TheLOSDirectory

Calyx Point / Path

Full LOS

Calyx Point and Path are mortgage LOS products from Calyx Software (founded 1991), dominant among small brokers and independent loan officers, with cloud-based Path starting at just $60 per user per month.

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

BrokersMortgage Lenders
Mortgage Cloud Desktop

Quick Facts

Company
Calyx Software
Founded
1991
HQ
San Jose, CA
Best Fit
Solo / 1-Person Shops to Small
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.

Key Integrations

Publicly documented integrations or connectivity options for Calyx Point / Path include the following:

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

G2
3.7 (13)
View reviews →

What Users Love

  • ✓

    "I have been using Calyx for about 15 years and it's the LEADING software in the mortgage industry. Companies who have used both Encompass and Calyx definitely prefer Calyx."

    Senior Loan Officer

  • ✓

    "Security and info stored offsite. Upload feature adds extra level of safety to borrowers' documents. Program is very easy to use and help is only a phone call away."

    Processor

Common Complaints

  • ✗

    "There are a few screens that have transfer information from another screen. It's difficult to figure which or where that screen is, especially with rental properties."

    Senior Mortgage Planner

  • ✗

    "Support is a little hard to get in touch with."

    Financial Services Professional

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

Frequently Asked Questions

How much does Calyx Path cost?
Calyx Path pricing ranges from $60–$100 per user per month across Core, Pro, and Premium tiers, making it one of the most affordable full-featured mortgage LOS options available. The legacy desktop product, Calyx Point, uses per-license pricing. For solo originators and small teams, Calyx Path offers exceptional value.
Does Calyx integrate with core banking systems?
Calyx has limited core banking integration, as it is primarily designed for mortgage brokers and independent lenders rather than depositories. Brokers using Calyx typically do not need core banking connectivity, relying instead on wholesale lender connections and industry-standard data exchange formats.
Is Calyx good for solo mortgage brokers?
Yes, Calyx is the go-to LOS for solo mortgage brokers and small independent loan officers. Its simple interface requires minimal training, the built-in POS eliminates the need for a separate borrower portal, and the $60–$100 per month price point is designed specifically for the economics of small broker operations.
Should I choose Calyx Point or Calyx Path?
Calyx Path is the recommended choice for new users, as it is the modern, cloud-native, browser-based successor to the legacy desktop Point product. Path offers mobile-friendly borrower applications, built-in POS, and cloud access from any device. Point is effectively legacy software at this stage.

Last updated: April 4, 2026

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