Best private lending software
A fair, fact-checked guide for private lenders, MIC funds, and brokerages evaluating their next platform. We rank by what actually matters in production — not feature checklists.
Last reviewed June 2026. Send fact-check feedback to [email protected].
What to actually look for
The category is crowded. These are the questions we'd ask before making a decision — independent of whether you pick Mortgage360.
AI is no longer optional
Borrower intake, agent productivity, compliance review, and capital-markets analysis all benefit measurably from AI agents. Platforms without native AI fall behind in 12-24 months.
CRM + LOS on one chassis
Re-keying data between a CRM and an origination system loses deals, breaks audit trails, and exhausts agents. The CRM should live with the deals.
Investor portal is table stakes
LPs and unitholders expect live holdings, IRR/TVPI metrics, tax docs delivered on day 1 of the new year, and watermarked data rooms. Static PDFs don't scale.
Canada + US on one platform
If any part of your business touches either jurisdiction, run on a platform that supports both. Maintaining parallel systems is a tax on every workflow.
Filogix integration depth
In Canada, Filogix Exchange is the standard. Read-only integration is not enough — bi-directional sync is the floor for any team running on it.
Audit + regulatory readiness
FSRA / MBLAA / FINTRAC in Canada, TRID / RESPA in the US — the platform should make audit response a click, not a project.
Platforms worth considering
- 1.
Mortgage360
AI-native private lending platform — origination, LMS, investor portal, compliance, and the four AI agents (Harvey) on one chassis. Canada + US.
Best for: Modern teams that want CRM + LOS + AI + investor portal under one roof
- 2.
Mortgage Automator
See comparisonEstablished Canadian private-lending platform with deep workflow heritage. CRM and AI are typically not native; add-ons may be needed.
Best for: Canadian private lenders comfortable adding a separate CRM
- 3.
Dolphin
See comparisonLong-running Canadian MIC platform with a large customer base. Modern UX, AI agents, and engaging investor portal are not the core focus.
Best for: Canadian MICs prioritizing established workflow over modern UX
- 4.
LendingWise
See comparisonStrong CRM + marketing automation layer. LOS depth, servicing, and MIC management are typically lighter.
Best for: Teams whose primary need is CRM + marketing rather than deep LOS
- 5.
Lendr
See comparisonModern US-focused private lending platform. Canada-native frameworks and Filogix integration are outside its core.
Best for: US-only private lenders without near-term Canadian expansion
- 6.
Baseline
See comparisonModern US-focused private lending platform. Canadian regulatory frameworks and Filogix are outside scope.
Best for: US-only private lenders
- 7.
Long-established lending platform with comprehensive feature set. AI-native features and modern UX patterns reflect the era of the original build.
Best for: Established lenders that already run on TMO and want incremental improvements
Category-wide capability matrix
A 20-minute Mortgage360 demo
See how Mortgage360 handles your exact use case. No prep needed. No follow-up unless you want one.