Calyx markets Path on transparent pricing and no long contracts, then publishes no figure anywhere. Both Calyx pricing URLs return 404. LenderAnalyzer is independent and not affiliated with Calyx Software.
Upload a document to extract
Drop files here or click to upload
Up to 50 files
Uploading...
Upload a bank statement and watch the analysis run live, free, no signup required.
Calyx Path is the cloud native loan origination system Calyx Software built to sit alongside its 35 year old desktop product, Point. If you are pricing Path this quarter you have already discovered the problem: there is no number. Not on pathsoftware.com, not on calyxsoftware.com, not on the review directories.
We checked it directly on 6 September 2026. Both pathsoftware.com/pricing and calyxsoftware.com/pricing return HTTP 404. The marketing copy promises the opposite, describing a transparent pricing model and lenders who are not locked into lengthy contracts, which makes the missing rate card more frustrating rather than less.
There is a second problem that costs buyers more time than the first. Path has no listing of its own on Capterra or Software Advice. Search for Calyx reviews and you land on the Calyx Point profile, which scores 3.5 out of 5 from 53 reviewers and 3.04 for customer support. Those reviews describe a desktop product installed per machine. They are not reviews of Path, and judging a cloud LOS by them will send you to the wrong conclusion in either direction.
This page sets out what Calyx does publish about Path, which of the five origination products Calyx now sells you are actually being quoted, and the published rate cards from the rest of the category so a Path quote has something to be measured against. Figures verified September 2026.
Vendor statements, first party HTTP checks and directory listings are labeled separately below, because on this vendor they do not agree. Figures verified September 2026.
Requests to pathsoftware.com/pricing and calyxsoftware.com/pricing both returned HTTP 404 on 6 September 2026. There is no pricing page to find. What Calyx does say, in its May 2025 platform announcement and on the Path site, is that the model is transparent and that lenders are not locked into lengthy contracts. Those are positioning statements, not a rate card, and neither one gives you a figure to put in a budget. Read practically, it means Path is quoted, the quote depends on your loan volume and which modules you take, and the only way to a number is the sales call. Go into that call with the category benchmarks below rather than with nothing.
Calyx Path has no product profile of its own on Capterra or on Software Advice. The Calyx listing those sites carry is Calyx Point: 3.5 out of 5 from 53 reviews, with ease of use 3.45, value for money 3.21, customer support 3.04 and functionality 3.46, no free trial and no free version. The recurring complaints in that review set are specific to Point's architecture: an interface that is not web based, software that installs on individual machines, data that does not carry between sections so information gets rekeyed, and slow support. Path is cloud native and was built to answer most of that. So the 3.5 stars neither condemn Path nor endorse it. They describe the product Path was designed to replace. Ask Calyx for Path reference customers instead, because the directory data simply does not exist yet.
Calyx currently markets Path, Zenly, Point, PointCentral and Zip. Path is the cloud native platform for lenders of all sizes. Zenly is a cloud origination platform aimed at MLOs and brokers. Point is the long standing desktop LOS. PointCentral is Point with a single shared database for team collaboration, sold into banks and financial institutions. Zip is the borrower facing application and lead capture front end. The question people type is Calyx pricing, but that question has five different answers and Calyx publishes none of them. The one exception anywhere in the range is Zip, which has appeared at $3 per application plus $1.50 per eSignature. Before you compare a Calyx quote to anything, confirm in writing which product and which modules it covers.
Calyx describes Path as modular with optional upgrades, and several things it bundles are line items other vendors charge for separately. The May 2025 announcement lists a native mobile first point of sale portal offered at no extra cost, the Path Pricer product and pricing engine, an Advanced Underwriting System covering GSE systems as well as portfolio and non-QM programs, an analytics dashboard, Calyx Industry Connect for loan submission, and HMDA, ULDD and MCR compliance reporting. Mortgage Capital Trading is named as the exclusive hedging and loan trading partner. If a competing quote excludes the POS layer and the pricing engine, you are not comparing like with like: at Floify's directory rate of $79 per user per month, a bolt on POS for a fifteen person shop is around $14,000 a year on its own. Price the bundle, not the seat.
Calyx's not locked into lengthy contracts line is a genuine differentiator if the contract reflects it, because the rest of this category leans hard the other way. LendingPad, the one vendor here that publishes a full rate card, requires a 12 month minimum for brokers with annual billing at five users or fewer, 36 to 60 month minimums for lenders, and 36 to 72 months for institutions, with setup fees that are not refundable. HES LoanBox lists at $75,000 a year. Against those terms, a genuinely short Calyx commitment has real value, and it may be worth more than a lower monthly rate. Ask for the minimum term, the notice period and the setup fee in the same email, and treat the answer as part of the price.
Calyx says the native POS accelerates closings by around 30 percent, and getting borrowers to submit documents faster is a real gain. What no LOS in this category does, Path included, is read the documents once they arrive. The Advanced Underwriting System runs a decision against GSE, portfolio and non-QM rules, but somebody still has to turn twelve months of bank statements into a defensible income figure, separate genuine deposits from internal transfers, reconcile pay stubs and W-2s against the returns, and produce the cash flow view the decision rests on. On most teams that is the slowest step in the file and it stays manual after the LOS goes live. If your reason for shopping an LOS is that underwriting takes too long, replacing the origination system is an expensive way to fix a document analysis problem, and it will not fix it.
LenderAnalyzer is not an LOS and is not a Path replacement. It is the analysis layer that runs on the documents your origination system collects: bank statements, pay stubs, W-2s, tax returns and financial statements go in, and computed income, cash flow, debt service coverage and the underlying transaction detail come out. It starts at $99 a month with volume and enterprise tiers, and the price is published, which in this category is unusual enough to be worth saying. Teams commonly run it beside an LOS rather than instead of one, so if Path is on your shortlist you can budget the two independently and stop treating slow underwriting as a reason to change origination systems.
Vendor rate cards, directory listings and quote only entries are labeled separately, because in this category they disagree. Ratings from Capterra and Software Advice. Verified September 2026.
Swipe sideways to see the full comparison
| Product | Published price | Billing basis | Directory rating |
|---|---|---|---|
| LenderAnalyzer This page | From $99 a month, published on the site, self-serve signup | Monthly document allowance, not per seat and not per closed loan | Not listed on the major directories yet |
| Calyx Path | None. Both Calyx pricing URLs return 404, quote only | Quoted, modular, vendor states no lengthy contract lock in | No Capterra or Software Advice profile of its own |
| Calyx Point | None published anywhere, quote only | Historically a fixed cost per user | 3.5 from 53 reviews, support 3.04 |
| Calyx Zenly | None published, quote only | Quoted, aimed at MLOs and brokers | No directory profile |
| Calyx Zip | $3 per application plus $1.50 per eSignature | Per application and per signature | Sold as an add on, not rated separately |
| LendingPad | $40 to $100 per user per month for brokers, $100 to $200 per closed loan for lenders | Per user for brokers, per closed loan for lenders, 12 to 72 month minimums | 134 reviews, 87 percent positive |
| Floify | $79 per user per month on the directories, no vendor rate card | Per user for Broker Edition, per loan for Lender Edition | 4.8 from 74 reviews |
| Encompass | None published, quote only | Quoted per lender | 4.0 from 42 reviews |
| MortgageHalo | $417 per month | Per user | 4.4 from 49 reviews |
| HES LoanBox | $75,000 a year, roughly $6,250 a month | Annual platform license | 4.9 from 36 reviews |
Comparison compiled by LenderAnalyzer from public vendor materials; see the date noted above each table. Competitor names are trademarks of their respective owners; figures may change, so verify current details with each vendor.
Computed deterministically from every extracted transaction, every figure traceable to its source line.
Computed across the full statement period, carried forward day by day.
Deposits vs withdrawals and net flow, broken down month by month.
Every insufficient-funds and overdraft incident counted, with fees totaled.
Recurring deposits grouped into income streams with estimated monthly amounts.
Debits to other lenders and funders detected and totaled per month.
Days below zero across the period, a direct stress signal.
The biggest credits with dates and sources, concentration flagged.
Automatic red and yellow flags your analysts can review in seconds.
Drop in PDFs, scans or photos, one statement or a multi-month package, from any bank.
Every transaction is extracted, then cash flow, balances, income streams, NSF activity and debt payments are computed.
Read the underwriting snapshot, download the Excel report, or pull structured JSON into your LOS via API.
28 lending document types extracted out of the box, build the complete picture of an applicant's financial situation.
Common questions from lending and credit teams.
Calyx publishes no price for Path. We requested pathsoftware.com/pricing and calyxsoftware.com/pricing on 6 September 2026 and both returned HTTP 404. Path is quoted per lender based on volume and the modules you take. For a benchmark, LendingPad publishes $40 to $100 per user per month for brokers and $100 to $200 per closed loan for lenders.
No. There is no pricing page on either Calyx domain, and the review directories carry no starting price for Path either. Calyx describes its model as transparent pricing without lengthy contracts, but it does not attach a figure to that claim. The only Calyx product with a published number anywhere is Zip, at $3 per application plus $1.50 per eSignature.
Point is the original desktop loan origination system, installed on individual machines, aimed at mortgage brokers and small shops. Path is the cloud native platform Calyx built later, browser based, modular, and sold to lenders, bankers and credit unions of all sizes. Path bundles a point of sale portal, a pricing engine and an underwriting system that Point does not have.
It can be, but brokers are not its primary target. Calyx positions Point and Zenly at brokers and MLOs, while Path is built for lenders and bankers who need workflow configuration, compliance reporting and a pricing engine. A small brokerage will often find Path quoted above what it needs. Ask which product the quote covers before assuming Path is the right SKU.
Path has no rating, because it has no product profile on Capterra or Software Advice. The Calyx reviews you will find are for Calyx Point: 3.5 out of 5 from 53 reviews, ease of use 3.45, value for money 3.21, customer support 3.04, functionality 3.46. Those complaints are about desktop architecture and do not transfer to Path. Ask Calyx for Path reference customers instead.
Yes. Calyx's May 2025 platform announcement describes a native mobile first, lender branded point of sale portal included at no extra cost, and credits it with accelerating closings by around 30 percent. That matters when comparing quotes, because standalone POS products in this category list around $79 per user per month, so a competing quote without POS is not comparable.
Yes. Calyx markets an advanced API with data integrations as a core part of Path, and Path was the first certified LOS integration with the Optimal Blue APIs. It also integrates with Mortech for product and pricing and with LodeStar for closing cost data. If you plan to push documents out to an analysis or decisioning system, ask specifically about document retrieval and webhook events.
Calyx states that lenders are not locked into lengthy contracts, which is the opposite of most of this category: LendingPad publishes 12 month minimums for brokers, 36 to 60 months for lenders and 36 to 72 months for institutions, with non refundable setup fees. Get the minimum term, notice period and setup fee in writing, because on a multi year deal those terms are worth more than the monthly rate.
Lenders shortlisting Path usually also look at LendingPad, Encompass, MeridianLink, nCino and Blue Sage, with Floify or a similar point of sale layer if the LOS lacks one. If your reason for switching is that underwriting takes too long rather than that the origination system is failing, the alternative worth pricing is a document analysis layer beside your existing LOS, which is a different and much smaller line item.
Ask, in writing. Calyx sells Path, Zenly, Point, PointCentral and Zip, and prices none of them publicly, so a quote labeled only Calyx tells you nothing. Path is the cloud platform, Zenly the broker and MLO cloud product, Point the desktop LOS, PointCentral the shared database version of Point, and Zip the borrower application front end. The product name and the included modules are the quote.
How credit teams run these calculations by hand, so you can see exactly what the software automates.
The desktop LOS Path was built to succeed, and what replacing it involves.
The standalone point of sale layer Path bundles, and what it charges alone.
License, implementation and platform fees across the LOS category.
The four billing bases this category sells on, compared side by side.
How origination systems and document analysis divide the work.
What LOS vendors publish, and what they quote instead.
The analysis step that stays manual after an LOS goes live.
Computed income and cash flow from borrower statements, from $99 a month.
Where Calyx sits among the broker facing origination systems.
Analyze your first statements free, plans from $99/month, 50% off billed annually.
