Blend vs Cloudvirga

Two owners, two very different balance sheets

Blend trades publicly and reports every quarter. It booked $33.8 million in Q2 2026, up 7 percent. GAAP operating loss was $1.6 million. Non-GAAP operating income was $7.0 million.

Blend guided Q3 revenue to $31.5 million to $33.5 million, a sequential step down. Cloudvirga has been a wholly owned Stewart Information Services subsidiary since May 2021. Stewart did not disclose the price. Cloudvirga had raised more than $77 million before that sale. Stewart does not break out Cloudvirga revenue in its reporting.

Encompass on one side, Encompass plus three on the other

Cloudvirga’s partner page names one loan origination system, and that is Encompass. In March 2025 it completed an enhanced Encompass integration through Encompass Partner Connect. Blend’s directory names Byte, Calyx Point and Dark Matter Empower. Blend also ships a direct Encompass package announced in March 2025. That package carries its own disclosures and drops the Encompass SDK dependency.

MeridianLink appears on neither vendor’s public integration pages. Lenders on MeridianLink or LendingPad need a written answer from both. Cloudvirga’s product page names Mobile POS and Enterprise POS. Its own March 2025 release names Horizon Retail POS instead.

What a title parent means at the closing table

Stewart is a title and settlement business. It said Cloudvirga would connect with remote online notarization, a notary network and valuation services. That helps if you already send Stewart your title orders. It is a question to press if you do not.

Ask Cloudvirga whether any Stewart service is defaulted, bundled or discounted inside the borrower workflow. Ask how fee quotes and title ordering behave with a competing provider. Blend has no title affiliate, which removes that question entirely.

Neither vendor prints a price

Blend runs no pricing page. G2 lists five Blend editions, and each one routes buyers to sales. Cloudvirga publishes no pricing at all, on its site or on any directory. Neither will give you a number without a call.

Ask both for cost per funded loan at your volume. Ask for the annual minimum, implementation fee, term length and renewal notice period. Get all of it in the order form before signature.

Uptime evidence exists on one side

Blend runs a public status page covering nine components. It publishes no uptime percentage, so buyers cannot check a service level against it. A third party monitor logged 181 Blend outages since February 2022. That includes 5 hours 25 minutes down on 31 July 2026.

Cloudvirga publishes no status page, and its status subdomain does not resolve. No monitoring service tracks it. That leaves a buyer with no incident history to read. Ask Cloudvirga for 24 months of logged incidents in writing.

Numbers without a method on both sides

Blend states 16 hours saved per loan and 33 percent loan volume growth. It also states go-live in as fast as four weeks. No sample or baseline is published anywhere.

Cloudvirga states processing dropping from 36 days to a few days. It states fulfillment cost below an industry average of $2,600 per loan. No sample, period or baseline sits behind either figure. All of these are vendor stated and unverified.

What the review sites cannot tell you here

Blend Mortgage Suite carries 4.1 out of 5 on G2 from seven reviews. Cloudvirga Enterprise POS carries 5.0 from a single review. Eight reviews decide nothing at this price point. Reference calls will tell you far more than either score. Ask each for three reference lenders on your LOS and at your volume.

Which one to pick

A bank or credit union running deposits, consumer loans and mortgage should shortlist Blend. Its consumer banking revenue funds work that a mortgage-focused vendor cannot match. A retail lender already deep in Encompass, and comfortable with a title parent, should shortlist Cloudvirga.

Ask Blend what uptime it will commit to contractually and what credit applies on a miss. Ask Cloudvirga which product name is current, Enterprise POS or Horizon Retail POS, and why the site disagrees.

Also in this category

Also in this category: BeSmartee vs Cloudvirga and Blend vs BeSmartee.