Cloudvirga
Cloudvirga is a leading provider of digital point-of-sale platforms designed to engage borrowers and increase lending efficiency. Its modular solutions help lenders streamline the loan process, improve accuracy, and scale operations without sacrificing the human touch. Cloudvirga is a subsidiary of Stewart Information Services Corporation (NYSE: STC), a customer-focused, global title insurance and real estate services company.
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OUR MISSION
At Cloudvirga, we’re mortgage people just like you. We are passionate about bringing tomorrow’s technology to today’s mortgage industry. Our mission is to empower our customers to close loans faster and at a lower overall cost while building stronger relationships between borrowers and loan originators.
OUR SOLUTIONS
Cloudvirga serves forward-thinking independent mortgage banks (IMBs), credit unions, community banks, and wholesale lenders across the United States with a range of practical, feature-rich mortgage point-of-sale (POS) solutions:
- Horizon is a retail and consumer-direct POS designed to empower both borrowers and loan officers. It streamlines the loan process with dynamic workflows, instant eligibility checks, customizable branding, and automated fee and disclosure tools that result in faster closings, higher borrower satisfaction, and stronger lender relationships
- Horizon Wholesale is a purpose-built wholesale lending portal that puts brokers in control. Featuring an intuitive pipeline dashboard, real-time lender and third-party fee access, one-click initial disclosures, and instant loan comparison tools, Horizon Wholesale delivers clarity, efficiency, and transparency throughout the broker experience.
- Tropos is more than a digital POS; it’s a customer-first loan portal that unifies the borrower and member experience across loan types and channels. With modular infrastructure and advanced AI-powered personalization, Tropos enables lenders to build lasting digital relationships by giving borrowers real-time control, tailored journeys, and seamless transitions from origination through payoff.
All three solutions are designed to work within a lender’s existing ecosystem—no heavy lift, no major tech overhaul.
HOW CLOUDVIRGA HELPS
Problem:
Lenders face slow closings, fragmented tech stacks, compliance challenges, and rising origination costs. Their existing POS solutions are often bloated, difficult to implement, and not tailored to their unique needs.
Solution:
Cloudvirga delivers lightweight, borrower-first POS solutions that integrate directly with Encompass, eliminate manual data entry, and automate key workflows—without requiring a major tech overhaul. Lenders can deploy our solutions in under 30 days with minimal disruption.
Results:
- Cuts loan closing times by up to 15%
- Reduces origination costs by up to 30%
- Delivers borrower satisfaction scores averaging 8.8/10 across clients
- Cut loan origination costs by up to 30% compared to other POS platforms
- Increased POS-driven borrower engagement by 25% with real-time updates and alerts
KEY DIFFERENTIATORS
- Modular and Configurable: Adopt only the functionality you need. Cloudvirga’s solutions scale and evolve as your business grows, without major tech overhauls.
- Unified Borrower Experience: Deliver a consistent, intuitive, and branded experience across all loan types and engagement channels
- Human + Digital Harmony: All solutions are built to support both self-service and human guidance—meeting borrowers where they are
- Analytics-Powered Performance: Advanced reporting tools drive smarter decisions, better engagement, and higher conversion rates
Maximize your customer experience and originator efficiency today!
See how Cloudvirga can help you modernize your origination process and close loans faster. Learn more or request a personalized demo.
Highlights
- Seamless API Integration: Open API infrastructure allows frictionless integration with your existing technology stack
- Out-of-the-Box Customizations: Easily configure data inputs to support any product or non-traditional workflow
- Operational Expertise: Practical solutions designed by people who have done the job
- Flexible Pricing & Fast Setup: Get live in under 30 days with no rigid contracts
- Enterprise-Backed Stability: Backed by Stewart Title, ensuring compliance and security
Details
Vendor Category
Point of Sale Systems
Pricing Model
Subscription-Based Pricing
Works well with
Overview
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Product comparison
Cloudvirga
Floify
Tidalwave
Overview
Cloudvirga is a leading provider of digital point-of-sale platforms designed to engage borrowers and increase lending efficiency. Its modular solutions help lenders streamline the loan process, improve accuracy, and scale operations without sacrificing the human touch. Cloudvirga is a subsidiary of Stewart Information Services Corporation (NYSE: STC), a customer-focused, global title insurance and real estate services company.
Where flexibility meets intelligence. Floify’s mortgage POS is dynamic by design and trusted by lenders everywhere.
The Only Agentic AI Mortgage POS+
Highlights
- Seamless API Integration: Open API infrastructure allows frictionless integration with your existing technology stack
- Out-of-the-Box Customizations: Easily configure data inputs to support any product or non-traditional workflow
- Operational Expertise: Practical solutions designed by people who have done the job
- Flexible Pricing & Fast Setup: Get live in under 30 days with no rigid contracts
- Enterprise-Backed Stability: Backed by Stewart Title, ensuring compliance and security
- Increase Profitability – Tackle margin compression head-on with automation that reduces manual work, improves accuracy, and drives efficiency across every loan file.
- Enhance the Borrower Experience – Deliver a seamless, digital-first journey with simplified applications, faster approvals, and transparent communication from start to close.
- Attract & Retain Top Talent – Empower elite loan originators with a powerful, flexible POS that adapts to their workflows—boosting productivity and satisfaction.
- Differentiate Your Brand – Stand out in the crowded mortgage market with a modern, configurable platform that delivers a superior borrower and lender experience.
- Simplify Compliance – Navigate complex regulations confidently with Floify’s secure, governed environment designed for peace of mind and data integrity.
- Dynamic Apps – A no-code solution that lets lenders customize loan applications, streamline workflows, and eliminate workarounds—no developers required.
- Dynamic AI – Embedded intelligence that automates document classification and instantly verifies borrower identity, income, and assets, cutting time-to-file and boosting pull-through.
- Award-Winning Support – Backed by an expert team recognized for best-in-class service, Floify partners with lenders every step of the way to ensure success.
- Tidalwave delivers instant answers for borrowers: Through direct integrations with Fannie Mae and Freddie Mac, Tidalwave enables loan officers to give borrowers real-time pre-approvals instead of making them wait weeks.
- Tidalwave eliminates paperwork chasing: By connecting with Plaid, Argyle, and Truv, Tidalwave instantly handles income, employment, and asset checks—freeing loan officers from manual, time-consuming tasks so they can focus on closing loans.
- Tidalwave integrates seamlessly into lender systems: It works with ICE Mortgage Technology to extend automation into compliance checks, document management, and borrower communications—supporting multilingual journeys without extra work for staff.
- Tidalwave cuts lender costs and boosts margins: Freddie Mac reports that loan origination costs have jumped 35% ($3,000 more per loan) and the average lender now loses ~$600 per loan. By automating up to 70% of manual work, Tidalwave reduces costs by $1,500+ per loan and turns costly bottlenecks into profit opportunities.
- Tidalwave broadens access to more borrowers: With built-in Spanish-language support, Tidalwave helps loan officers serve the 23% of Hispanic borrowers who face language barriers—without the need for translators.
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