Cloudvirga review
Cloudvirga is a Mortgage Point of Sale product from Stewart Information Services. MortgageTechReview scores Cloudvirga 4.1 out of 5.0, ranking Cloudvirga #6 of the 22 products tracked in Mortgage Point of Sale Software, as of August 11, 2026. Scores on MortgageTechReview are weighted across five axes and are never paid for or influenced by a vendor relationship.
Enterprise POS owned by Stewart, the title and settlement services company. Distinctly loan-officer-centric. It gives LOs tools to quote, price and pre-underwrite a deal, while the borrower gets a guided digital interface. Sold in both Mobile POS and Enterprise POS configurations.
How Cloudvirga compares to Blend
Ranked first in POSBlend currently scores highest in POS, so every other product in the category is compared against it here. That is a ranking on our published rubric rather than a recommendation, and it changes when the scores change. Category Leader
| Axis | Cloudvirga | Blend |
|---|---|---|
| Production impact | 4.3 | 5.0 |
| Functionality & depth | 4.4 | 5.0 |
| Integrations & ecosystem | 3.6 | 4.7 |
| Adoption & support | 3.9 | 4.3 |
| Return on spend | 4.3 | 3.7 |
| Overall | 4.1 | 4.7 |
Cloudvirga wins 1 of 5 axes against Blend, on the weight profile published for this category. Full head-to-head →
Where it wins
- The strongest LO-facing tooling in this group. Most POS products tune for the borrower and treat the LO as an administrator, and this one does not.
- Automates operations work traditionally done by humans, which is where the cost per loan actually sits.
- Solid integration footprint including Optimal Blue, Encompass, and Docutech, plus a recent integration built on ICE's current API framework.
- Handles disclosures, e-signature, appraisal ordering, and task tracking rather than stopping at intake.
Where it falls short
- Stewart is a title company. Owning the point of sale gives it visibility into transactions upstream of title selection. Think that through if you have your own title arrangements or joint ventures.
- Built for high-volume operations. Smaller lenders will find it heavy.
- No published pricing.
- Very little independent review data relative to Floify or Blend.
Why it scores 4.1
Scored on the Point of Sale weight profile. The number shows where it sits in this category. It rests on evidence anyone can check, including the vendor's own record. The weights →
Production impact
35% of scoreThe premise is compressing a 36-day process to a handful of days by automating steps traditionally handled by people after submission. That is the right target: it moves capacity, not just conversion, and cost per loan sits in exactly that operations work. Loan officers get quoting, pricing and pre-underwriting in the same tool, so decisions happen at the point of contact. The evidence is entirely vendor-supplied and some of it is years old, which is what holds this back.
Functionality and depth
15% of scoreTwo products carry the line. Horizon faces the borrower with a guided digital interface. Loan Hub gives the loan team pipeline, tasks and borrower communication, and it is the strongest loan-officer tooling in this group; most point-of-sale products treat the LO as an administrator. It handles disclosures, e-signature, appraisal ordering and task tracking rather than stopping at intake. There is no public evidence of home equity or TPO coverage, and none of deposits either.
Integrations and ecosystem
20% of scoreThis is the weakest part of the public record. Optimal Blue, Encompass and Docutech are named, plus a recent integration built on ICE’s current API framework. But the October 2025 announcement pairs Horizon with Stewart Valuation Intelligence, a same-parent connection rather than proof of open reach. Stewart is a title company, and owning the point of sale gives it visibility upstream of title selection. Think that through if you have your own title arrangements or joint ventures. On connections it sits in the middle of the category.
Adoption and support
20% of scoreWhat the daily users get is the strong part. The loan-officer tooling is the best in this group, where most point-of-sale products treat the LO as an administrator, and under Stewart the product has kept shipping. The gap is outside evidence. Independent buyer commentary barely exists, positive or negative, and for a product that once carried a high profile that silence is itself informative. Make reference calls with current lenders a condition of the deal; they matter more here than with better-documented competitors.
Return on spend
10% of scoreThe return comes out of fulfillment headcount, the largest controllable cost in origination and a stronger value theory than borrower-experience arguments. Loan officers pre-underwriting their own deals cuts work that would otherwise land on operations. No pricing is published and no independent outcome data exists, so you size this from your own headcount rather than from a reference. For a high-volume lender the arithmetic still comes out well ahead.
On price. Not published. The site cites an industry-average fulfillment cost of 2,600 dollars per loan. It discloses nothing about its own charges. Expect quote-only enterprise terms. Ask specifically whether pricing shifts when title or valuation work routes to Stewart-owned businesses.
