Mortgage LOS Comparison
Calyx Point / Path vs Arive: Side-by-Side Comparison
Two mortgage loan origination systems compared on features, pricing, compliance, and fit for banks, credit unions, and brokers.
Our Analysis
Solo brokers on tight budgets should start with Calyx Path at $60-$100/user/month — the industry's most affordable full mortgage LOS. Growing broker teams processing 100+ loans per year gain more from Arive's integrated LOS+POS+PPE+lender marketplace at $100-$300/user/month, which eliminates the separate tools Calyx requires. Arive's 25,000+ loan officers and bi-weekly feature releases signal rapid momentum. The total cost gap narrows once you factor in Calyx brokers paying separately for a POS, pricing engine, and lender submission portals.
At a Glance
Calyx Point / Path
Calyx Software
Full LOS Mortgage
- HQ
- San Jose, CA
- Founded
- 1991
- Deployment
- cloud, desktop
- Size Fit
- Solo / 1-person shops, Small (under $1B assets)
- Pricing
- Calyx Path: $60–$100/user/month (Core/Pro/Premium tiers); Point: legacy per-license pricing
- Users
- Thousands of brokers and small lenders
- Market Share
- Dominant among small brokers; widely used for decades
Arive
Wizni, Inc.
Full LOS Mortgage
- HQ
- San Ramon, CA
- Founded
- 2018
- Deployment
- cloud
- Size Fit
- Solo / 1-person shops, Small (under $1B assets), Midsize ($1B-$10B assets)
- Pricing
- Estimated $100–$300/user/month; contact sales for volume pricing
- Users
- 25,000+ loan officers across 5,000+ broker firms
- Market Share
- 25,000+ LOs and 5,000+ broker firms; 200,000+ monthly applications
Feature-by-Feature Comparison
| Feature | Calyx Point / Path | Arive | Edge |
|---|---|---|---|
| Loan Types | Mortgage | Mortgage | Tie |
| Deployment | cloud, desktop | cloud | Calyx |
| Pricing Model | Per-user monthly subscription (tiered plans) | SaaS subscription (per-user monthly) | Tie |
| Pricing Range | Calyx Path: $60–$100/user/month (Core/Pro/Premium tiers); Point: legacy per-license pricing | Estimated $100–$300/user/month; contact sales for volume pricing | Tie |
| Product Category | Full LOS | Full LOS | Tie |
| Core Integrations | Limited — primarily used by brokers, not depositories | UWM, Rocket Pro, NewRez, PennyMac, Flagstar | Arive |
| Best For | Small mortgage brokers and independent loan officers who need an affordable, straightforward LOS without enterprise complexity | Brokers who want LOS, POS, product & pricing engine, and lender marketplace all in one integrated platform | Tie |
| Lender Segments | Brokers, Mortgage Banks | Brokers, Mortgage Banks | Tie |
| Size Fit | Solo / 1-person shops, Small (under $1B assets) | Solo / 1-person shops, Small (under $1B assets), Midsize ($1B-$10B assets) | Arive |
Key Differences
- Calyx Point / Path offers cloud and desktop deployment, while Arive offers cloud deployment.
- Calyx Point / Path fits Solo / 1-person shops and Small (under $1B assets) institutions, while Arive targets Solo / 1-person shops and Small (under $1B assets) and Midsize ($1B-$10B assets) institutions.
- Calyx Point / Path (founded 1991) has a longer track record, while Arive (founded 2018) brings a more modern architecture.
Choose Calyx Point / Path if...
- ▸ Most affordable full-featured mortgage LOS ($60–$100/mo)
- ▸ Simple, intuitive interface — minimal training required
- ▸ Built-in POS eliminates need for separate borrower portal
- ▸ Good wholesale lender connectivity for brokers
Choose Arive if...
- ▸ First platform to combine LOS+POS+PPE+lender marketplace in a single system
- ▸ Massive broker adoption — 25,000+ LOs and 200,000+ monthly applications
- ▸ Eliminates multi-vendor integration headaches for brokers
- ▸ Rapid innovation cycle with new features every two weeks
Frequently Asked Questions
Is Calyx or Arive cheaper for a solo broker?
Calyx Path starts at $60/user/month — cheaper on paper. But brokers paying separately for POS, pricing, and lender submission tools may find Arive's all-inclusive $100-$300 price competitive at total cost.
Which platform innovates faster?
Arive releases new features every two weeks based on community feedback — startup-speed iteration. Calyx Path modernizes from its legacy Point product at a more traditional pace.
Do both connect to wholesale lenders?
Arive has a built-in marketplace with 30+ wholesale lenders including UWM and Rocket Pro with digital submission. Calyx supports wholesale lending but requires separate lender portals for submissions.
Not sure which platform is right?
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Try the LOS FinderAI-powered underwriting by Aloan works with both Calyx Point / Path and Arive.