# Calyx Point / Path vs Arive: Side-by-Side Comparison

> Calyx Point / Path vs Arive comparison for 2026. Features, pricing, deployment, and which platform fits your institution best.

Source: https://thelosdirectory.com/compare/auto/calyx-vs-arive

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Mortgage LOS 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
- **G2 Rating**: 3.7/5 (13 reviews)

[Full Calyx Point / Path review](https://thelosdirectory.com/platforms/calyx)

### 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**: Published at arive.com/pricing as of September 2026: Broker Core originator seat $59.99 per user per month billed monthly or $49.99 billed annually (support seat $24.99 or $19.99); Broker Pro originator seat $79.99 or $69.99 (support seat $39.99 or $34.99); Non-Del originator seat $99.99 (support seat $49.99)
- **Users**: 25,000+ loan officers and 5,000+ broker, non-delegated and TPP companies, per Arive (as of September 2026)
- **Market Share**: Arive reports 25,000+ loan officers, 5,000+ broker, non-delegated and TPP companies, and 200,000+ new applications per month (as of September 2026)

[Full Arive review](https://thelosdirectory.com/platforms/arive)

## 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 | Published at arive.com/pricing as of September 2026: Broker Core originator seat $59.99 per user per month billed monthly or $49.99 billed annually (support seat $24.99 or $19.99); Broker Pro originator seat $79.99 or $69.99 (support seat $39.99 or $34.99); Non-Del originator seat $99.99 (support seat $49.99) | Tie |
| Product Category | Full LOS | Full LOS | Tie |
| Core Integrations | Limited — primarily used by brokers, not depositories | UWM, Rocket Pro, NewRez, PennyMac | 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

## Deep Dive

[Calyx Point / Path Full Profile](https://thelosdirectory.com/platforms/calyx) [Arive Full Profile](https://thelosdirectory.com/platforms/arive)

## 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 Finder](https://thelosdirectory.com/tools/los-finder)

### Related

[Calyx Point / Path Full Review](https://thelosdirectory.com/platforms/calyx) [Arive Full Review](https://thelosdirectory.com/platforms/arive) [Calyx Point / Path Alternatives](https://thelosdirectory.com/alternatives/calyx) [Arive Alternatives](https://thelosdirectory.com/alternatives/arive) [All Comparisons](https://thelosdirectory.com/compare) [How to Choose an LOS](https://thelosdirectory.com/guides/how-to-choose)

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