TheLOSDirectory

Calyx Point / Path

Small mortgage brokers and independent loan officers who need an affordable, straightforward LOS without enterprise complexity

Mortgage Cloud Desktop

Quick Facts

Company
Calyx Software
Founded
1991
HQ
San Jose, CA
Pricing
Per-user monthly subscription (tiered plans)
Market
Dominant among small brokers; widely used for decades
Visit Calyx Software →

Overview

Calyx has been a fixture in mortgage technology since 1991, and its products — the legacy desktop-based Point and the newer cloud-based Path — have long been the default choice for mortgage brokers and small independent lenders. Where Encompass is the enterprise standard and BytePro targets mid-market banks, Calyx occupies the SMB segment: loan officers and small shops that need compliant origination software without the complexity or cost of larger platforms. Calyx Path, the company's cloud-native successor to Point, is fully browser-based with a mobile-friendly interface and built-in POS (point-of-sale) for borrower-facing applications. At $60–$100/user/month, it's one of the most affordable full-featured mortgage LOS options available.

Key Features

  • ▸ Cloud-based origination (Path) or desktop (Point)
  • ▸ Built-in mobile-friendly point-of-sale for borrower applications
  • ▸ Automated compliance checks and disclosure generation
  • ▸ Access to wholesale lenders from within the system
  • ▸ Electronic signature integration
  • ▸ Customizable workflows (Pro and Premium tiers)
  • ▸ Online borrower interview integration
  • ▸ Document management and imaging
  • ▸ Pipeline tracking and reporting
  • ▸ Multi-channel support (retail and wholesale)

Pricing

What we know about Calyx Point / Path pricing:

Calyx Path: $60–$100/user/month (Core/Pro/Premium tiers); Point: legacy per-license pricing

Like most enterprise LOS vendors, Calyx Software doesn't publish standard pricing. Quotes are customized based on institution size, loan volume, and module selection. We recommend requesting all-in three-year TCO quotes that include implementation, training, and ongoing fees.

Core Banking Integrations

Calyx Point / Path offers pre-built integrations with the following core banking platforms:

Limited — primarily used by brokers, not depositories

Ideal Customer Profile

Asset Size
N/A (primarily brokers and non-depository lenders)
Loan Volume
25–300 loans/year
Staff Size
1–10 origination staff
Best When
You're a mortgage broker or small lender focused on keeping costs low while maintaining compliance, and you don't need integration with a core banking system

Pros & Cons

Strengths

  • ✓ 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
  • ✓ Both legacy desktop (Point) and modern cloud (Path) options

Limitations

  • ✗ Limited to mortgage — no consumer or commercial modules
  • ✗ Fewer integrations than Encompass or BytePro
  • ✗ Not designed for depositories — limited core banking integration
  • ✗ Reporting and analytics are basic compared to enterprise platforms
  • ✗ Point (desktop version) is effectively legacy at this point

User Reviews & Reputation

4.0/5

software Advice

4.1/5

capterra

Review scores from third-party sources. Ratings reflect aggregate user reviews and may change over time.

Looking for AI-powered underwriting that works alongside Calyx Point / Path? Aloan integrates with any LOS.