###### forforward-thinkingbanklenders| ## Profitable mortgage lending without the overhead Pylon provides autonomous infrastructure that turns mortgage origination into a software-powered business: efficient, scalable, and profitable from the first loan. [Request access](https://pylonlending.com/demo/) 3787 7 5404 4% lower cost to originate Zero rep & warrant risk∗ Variable cost structure ## Why forward-thinking lenders are switching to Pylon Programmatic accuracy & efficiency Automate the full mortgage lifecycle and deliver instant, software-powered decisions Full compliance coverage Assure compliance and full rep & warrant relief on every loan with end-to-end automation Fully branded
borrower experience Own every step of the borrower journey with customizable UI and API-based control Profitability & elimination of fixed costs Replace fixed ops costs with a scalable variable model that grows margin in any market ## howitworks| ### Autonomous mortgage origination: a new model for bank lenders ## Autonomous mortgages: replace your ops team with software Automate the mortgage lifecycle, reduce fixed costs, and unlock profitable growth with a platform purpose-built for bank lenders Automated, software-powered origination Rep & warrant coverage on every file Modern LO tools that boost productivity Scalable, variable-cost infrastructure Branded, seamless borrower experiences ## Elevate your borrower offering Break free from rigid POS borrower flows. Launch fast with prebuilt Elements or fully customize on Pylon’s APIs, with direct rates from our institutional takeout investor network. Customize borrower experiences Direct institutional rates Custom products Customize borrower experiences Your underwriting guidelines, automated Pylon encodes your credit policies and applies them to every file. Enforce compliance, eliminate manual review, and scale confidently. Compliance and rep and warrant protection Pylon underwrites and monitors every file and takes on rep & warrant exposure tied to loan manufacturing and system risk. Empower LOs to win, not chase paperwork With Command Center and always-on automation, your LOs spend less time chasing documents and more time building relationships that win deals. Autonomous loan structuring across every file Traditional loan structuring relies on guesswork. Pylon instantly evaluates every possible loan scenario, helping LOs close faster and deliver better outcomes. ## Your current stack is failing you Legacy tools and human-heavy workflows slow down your team, inflate fixed costs, drag down profitability, and expose your business to operational and reputational risk. ## Pylon vs. full-stack bank lending Unlock profitable mortgage lending with a software-native platform that replaces fixed costs with variable, reduces risk, and elevates your brand. Your Current Origination Stack Mortgage Infrastructure Capital, mortgage software, etc. Mortgage Infrastructure Capital, mortgage software, etc. Single, integrated platform Fragmented providers & integrations Loan Origination Loan Origination Automated end-to-end Manual across tools & teams Origination Cost per Loan Origination Cost per Loan Low Automation replaces manual work High People and legacy tech Market Risk Market Risk Covered All execution managed by Pylon Internalized Subject to in-house expertise Operating Cost Model Operating Cost Model Variable, lean, scalable Fixed, headcount-heavy Processing & Underwriting Processing & Underwriting Software-driven, real-time Manual, human-intensive Rep & Warrant Risk Rep & Warrant Risk Covered Pylon reps & warrants every loan High You hold the liability Staffing Model Staffing Model Sales & marketing Software-powered mortgage operations Large staff Setup, processing, underwriting, compliance, etc. Loan Officer Productivity Loan Officer Productivity High Focused on customer conversion Low Bogged down with admin Borrower Experience Borrower Experience Branded, self-serve, fast Generic portals, slow & clunky Intelligent Loan Structure Optimization Intelligent Loan Structure Optimization Immediate Pre-approval Immediate Pre-approval Sometimes Credit Decision Timing Credit Decision Timing Instant Product coverage expanding 30+ days ###### easeofimplementation| ## Go live in days, or build custom Pylon works out of the box or can be tailored to your workflow. Launch without an engineer or integrate deeply via API. ###### Out-of-the-boxlaunch| Branded borrower experience No-code setup Start originating in days ###### Buildyourway| Design your own borrower experience Modular, API-first infrastructure Forward-deployed Pylon engineer ## platform| ### From application to settlement in one unified platform Everything you need to originate with confidence: automated credit decisioning, built-in compliance, direct capital access, and intelligent structuring tools. \ \ Decisioning\ \ **Intelligent credit evaluations** \ \ Pylon’s Decisioning engine delivers precise, real time underwriting based on underwriting guidelines.](https://pylonlending.com/decisioning/ "Decisioning") \ \ Capital\ \ **Direct access to Wall Street rates** \ \ Get the same unobstructed access to Wall Street that the largest institutional lenders have. No more middleman margins.\ \ \ \ Command Center\ \ **Modern support tooling for LOs** \ \ Automate workflows and reduce overhead so LOs can focus on sales and pull-through.\ \ \ \ Compliance & risk\ \ **Automated, always-on compliance** \ \ Ensure accurate disclosures and continuous loan-level risk monitoring with built-in, automated compliance.](https://pylonlending.com/compliance/ "Compliance") \ \ \ \ Elements\ \ **Deliver pixel-perfect origination experiences** \ \ Create modern, self-serve borrower flows with flexible, compliant UI components.](https://pylonlending.com/elements/ "Elements") _*Pylon assumes all reps and warrants and repurchase risk on loans it delivers, excluding cases of fraud, misrepresentation, or noncompliance originating from the lender._ ## Ready to get started? [Request access](https://pylonlending.com/demo/)