Your next product line runs on Pylon’s mortgage rails

for fintechs and crypto|

Your next product line runs on Pylon’s mortgage rails

Launch mortgages in weeks on Pylon’s AI-native, API-first platform. We handle everything from application to settlement, while you focus on delighting customers.

Request access

9541

1

7120

0

7508

8+

bps better pricing

1841

1

complete platform for mortgage

1927

7

1984

4%

lower cost to originate

Why fintechs are building on Pylon

Revenue, not overhead

Launch a full mortgage product without building a mortgage operation. Pylon handles origination end to end, all via API.

Embedded experiences

Deliver instant, self-serve credit decisions with soft credit pulls and transparent pricing in fully customizable, embedded flows.

Better pricing and margins

Get lender-grade pricing and boost your margin with direct Wall Street access, without middlemen, markups, or compromises.

Fully managed risk

Pylon reps & warrants every loan into the capital markets and encodes compliance into every file to ensure full coverage.

Go live in days or build custom

One platform for all of origination. Go live in days with our white-label borrower experience, or build on our flexible APIs.

Go live in days

No-code setup
White-label borrower experience
Start originating in days

Explore Elements

Or

Build a custom mortgage experience

Embedded borrower experience
API-first, MCP-native infrastructure
Forward-deployed engineering support

See docs

Built for AI-native development

+

Request

mutation createBorrower($input: CreateBorrowerInput!) {

  borrower {

    create(input: $input) {

      id

    }

  }

}

Variables

{

  "input": {

    "dealId": "morwor_9874935789759837",

    "personalInformation": {

      "email": "alice@example.com",

      "firstName": "Alice",

      "lastName": "Firstimer",

      "phoneNumber": {

        "number": "111-111-1111",

        "type": "CELL"

      }

    },

    "pointOfContact": true

  }

}

Response

{

  "data": {

    "borrower": {

      "create": {

        "id": "borr_opD3k3gX89jfSw3gGqMpqy"

      }

    }

  },

  "extensions": {

    "complexity": {

      "requestedQueryComplexity": 10,

      "maxQueryComplexity": 500

    }

  }

}

Use existing customer data

Market pre-approved purchasing power

Custom products built on your data

Define what mortgage looks like for your platform. Use your existing customer data to fast-track application and information collection, and innovate with custom loan products that cater to your audience.

Minimize origination risk

Loan-level fraud checks

Automated, always-on compliance

Minimize and manage risk with Pylon’s automated compliance system. We ensure full compliance across the entire origination process, letting you focus on growing your mortgage program with confidence.

Real-time loan optimization

Outcome-driven structuring

Intelligent loan structuring

Pylon evaluates every loan scenario in real time to surface the best option for each borrower, whether it’s the lowest monthly payment, out-of-pocket cost, or best interest rate.

Crypto asset depletion underwriting

Qualifying staking income

Support for crypto-backed mortgages

Pylon is the only provider with a crypto-asset depletion underwriting model, enabling you to serve high-net-worth crypto users without custom infrastructure or repurchase risk.

One platform, from application to settlement

We’ve replaced the industry’s fragmented origination stack with a unified, API-driven platform built for the future of mortgages.

Mortgage application

Jordan Lee

(415) 555-0101

07/06/1994

1234

Submit

API or UI

Income & assets

Acme, Inc.

$17,500/mo

···· 2198

$253,000

Guideline validation

Calculating qualified income

Calculating qualified assets

Calculating DTI

Congratulations, Jordan!
You're pre-approved.

Max loan amount

$751,400

Valid until

07/26/2026

Closing Disclosure

Auto-synced with final data

Fee reconciliation

Zero-variance ledger audit

TRID compliance

Mandatory timing enforced

System lock

Field-level data freezing

Closing document generation

Johnny Appleseed

eSign package

Auto-compiled digital bundle

Ready

Notary sync

Live scheduling triggered

Scheduled

Notary

Transaction settled

Total disbursed

$328,250

Time

10:14 AM

Compliance audit

Passed

County recording

Filed

Final ledger

Balanced

Download receipt

Automatic release + recording

Intake Our application validates eligibility against investor guidelines, verifies income and assets, and delivers a maximum preapproval amount.

platform|

Why build on Pylon's mortgage rails?

Build yourself

Time to launch

Weeks

12-18 months

Loan origination approach

Automated end-to-end

Subject to development timeline

Origination stack

Single, integrated platform

Many providers & integrations

Borrower experience

Customizable, embedded, branded

Manual build

Pricing competitiveness

Aggregated execution

Function of total ecosystem

Limited execution

Function of your scale

Operating cost model

Variable, lean, scalable

Fixed, headcount-heavy

Credit decision timing

Instant

Product coverage expanding

1-3 days or more

Intelligent loan structuring

Rep & warrant risk

Zero*

Pylon reps & warrants every loan

High

You hold the liability

for fintechs and crypto|