Metered loan infrastructure

The loan stack,
priced by the call.

APICLX turns the heavy machinery of mortgage origination into clean JSON endpoints. LOS file runs, live lender pricing, direct-mail lookups, home values, escrow fees. No seats, no subscriptions, no minimums. Every request is metered to the cent and debited from your credit balance the moment it executes.

Get started instantly → Read the docs

Calls metered / 24h

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Median latency

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Files run

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Billing resolution

$0.01

Rate card

One price. Per execution. Nothing else.

Each endpoint carries a flat per-call rate. The charge posts to your usage ledger at execution time, you can read it back, line by line, on the usage API.

LOS File Run POST /v1/arive/run

A complete Arive loan file from one payload: borrower, property, income, loan structure. Returns the file number and deep link.

per run

1.40

Lender File Run POST /v1/uwm/run

Full UWM EASE cycle: loan import, soft-credit trigger, liabilities read-back, MISMO 3.4 export in the response.

per run

2.00

PPE Pricing POST /v1/loansifter/price

A full LoanSifter pricing scenario, send the payload, get eligible products, rates, and pricing back. Charged on every price call.

per price

1.50

Mail Lookup POST /v1/mail/lookup

Direct-mail response resolution: send the mailer ID + caller details as JSON, receive the matched prospect record back as JSON.

per lookup

0.50

Home Value POST /v1/avm/value

Institutional-grade AVM (HouseCanary-class): value, range, confidence score, and comparables count for any residential address.

per address

2.50

Escrow & Title Fees POST /v1/fees/escrow

County-accurate escrow, title, and recording fee quote for a purchase or refinance, itemized, ready for your LE.

per quote

1.00

Property Tax POST /v1/tax/lookup

Current county tax bill for a subject property: annual amount, parcel, and taxing authorities.

per parcel

0.75

Metering

How the meter works

Prepaid credits, atomic debits, and a ledger you can audit down to the request ID. If the balance can't cover the call, the call never executes.

Load credits

Fund your account balance. Credits never expire and every deposit is visible on the ledger.

Call the endpoint

Authenticate with your API key. The gateway checks your balance before the work starts, insufficient funds returns 402, not a surprise invoice.

Atomic debit

The instant a run executes, the flat rate posts to your ledger with the request ID, endpoint, and timestamp. Failed runs on our side are auto-credited back.

Audit anytime

GET /v1/usage returns your full metering ledger. Every cent traceable to a call you made.

Architecture

Built like an exchange, not a portal

A hardened gateway meters every request before it touches the execution layer. Long-running file runs are asynchronous jobs with webhooks; lookups return inline.

YOUR SYSTEM │ HTTPS + Bearer key · JSON in / JSON out · Idempotency-Key supported ▼ API GATEWAY api.apiclx.com │ auth → rate limit → balance check → schema validation ▼ METERING LEDGER atomic per-call debit · request-id journal · auto-credit on platform failure ▼ EXECUTION LAYER ├── run queue (serial per upstream, horizontally sharded) → LOS runners ├── pricing workers (parallel) → PPE engines └── lookup services (inline, sub-second) → data providers ▼ RESPONSE ├── sync: lookups + pricing return in the request └── async: file runs return a job id → poll GET /v1/jobs/:id or receive a signed webhook

Get started

Instant checkout. Key in hand in 10 seconds.

Provision your account and API key right here. Data APIs (home value, escrow fees, tax, mail lookup) work the moment your credits land. Upstream integrations (LOS, PPE, lender) need your credentials and an operator approval before they unlock.

Name

Work email

Company

Your use case (required, reviewed for approval)

Integrations to enable (subject to approval)

LOS (Arive) LoanSifter / Optimal Blue UWM EASE

Data APIs (AVM, fees, tax, mail lookup) are always on. No approval needed.

Initial credits

Data APIs activate on funding. Upstream integrations (LOS, PPE, lender) are enabled only after your use case and credentials are reviewed and approved.

Ten seconds to first call

It's just JSON

# price a scenario, $1.50 posts to your ledger when it executes curl -X POST https://api.apiclx.com/v1/loansifter/price \ -H "Authorization: Bearer apiclx_live_xxxxxxxx" \ -H "Content-Type: application/json" \ -d '{ "loan": { "purpose": "cashout_refinance", "amount": 366760, "type": "VA" }, "property": { "state": "TX", "value": 495000, "occupancy": "primary" }, "borrower": { "fico": 742 } }'

# response, products, rates, and the charge that was metered { "request_id": "req_9f2ce1b0", "charged": { "amount": 1.50, "currency": "USD" }, "products": [ { "name": "VA 30-Yr Fixed", "rate": 6.250, "price": 100.125, "lock_days": 30 }, { "name": "VA 30-Yr Fixed", "rate": 6.500, "price": 101.480, "lock_days": 30 } ] }

Access

Request API access

Access is provisioned account by account. Tell us what you're building and which endpoints you need. We reply with a key, a funded sandbox, and your rate card.

Volume pricing available. Sandbox calls are free and hit simulated upstreams.

The loan stack,priced by the call.