This month’s updates deliver sharper execution, smoother borrower flows, and better tools for your team. From expanded Jumbo takeouts to soft credit pulls, we’re continuing to advance what modern mortgage software and infrastructure should do. With improvements across disclosures and borrower eligibility, Pylon is helping originators unlock the full potential of mortgage automation.
We’ve onboarded a new Wall Street trading desk (to be announced) to Pylon Capital, expanding your jumbo takeout options with direct API access and full visibility in Command Center.
What it means for you:
Learn more about how we power Capital »
We’ve added soft credit pulls to the borrower pre-approval flow, now available via API, Elements, and Command Center.
Borrowers can get pre-approved without impacting their credit scores and without triggering lead resellers. A hard pull only happens once the loan moves into underwriting, making the experience smoother, safer, and more borrower-friendly from the start.
What it means for you:
See how Elements powers custom borrower experiences »
We’ve upgraded the disclosure experience with more consistent document access, better visibility, and a fully integrated workflow in Command Center.
Loan officers can now view and sign disclosures directly in one place without digging through email. Tooltips have been refreshed with interactive content to make it easier to see what’s been sent, when, and to whom.
What it means for you:
Learn more about Command Center »
Pylon now supports Fannie Mae’s updated debt-to-income guidelines, increasing the maximum allowable DTI from 45% to 50% for conventional loans.
This update gives originators the ability to qualify more borrowers, including those with higher monthly debt, lower incomes, or smaller down payments.
What it means for you:
We’ve continued to enhance Pylon’s API to support more accurate pricing, smarter borrower data handling, and better control for originators. Pricing scenarios now factor in all available out-of-pocket assets, improving accuracy on purchase loans while ensuring closing costs stay within allowable limits.
We added a new APOR (Average Prime Offer Rate) endpoint so that you can compare how our pricing looks relative to the average rate in the market. Additionally, you’re able to query for the APOR on a historical date to know how rates have trended over time
In addition, the API now supports borrower marital status updates via GraphQL, along with expanded handling of military service data, including the ability to query, update, reset, and indicate surviving spouse status. Spouse indicators are now handled more reliably across borrower updates, improving consistency throughout the loan file.