# Valon

**Canonical:** https://apis.io/providers/valon/  
**Website:** https://valon.com  
**APIs profiled:** 0

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.

## Kin Score — 42.1 / 100 (developing)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 42.1).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 28.2 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 21.1 |
| Developer Ergonomics | 71.4 |
| Commercial Clarity | 36.8 |
| Access Clarity | 36.8 |

Regulatory layer — **Insurance**: 45.5 (matched via tags).

## Agent readiness — 28.0 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | documented |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## MCP servers (1)

- **Gestalt MCP Server (self-hosted)**

## Security (3)

- **Valon Authentication** — http-bearer/session-cookie · 2 schemes
- **Valon Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Valon Trust Center** — SOC 2

## Tags

Company, Mortgages, Loan Servicing, Lending, Fintech, Real-Estate, Insurance, Agentic Tools, MCP, Open-Source

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/valon/). Scores are computed from the provider's own public artifacts under a published rubric.