyer profile.
• Mortgage Automator: Mortgage Automator is a cloud LOS/CRM platform focused on mortgage brokerages and small lenders in the U.S. and Canada. It competes most directly with Lender in the broker and small IMB segments, with comparable workflow-automation positioning.
• LendingPad: LendingPad is a browser-based LOS and mortgage ERP platform widely used by mortgage brokers and IMBs. It competes with Lender for the same broker and mid-market IMB customers and overlaps on workflow automation and document handling.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Lender