Valon

Valon is a technology-first residential mortgage servicing platform founded in 2019 and headquartered in New York. Built on its own servicing system of record, Valon gives homeowners a modern app for payments, escrow, insurance, and mortgage assistance while offering lending (HELOC/HELOAN, refinance, purchase) and insurance products. Backed by Andreessen Horowitz and Westcap, Valon raised a $100M Series C in October 2024 and was approved as a Ginnie Mae issuer in December 2024. Its engineering arm, Valon Technologies, also publishes Gestalt (gestaltd.ai) — an Apache-2.0, self-hostable platform for managing agentic tools and services that unifies REST/OpenAPI, GraphQL, MCP, and executable code behind one operation model with an HTTP API, CLI, SDKs, and an MCP endpoint.

Valon is profiled on the APIs.io network. Tagged areas include Company, Mortgages, Loan Servicing, Lending, and Fintech.

Valon’s developer surface includes documentation, API reference, getting-started guide, engineering blog, support, authentication, CLI, and 17 more developer resources.

42.1/100 developing ▬ flat Agent 28/100 agent aware Full breakdown ↓
scored 2026-08-21 · rubric v0.12.0
AccessSelf serve
0 APIs 1 MCP Servers
CompanyMortgagesLoan ServicingLendingFintechReal-EstateInsuranceAgentic ToolsMCPOpen-Source

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-21 · rubric v0.12.0
Composite quality — 42.1/100 · developing
Contract Quality 6.0 / 21
Developer Ergonomics 12.1 / 17
Access Clarity 6.3 / 17
Operational Transparency 2.3 / 11
Contract Governance 1.9 / 10
Discoverability 4.9 / 9
Regulatory Posture 6.8 / 15
Agent readiness — 28/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 10
Documented Reversibility 0 / 6
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/valon: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Valon Authentication

http-bearer/session-cookie · 2 schemes

SECURITY

Valon Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Valon Trust Center

SOC 2

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

Documentation 2

Reference material describing how the API behaves

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 3

Pagination, idempotency, versioning, errors, and events

Build 4

SDKs, sample code, and the tooling you integrate with

Access & Security 4

Authentication, authorization, and security posture

Operate 2

Status, limits, changes, and where to get help

Commercial 2

Pricing, plans, and the legal terms of use

Company 2

The organization behind the API

Other 1

Properties that don't map to a standard resource type

Source (apis.yml)

apis.yml Raw ↑
aid: valon
name: Valon
description: Valon is a technology-first residential mortgage servicing platform founded in 2019 and headquartered in New
  York. Built on its own servicing system of record, Valon gives homeowners a modern app for payments, escrow, insurance,
  and mortgage assistance while offering lending (HELOC/HELOAN, refinance, purchase) and insurance products. Backed by Andreessen
  Horowitz and Westcap, Valon raised a $100M Series C in October 2024 and was approved as a Ginnie Mae issuer in December
  2024. Its engineering arm, Valon Technologies, also publishes Gestalt (gestaltd.ai) — an Apache-2.0, self-hostable platform
  for managing agentic tools and services that unifies REST/OpenAPI, GraphQL, MCP, and executable code behind one operation
  model with an HTTP API, CLI, SDKs, and an MCP endpoint.
url: https://raw.githubusercontent.com/api-evangelist/valon/refs/heads/main/apis.yml
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://valon.com/wp-content/uploads/2023/03/brandmark-light-1.svg
x-type: company
x-source: vc-portfolio
x-backed-by:
- a16z
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Mortgages
- Loan Servicing
- Lending
- Fintech
- Real-Estate
- Insurance
- Agentic Tools
- MCP
- Open-Source
tags_raw:
- Company
- Mortgages
- Loan Servicing
- Lending
- Fintech
- Real Estate
- Insurance
- Agentic Tools
- MCP
- Open Source
apis: []
common:
- type: TrustCenter
  url: security/valon-trust-center.yml
- type: DomainSecurity
  url: security/valon-domain-security.yml
- name: Valon Website
  type: Website
  url: https://valon.com
- name: Gestalt Developer Portal
  type: DeveloperPortal
  url: https://gestaltd.ai
- name: Gestalt Documentation
  type: Documentation
  url: https://gestaltd.ai
- name: Gestalt HTTP API Reference
  type: APIReference
  url: https://gestaltd.ai/reference/http-api
- name: Gestalt Getting Started
  type: GettingStarted
  url: https://gestaltd.ai/getting-started
- name: Valon Technologies on GitHub
  type: GitHubOrganization
  url: https://github.com/valon-technologies
- name: Valon Blog
  type: Blog
  url: https://valon.com/blog/
- name: Valon Help Center
  type: Support
  url: https://help.valon.com/hc/en-us
- name: Terms and Conditions
  type: TermsOfService
  url: https://valon.com/terms-and-conditions
- name: Privacy Policy
  type: PrivacyPolicy
  url: https://valon.com/privacy-policy
- name: Gestalt Packages and SDKs
  type: Packages
  url: packages/valon-packages.yml
- name: Gestalt SDKs
  type: SDKs
  url: packages/valon-packages.yml
- name: Gestalt MCP Server (self-hosted)
  type: MCPServer
  url: mcp/valon-mcp.yml
- name: Authentication Profile
  type: Authentication
  url: authentication/valon-authentication.yml
- name: API Conventions
  type: Conventions
  url: conventions/valon-conventions.yml
- name: Standards Conformance
  type: Conformance
  url: conformance/valon-conformance.yml
- name: Gestalt CLI
  type: CLI
  url: cli/valon-cli.yml
- name: Gestalt Changelog
  type: ChangeLog
  url: changelog/valon-changelog.yml
- name: Lifecycle
  type: Lifecycle
  url: lifecycle/valon-lifecycle.yml
- name: LLMs.txt
  type: LLMsTxt
  url: llms/valon-llms.txt
- name: Gestalt Protocol Definitions
  type: Protobuf
  url: grpc/valon-grpc.yml
- name: SOC 2 Compliance (Security page)
  type: Compliance
  url: https://valon.com/security/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 27
  pass: local-v1

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