OpenLOSCompare
OpenLOS next to the broker systems you know
An honest look at where OpenLOS fits beside ARIVE, Rocket Pro's Jupiter, UWM's Sphere, and LendingPad: what each costs, who's behind it, and what OpenLOS doesn't do yet. Prices and facts are as reported in October 2026, with sources; check each vendor for current terms.
| OpenLOS | ARIVE | Jupiter (Rocket Pro) | Sphere | LendingPad | |
|---|---|---|---|---|---|
| Price to the broker | Free (open source); you pay your host, about $18/month on Render | $49.99–$99.95 per originator seat per month; support staff seats less1 | Free to Rocket Pro broker partners2 | Free for UWM partners through Feb 12, 20273 | Not published; third-party estimates vary4 |
| Who's behind it | Independent open-source project; no company; takes no money from lenders | Independent vendor; lenders pay to participate in its marketplace5 | A wholesale lender (Rocket Pro) | Offered free through a wholesale lender (UWM) | Independent vendor |
| Where your data lives | Your own copy: your server, database, and encryption key | Vendor cloud | Vendor cloud | Vendor cloud | Vendor cloud |
| Source code | Open (AGPL-3.0); anyone can inspect, change, or continue it | Closed | Closed | Closed | Closed |
| Pricing across lenders | From lenders' signed ORSF feeds or their spreadsheets, with best fit, routing, and what-ifs; compensation is never a ranking factor | Built-in pricing engine and lender marketplace | Focused on submission to Rocket; the 1003 can be exported for other lenders2 | Includes a pricing engine3 | Not covered in our research |
Sources: 1 ARIVE pricing. 2 HousingWire, Feb 2026. 3 Sphere for UWM partners; excess usage or third-party fees may apply. 4 LOS Directory and other listings; unverified. 5 HousingWire, 2026. Full research: the wholesale broker channel, explained.
Where OpenLOS is strong
- No seat or per-loan fees, and nobody can raise them on you.
- Lender-neutral by design: no lender owns it or pays it.
- Your pipeline and borrowers' data stay in your own copy, encrypted with your key.
- Pricing that explains itself: best fit for the borrower's goal, routing, and what-ifs, with an archived anti-steering disclosure.
- Compliance basics built in: a TRID clock with LE and CD deadlines and the earliest allowed closing, NMLS IDs and state license checks on assignment, URLA Section 8, and the Reg Z pre-Loan Estimate statement.
- Open: an API for any portal or vendor, MISMO 3.4 in and out, and code you can inspect.
What OpenLOS doesn't do yet
- Direct connections to credit vendors and to DU/LPA, which need agreements a project can't sign. Today you upload the vendor's credit file (scores, accounts, and pricing follow) and record AUS findings.
- Direct lender integrations for submission and status.
- A borrower-facing application portal.
- An independent security review. It's alpha: use it alongside your current system, not instead of it.
See the roadmap.
A good way to try it
Keep your current system. Run OpenLOS beside it as a second opinion on pricing: load your lenders' sheets (or connect their feeds), price a few recent scenarios, and see whether best fit and the what-ifs would have changed what you offered. The demo shows the whole flow with fictional data.