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, Mortgage, Loan Servicing, Lending, and Fintech.

Valon’s developer surface includes documentation, API reference, getting-started guide, engineering blog, support, authentication, CLI, and 22 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

40.8/100 developing ▬ flat Agent 19/100 agent aware Front door AI 1/6 silent Heartbeat 61/100 slowing saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

0 APIs 1 MCP Servers

Company Mortgage Loan Servicing Lending Fintech Real Estate InsuranceAgentic ToolsMCP Open Source

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 40.8/100 · developing

Contract Quality 5.1 / 21

Developer Ergonomics 12.1 / 17

Access Clarity 8.0 / 17

Operational Transparency 2.1 / 11

Contract Governance 1.9 / 10

Discoverability 5.0 / 9

Regulatory Posture 3.2 / 15

Agent readiness — 19/100 · 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author Ask about this →
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented) Ask about this →
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link Ask about this →

10 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 24.0 — up to +19.0 composite points Ask about this →
Access Clarity scores 46.8 — up to +10.6 composite points Ask about this →
Operational Transparency scores 19.0 — up to +10.5 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/valon/apis.yml: open an issue on github.com/api-evangelist/valon to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	distribution	9.6 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (documented)

MCP Servers 1

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

Gestalt MCP Server (self-hosted)

Remote MCP server at gestaltd.ai over HTTP.

MCP SERVER

Terms of Service 1

What its API terms permit and prohibit, quoted from its own page.

Valon

8 quoted statements, read from Valon's own page on 2026-11-10.

TERMS

Privacy & Data 1

Its role, the data it processes, retention and transfers, quoted from its own privacy page.

Valon

15 quoted statements, read from Valon's own page on 2026-11-10.

PRIVACY

Compliance 1

Attestations the provider states (SOC 2, ISO 27001 and others), quoted from its own trust page. APIs.io verifies none of them.

Valon

1 quoted statement, read from Valon's own page on 2026-11-10.

COMPLIANCE

Eligibility 1

Who may sign up and where, quoted from its own terms.

Valon

4 quoted statements, read from Valon's own page on 2026-11-10.

ELIGIBILITY

Data License 1

How its data and outputs may be reused, quoted from its own terms.

Valon

1 quoted statement, read from Valon's own page on 2026-11-10.

LICENSE

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

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

MCPServer

MCPServer

LLMsTxt

LLMsTxt

Design & Contract 3

Pagination, idempotency, versioning, errors, and events

Conventions

Conventions

Conformance

Conformance

Lifecycle

Lifecycle

Build 4

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

Packages

SDKs

CLI

Access & Security 4

Authentication, authorization, and security posture

TrustCenter

DomainSecurity

Authentication

Compliance

Operate 2

Status, limits, changes, and where to get help

Support

Support

ChangeLog

ChangeLog

Commercial 4

Pricing, plans, and the legal terms of use

TermsOfService

PrivacyPolicy

UsageTerms

DataLicense

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 4

Properties that don't map to a standard resource type

Protobuf

DataProcessing

Attestations

Eligibility

Source (apis.yml)

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
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-13'
  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'
x-docs-platform: nextra
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-17
tags:
- Company
- Mortgage
- 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
- Real-Estate
- 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/
- type: UsageTerms
  url: terms/valon-terms-of-service.yml
- type: DataProcessing
  url: privacy/valon-privacy-policy.yml
- type: Attestations
  url: compliance/valon-compliance.yml
- type: Eligibility
  url: eligibility/valon-eligibility.yml
- type: DataLicense
  url: data-license/valon-data-license.yml
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

Valon API — frequently asked questions

How do I authenticate with the Valon API?

Valon uses bearer-token authentication (http-bearer/session-cookie · 2 schemes). The details are profiled on APIs.io as Valon Authentication.

Does Valon have an MCP server?

Yes. APIs.io lists 1 MCP server for Valon: Remote MCP server at gestaltd.ai over HTTP.

Is the Valon API ready for AI agents?

Valon has a Kin Score of 40.8 out of 100 (developing) and an Agent Readiness score of 18.9 (agent-aware), scored by API Evangelist on 2026-11-13.

Work with this as data

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MCP server

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