Manifesto
Mortgage origination is still run like a factory: fifteen stitched-together software SKUs and a production line of people shuffling loans from system to system. LOS, POS, pricing engines, compliance tools, document vendors, AUS, appraisal platforms, capital markets software. None of it was designed to work together, and all of it assumes armies of processors and underwriters to make it function. We don’t believe the mortgage industry is broken because people are inefficient. We believe it’s broken because the infrastructure is. Pylon doesn’t make processors faster or underwriters more productive. We eliminate the factory. The Pylon API exposes the entire mortgage lifecycle, from prequalification and pricing through underwriting, third-party services, and closing, through a single, unified API. Instead of integrating 15 vendors and orchestrating human workflows, you make API calls while Pylon performs programmatic processing and underwriting server-side. Affordability, eligibility, pricing, conditions, and underwriting decisions are computed in real time against live rates and guidelines. API responses are executable, guideline-compliant outcomes that can be used directly in borrower-facing products: no manual recalculation, no operational glue, no downstream cleanup. Pylon also abstracts the entire third-party ecosystem. Credit, income and asset verification, appraisals, AUS submissions, disclosures, and closing services are orchestrated automatically and exposed through consistent primitives. Mortgage origination doesn’t need more tools or more people. It needs to be programmable. Pylon replaces the mortgage factory with API calls, from application to closing, at software speed, with direct access to institutional capital.What do you need to originate a mortgage? Just Pylon.
Traditional mortgage origination requires dozens of vendors, systems, and integrations. Pylon replaces all of them with a single API.| Category | Software | People |
|---|---|---|
| Borrower acquisition & application | • Point of Sale (POS) system • Borrower dashboards | • Processors |
| Product, pricing & eligibility | • Product & eligibility engine • Pricing engine • Fee engine • Lock desk system • Secondary pricing tools | • Processors • Lock desk analysts • Secondary marketing analysts • Pricing governance / capital markets |
| Identity, compliance & risk | • KYC / ID verification • OFAC / sanctions screening • Fraud detection • Compliance integration • Consent & eSign tracking | • Compliance team • Fraud analysts • Risk operations |
| Core loan file (System of Record) | • Loan Origination System (LOS) • Document management • Borrower dashboards | • Processors • Underwriters • Closers • Ops managers |
| Credit, income, assets & AUS | • Credit report integration • AUS gateway (DU / LPA) • Income verification (VOI) • Employment verification (VOE) • Asset verification (VOA) • Tax transcript / 4506-C | • Processors • Underwriters • Credit policy team |
| Property, collateral & settlement | • Property data integration • Appraisal integration • Flood certification • Title ordering integration | • Appraisal desk • Collateral / valuation team • Title & escrow coordinators |
| Disclosures & closing documents | • Disclosure integration • Document generation engine | • Disclosure desks • Compliance reviewers • Closers |
| Closing & funding | • Loan Origination System (LOS) • Money movement integrations | • Closers • Funders • Treasury / wire desk |
| Post-close, secondary & servicing | • Secondary / hedging platform • Investor delivery systems • Servicing boarding tools • Servicing platform | • Secondary marketing • Post-close auditors • Shipping / collateral team • Servicing onboarding |
| Finance, accounting & controls | • Warehouse line management • Vendor risk management | • Finance & accounting • Treasury • Warehouse management • Internal audit • Compliance & risk |
Pylon handles it all
All of these capabilities are built into Pylon’s API. When you make API calls, Pylon orchestrates the entire mortgage origination process, from application collection through underwriting, third-party services, compliance, and closing, server-side.One fee, everything included
You don’t have any costs associated with these vendors or integrations. Everything is bundled into a single fee that Pylon charges per closed loan. No per-transaction fees for credit pulls, no monthly subscriptions for LOS access, no per-disclosure charges, no integration setup fees. Just one transparent fee per closed loan.Getting started
You can begin building with Pylon immediately. No infrastructure setup required.Choose your path
Pylon offers multiple ways to build mortgage origination experiences, depending on your needs:Build on the API
Build your own loan app and borrower dashboard using Pylon’s GraphQL API.
Create fully custom loan applications and borrower experiences with complete
control over UI/UX. Pylon handles all mortgage logic, underwriting, and
third-party integrations server-side.Best for: Teams who want full design control and custom workflows.
Use Elements
Spin up quickly with out-of-the-box components. Use Pylon Elements: pre-built,
production-ready components for loan applications and borrower dashboards. Get
to market faster with components that handle authentication, form validation,
document uploads, and disclosure signing out of the box. Best for: Teams
who want to launch quickly with minimal custom development.
Hybrid approach
Create unique pre-filled Elements experiences. Combine the API and Elements
to create custom experiences. Use the GraphQL API to pre-fill borrower data
before initializing Elements, customize workflows, and add your own UI
components alongside Elements.Best for: Teams who want to customize Elements with their own data and
workflows.