Calyx Point Review 2026: Budget-Friendly LOS Option
Updated February 2026
Overview
Calyx Point is one of the most affordable and accessible loan origination systems on the market. Popular with small brokerages and individual loan officers, it provides essential loan processing functionality without the complexity and cost of enterprise platforms.
Best for: Individual loan officers, small brokerages, and new shops that need basic loan processing at the lowest cost.
Key Features
- ✓Core loan processing
- ✓Basic compliance checks
- ✓Document management
- ✓Investor delivery
- ✓Rate lock integration
- ✓Basic reporting
Pricing
Calyx Point is one of the most affordable LOS options, starting around $75-100/month per user. Some plans offer per-loan pricing for low-volume users.
Pros
- +Most affordable LOS option
- +Simple to learn and use
- +Good for low-volume users
- +Per-loan pricing available
- +Quick setup
Cons
- –Limited automation compared to competitors
- –Basic reporting capabilities
- –Fewer integrations available
- –Not ideal for scaling operations
- –Support can be inconsistent
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Alternatives to Calyx Point
Encompass by ICE Mortgage Technology
Mid to large brokerages and lenders who need the widest investor connectivity and don't mind paying a premium for the industry standard.
ARIVE
Independent mortgage brokers and non-delegated TPOs who want an affordable, modern all-in-one platform without juggling separate LOS, POS, and pricing tools.
Byte Pro by Byte Software
Mid-size brokerages (5-50 users) who want reliable processing, good support, and don't need the full Encompass ecosystem.