Loan origination and lending software · 2026-09.1

LendingPad

When buyers asked AI for a Loan origination and lending software shortlist.

Observed naming

36 of 150 valid answers

36 of 150 valid answers, 24.0% (Wilson 95% interval 17.9% to 31.4%)

Observed answers on stated dates, not a ranking. This is not a judgment of product quality.

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Permanent link to this release · Loan origination and lending software category

By engine and question

Filled marks: named in at least 2 of 3 scheduled repeats. Open marks: below that threshold. Dashed marks: excluded answers leave the threshold uncertain. Counts and intervals follow for each question.

Answer capture date: 2026-09-22.

By engine

ChatGPT

6 of 30 valid answers, 20.0% (Wilson 95% interval 9.5% to 37.3%)

Claude

9 of 30 valid answers, 30.0% (Wilson 95% interval 16.7% to 47.9%)

Perplexity

8 of 30 valid answers, 26.7% (Wilson 95% interval 14.2% to 44.4%)

Google AI Overviews

10 of 30 valid answers, 33.3% (Wilson 95% interval 19.2% to 51.2%)

Google AI Mode

3 of 30 valid answers, 10.0% (Wilson 95% interval 3.5% to 25.6%)

By buyer question

Each count is over valid answers to the exact question. Excluded answers are outside that base.

What is the best loan origination software for a community bank?

0 of 15 valid answers, 0.0% (Wilson 95% interval 0.0% to 20.4%)

Question q1. Excluded answers: 0. Type: best option.

What is the best loan origination software for a credit union?

0 of 15 valid answers, 0.0% (Wilson 95% interval 0.0% to 20.4%)

Question q2. Excluded answers: 0. Type: best option.

What is the best mortgage LOS for a small broker shop?

15 of 15 valid answers, 100.0% (Wilson 95% interval 79.6% to 100.0%)

Question q3. Excluded answers: 0. Type: best option.

What are the best alternatives to Encompass?

12 of 15 valid answers, 80.0% (Wilson 95% interval 54.8% to 93.0%)

Question q4. Excluded answers: 0. Type: alternative.

What are the best alternatives to MeridianLink?

8 of 15 valid answers, 53.3% (Wilson 95% interval 30.1% to 75.2%)

Question q5. Excluded answers: 0. Type: alternative.

What are the best alternatives to nCino?

0 of 15 valid answers, 0.0% (Wilson 95% interval 0.0% to 20.4%)

Question q6. Excluded answers: 0. Type: alternative.

MeridianLink vs nCino: which is better for a community bank?

0 of 15 valid answers, 0.0% (Wilson 95% interval 0.0% to 20.4%)

Question q7. Excluded answers: 0. Type: buyer evaluation.

Encompass vs Blend: which should a mortgage lender choose?

1 of 15 valid answers, 6.7% (Wilson 95% interval 1.2% to 29.8%)

Question q8. Excluded answers: 0. Type: buyer evaluation.

What should I look for when choosing a loan origination system?

0 of 15 valid answers, 0.0% (Wilson 95% interval 0.0% to 20.4%)

Question q9. Excluded answers: 0. Type: buyer evaluation.

Which loan origination platform fits a lender that funds commercial and specialty loans in house?

0 of 15 valid answers, 0.0% (Wilson 95% interval 0.0% to 20.4%)

Question q10. Excluded answers: 0. Type: specific workflow.

Questions with no recorded naming

What is the best loan origination software for a community bank?

LendingPad: 0 of 15 valid answers, 0.0% (Wilson 95% interval 0.0% to 20.4%)

Other checked vendors named in valid answers to this question:

Abrigo: 15 of 15 valid answers, 100.0% (Wilson 95% interval 79.6% to 100.0%)
MeridianLink: 15 of 15 valid answers, 100.0% (Wilson 95% interval 79.6% to 100.0%)
nCino: 15 of 15 valid answers, 100.0% (Wilson 95% interval 79.6% to 100.0%)
Baker Hill: 10 of 15 valid answers, 66.7% (Wilson 95% interval 41.7% to 84.8%)
Jack Henry: 9 of 15 valid answers, 60.0% (Wilson 95% interval 35.7% to 80.2%)
Finastra: 8 of 15 valid answers, 53.3% (Wilson 95% interval 30.1% to 75.2%)
TurnKey Lender: 3 of 15 valid answers, 20.0% (Wilson 95% interval 7.0% to 45.2%)
LoanPro: 2 of 15 valid answers, 13.3% (Wilson 95% interval 3.7% to 37.9%)
Calyx: 1 of 15 valid answers, 6.7% (Wilson 95% interval 1.2% to 29.8%)

What is the best loan origination software for a credit union?

LendingPad: 0 of 15 valid answers, 0.0% (Wilson 95% interval 0.0% to 20.4%)

Other checked vendors named in valid answers to this question:

MeridianLink: 15 of 15 valid answers, 100.0% (Wilson 95% interval 79.6% to 100.0%)
nCino: 12 of 15 valid answers, 80.0% (Wilson 95% interval 54.8% to 93.0%)
Jack Henry: 10 of 15 valid answers, 66.7% (Wilson 95% interval 41.7% to 84.8%)
Origence: 10 of 15 valid answers, 66.7% (Wilson 95% interval 41.7% to 84.8%)
ICE Mortgage Technology: 9 of 15 valid answers, 60.0% (Wilson 95% interval 35.7% to 80.2%)
Abrigo: 8 of 15 valid answers, 53.3% (Wilson 95% interval 30.1% to 75.2%)
LoanPro: 4 of 15 valid answers, 26.7% (Wilson 95% interval 10.9% to 52.0%)
Baker Hill: 2 of 15 valid answers, 13.3% (Wilson 95% interval 3.7% to 37.9%)
Mortgage Cadence: 1 of 15 valid answers, 6.7% (Wilson 95% interval 1.2% to 29.8%)

What are the best alternatives to nCino?

LendingPad: 0 of 15 valid answers, 0.0% (Wilson 95% interval 0.0% to 20.4%)

Other checked vendors named in valid answers to this question:

Abrigo: 15 of 15 valid answers, 100.0% (Wilson 95% interval 79.6% to 100.0%)
Baker Hill: 15 of 15 valid answers, 100.0% (Wilson 95% interval 79.6% to 100.0%)
nCino: 15 of 15 valid answers, 100.0% (Wilson 95% interval 79.6% to 100.0%)
MeridianLink: 11 of 15 valid answers, 73.3% (Wilson 95% interval 48.0% to 89.1%)
Jack Henry: 7 of 15 valid answers, 46.7% (Wilson 95% interval 24.8% to 69.9%)
Finastra: 6 of 15 valid answers, 40.0% (Wilson 95% interval 19.8% to 64.3%)
Temenos: 4 of 15 valid answers, 26.7% (Wilson 95% interval 10.9% to 52.0%)
Blend: 3 of 15 valid answers, 20.0% (Wilson 95% interval 7.0% to 45.2%)
ICE Mortgage Technology: 3 of 15 valid answers, 20.0% (Wilson 95% interval 7.0% to 45.2%)
TurnKey Lender: 3 of 15 valid answers, 20.0% (Wilson 95% interval 7.0% to 45.2%)

MeridianLink vs nCino: which is better for a community bank?

LendingPad: 0 of 15 valid answers, 0.0% (Wilson 95% interval 0.0% to 20.4%)

Other checked vendors named in valid answers to this question:

MeridianLink: 15 of 15 valid answers, 100.0% (Wilson 95% interval 79.6% to 100.0%)
nCino: 15 of 15 valid answers, 100.0% (Wilson 95% interval 79.6% to 100.0%)
Calyx: 2 of 15 valid answers, 13.3% (Wilson 95% interval 3.7% to 37.9%)
Abrigo: 1 of 15 valid answers, 6.7% (Wilson 95% interval 1.2% to 29.8%)
Baker Hill: 1 of 15 valid answers, 6.7% (Wilson 95% interval 1.2% to 29.8%)
Finastra: 1 of 15 valid answers, 6.7% (Wilson 95% interval 1.2% to 29.8%)
ICE Mortgage Technology: 1 of 15 valid answers, 6.7% (Wilson 95% interval 1.2% to 29.8%)
Jack Henry: 1 of 15 valid answers, 6.7% (Wilson 95% interval 1.2% to 29.8%)

What should I look for when choosing a loan origination system?

LendingPad: 0 of 15 valid answers, 0.0% (Wilson 95% interval 0.0% to 20.4%)

Other checked vendors named in valid answers to this question:

MeridianLink: 3 of 15 valid answers, 20.0% (Wilson 95% interval 7.0% to 45.2%)
nCino: 3 of 15 valid answers, 20.0% (Wilson 95% interval 7.0% to 45.2%)
Blend: 1 of 15 valid answers, 6.7% (Wilson 95% interval 1.2% to 29.8%)
Calyx: 1 of 15 valid answers, 6.7% (Wilson 95% interval 1.2% to 29.8%)
ICE Mortgage Technology: 1 of 15 valid answers, 6.7% (Wilson 95% interval 1.2% to 29.8%)
LoanPro: 1 of 15 valid answers, 6.7% (Wilson 95% interval 1.2% to 29.8%)
TurnKey Lender: 1 of 15 valid answers, 6.7% (Wilson 95% interval 1.2% to 29.8%)

Which loan origination platform fits a lender that funds commercial and specialty loans in house?

LendingPad: 0 of 15 valid answers, 0.0% (Wilson 95% interval 0.0% to 20.4%)

Other checked vendors named in valid answers to this question:

nCino: 9 of 15 valid answers, 60.0% (Wilson 95% interval 35.7% to 80.2%)
LoanPro: 6 of 15 valid answers, 40.0% (Wilson 95% interval 19.8% to 64.3%)
TurnKey Lender: 6 of 15 valid answers, 40.0% (Wilson 95% interval 19.8% to 64.3%)
LendingWise: 5 of 15 valid answers, 33.3% (Wilson 95% interval 15.2% to 58.3%)
Finastra: 3 of 15 valid answers, 20.0% (Wilson 95% interval 7.0% to 45.2%)
Nortridge: 3 of 15 valid answers, 20.0% (Wilson 95% interval 7.0% to 45.2%)
Abrigo: 1 of 15 valid answers, 6.7% (Wilson 95% interval 1.2% to 29.8%)
Baker Hill: 1 of 15 valid answers, 6.7% (Wilson 95% interval 1.2% to 29.8%)
Vergent LMS: 1 of 15 valid answers, 6.7% (Wilson 95% interval 1.2% to 29.8%)

Vendor domain citations

6 of 150 valid answers, 4.0% (Wilson 95% interval 1.8% to 8.5%)

lendingpad.com

The full Loan origination and lending software checked set

Full checked set, sorted by observed counts, not a ranking.
Vendor	Named	Vendor domain cited
nCino	92 of 150 valid answers, 61.3% (Wilson 95% interval 53.3% to 68.8%)	29 of 150 valid answers, 19.3% (Wilson 95% interval 13.8% to 26.4%)
MeridianLink	81 of 150 valid answers, 54.0% (Wilson 95% interval 46.0% to 61.8%)	25 of 150 valid answers, 16.7% (Wilson 95% interval 11.6% to 23.4%)
ICE Mortgage Technology	62 of 150 valid answers, 41.3% (Wilson 95% interval 33.8% to 49.3%)	4 of 150 valid answers, 2.7% (Wilson 95% interval 1.0% to 6.7%)
Abrigo	50 of 150 valid answers, 33.3% (Wilson 95% interval 26.3% to 41.2%)	18 of 150 valid answers, 12.0% (Wilson 95% interval 7.7% to 18.2%)
Baker Hill	36 of 150 valid answers, 24.0% (Wilson 95% interval 17.9% to 31.4%)	7 of 150 valid answers, 4.7% (Wilson 95% interval 2.3% to 9.3%)
LendingPad	36 of 150 valid answers, 24.0% (Wilson 95% interval 17.9% to 31.4%)	6 of 150 valid answers, 4.0% (Wilson 95% interval 1.8% to 8.5%)
Calyx	31 of 150 valid answers, 20.7% (Wilson 95% interval 15.0% to 27.8%)	3 of 150 valid answers, 2.0% (Wilson 95% interval 0.7% to 5.7%)
Jack Henry	27 of 150 valid answers, 18.0% (Wilson 95% interval 12.7% to 24.9%)	3 of 150 valid answers, 2.0% (Wilson 95% interval 0.7% to 5.7%)
Finastra	23 of 150 valid answers, 15.3% (Wilson 95% interval 10.4% to 22.0%)	5 of 150 valid answers, 3.3% (Wilson 95% interval 1.4% to 7.6%)
Blend	22 of 150 valid answers, 14.7% (Wilson 95% interval 9.9% to 21.2%)	15 of 150 valid answers, 10.0% (Wilson 95% interval 6.2% to 15.8%)
LoanPro	19 of 150 valid answers, 12.7% (Wilson 95% interval 8.3% to 18.9%)	15 of 150 valid answers, 10.0% (Wilson 95% interval 6.2% to 15.8%)
TurnKey Lender	19 of 150 valid answers, 12.7% (Wilson 95% interval 8.3% to 18.9%)	0 of 150 valid answers, 0.0% (Wilson 95% interval 0.0% to 2.5%)
Origence	14 of 150 valid answers, 9.3% (Wilson 95% interval 5.6% to 15.1%)	10 of 150 valid answers, 6.7% (Wilson 95% interval 3.7% to 11.8%)
LendingWise	13 of 150 valid answers, 8.7% (Wilson 95% interval 5.1% to 14.3%)	5 of 150 valid answers, 3.3% (Wilson 95% interval 1.4% to 7.6%)
Mortgage Cadence	11 of 150 valid answers, 7.3% (Wilson 95% interval 4.1% to 12.7%)	1 of 150 valid answers, 0.7% (Wilson 95% interval 0.1% to 3.7%)
Temenos	7 of 150 valid answers, 4.7% (Wilson 95% interval 2.3% to 9.3%)	3 of 150 valid answers, 2.0% (Wilson 95% interval 0.7% to 5.7%)
Byte Software	6 of 150 valid answers, 4.0% (Wilson 95% interval 1.8% to 8.5%)	3 of 150 valid answers, 2.0% (Wilson 95% interval 0.7% to 5.7%)
The Mortgage Office	4 of 150 valid answers, 2.7% (Wilson 95% interval 1.0% to 6.7%)	0 of 150 valid answers, 0.0% (Wilson 95% interval 0.0% to 2.5%)
Nortridge	3 of 150 valid answers, 2.0% (Wilson 95% interval 0.7% to 5.7%)	0 of 150 valid answers, 0.0% (Wilson 95% interval 0.0% to 2.5%)
Floify	2 of 150 valid answers, 1.3% (Wilson 95% interval 0.4% to 4.7%)	0 of 150 valid answers, 0.0% (Wilson 95% interval 0.0% to 2.5%)
Vergent LMS	1 of 150 valid answers, 0.7% (Wilson 95% interval 0.1% to 3.7%)	1 of 150 valid answers, 0.7% (Wilson 95% interval 0.1% to 3.7%)
defi SOLUTIONS	0 of 150 valid answers, 0.0% (Wilson 95% interval 0.0% to 2.5%)	0 of 150 valid answers, 0.0% (Wilson 95% interval 0.0% to 2.5%)
FICS	0 of 150 valid answers, 0.0% (Wilson 95% interval 0.0% to 2.5%)	0 of 150 valid answers, 0.0% (Wilson 95% interval 0.0% to 2.5%)
MortgageFlex	0 of 150 valid answers, 0.0% (Wilson 95% interval 0.0% to 2.5%)	0 of 150 valid answers, 0.0% (Wilson 95% interval 0.0% to 2.5%)
Sync1 Systems	0 of 150 valid answers, 0.0% (Wilson 95% interval 0.0% to 2.5%)	0 of 150 valid answers, 0.0% (Wilson 95% interval 0.0% to 2.5%)

Release and method

Release: 2026-09, version 2026-09.1
Published: 2026-09-23
Answer capture date: 2026-09-22
Source capture dates: 2026-09-21
Engines: ChatGPT, Claude, Perplexity, Google AI Overviews, Google AI Mode
Configuration: 10 fixed target questions, 5 engines, 3 repeats. No controls were run for this category.
Method version: v1.1
Excluded answers: 0 target answers excluded; exact reasons are listed. No controls were run for this category.
Commissioned engagement: No commissioned engagement is declared for this category.

Exact names and listed aliases are matched without case sensitivity at word boundaries. Plain word names require a listed qualifier nearby in the same sentence or the canonical domain among cited URLs. A vendor citation counts only when that answer also names the vendor under this rule.

Verbatim answer text is retained privately with the measurement input and import audit. No answer quotations are published here.

Download and cite

Release JSON · Category CSV · DOI 10.5281/zenodo.22907695

How to cite: Broadcastwell. The Absence Index, Loan origination and lending software, version 2026-09.1. Permanent record. CC BY 4.0 with attribution to Broadcastwell.

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Observed answers on stated dates, not a ranking. This is not a judgment of product quality.

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