###### forfintechsandcrypto| ## 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. 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. ## Implementation ## 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. Add borrower detailsRun preapprovalRun pricingLock your rateUnderwrite #### Go live in days - No-code setup - White-label borrower experience - Start originating in days Or #### Build a custom mortgage experience - Embedded borrower experience - API-first, MCP-native infrastructure - Forward-deployed engineering support Built for AI-native development + Add borrower detailsRun preapprovalRun pricingLock your rateUnderwrite Request ```graphql mutation createBorrower($input: CreateBorrowerInput!) { borrower { create(input: $input) { id } } } ``` Variables ```graphql { "input": { "dealId": "morwor_9874935789759837", "personalInformation": { "email": "alice@example.com", "firstName": "Alice", "lastName": "Firstimer", "phoneNumber": { "number": "111-111-1111", "type": "CELL" } }, "pointOfContact": true } } ``` Response ```graphql { "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 Structuring Mapping file to guidelines for approval and pricing. Self-serve structuring Best rate 4.750% $2,875/mo Lowest payment 4.750% $2,875/mo Lowest OOP 5.125% $2,914/mo Rate locked Best rate 4.750% ($2,875/mo) Generating disclosures Evaluating TRID compliance Ready for signature Automated disclosures Upload government ID Upload purchase contract Upload homeowners insurance policy Sign disclosures Self-serve tasks Order-outs Automatic Title Ordered Appraisal Scheduled Flood Verified Underwriting-ready Verified income $17,500/mo Verified assets $253,000 Income Verified Assets Verified Order-outs Verified Documents Verified Submit file Underwriting Running AUS Running compliance checks Running fraud checks Takeout Citibank You're conditionally approved! Lender Sterling Loan amount $307,174 Payment $2,875/mo Appraised value exceeds $800,000 Letter of explanation for large deposit Letter of explanation for gap in employment Automated conditions 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 IntakeOur application validates eligibility against investor guidelines, verifies income and assets, and delivers a maximum preapproval amount. Structure Process Underwrite Settle IntakeOur 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 Time to launch Weeks 12-18 months Loan origination approach Loan origination approach Automated end-to-end Subject to development timeline Origination stack Origination stack Single, integrated platform Many providers & integrations Borrower experience Borrower experience Customizable, embedded, branded Manual build Pricing competitiveness Pricing competitiveness Aggregated execution Function of total ecosystem Limited execution Function of your scale Operating cost model Operating cost model Variable, lean, scalable Fixed, headcount-heavy Credit decision timing Credit decision timing Instant Product coverage expanding 1-3 days or more Intelligent loan structuring Intelligent loan structuring Rep & warrant risk Rep & warrant risk Zero* Pylon reps & warrants every loan High You hold the liability.