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All-in-one mortgage software for brokers

Brokers want the application, pricing and AI in one place. Here is what five platforms include, how far their AI goes, and who each one fits.

Updated Sources checked

Disclosure: Zeitro publishes this comparison and makes Zeitro, one of the platforms below. Every statement about another platform links to that company's own website or help center, and the Zeitro column uses only what Zeitro's product pages say. Where a page does not say, we write Not documented.

The short answer

Zeitro is an all-in-one AI mortgage workstation: lead capture, a digital point of sale, your pipeline and loan files, a pricing engine and Zeitro Strata guideline AI in one platform. Its borrower application is simplified and backed by AI: the one-page AI application takes a few answers and the borrower’s documents and builds the loan from them, on a phone, so most borrowers finish in one sitting. Zeitro Strata answers guideline questions with the guideline cited, from 2,000+ programs and 100+ investors. When the file is ready, it goes to your LOS as FNM 3.4 or straight into Encompass.[1][6][9]

ARIVE, LendingPad, Sonar and Calyx Zenly are loan origination systems. ARIVE and Sonar build in a pricing engine; LendingPad and Zenly connect to one. Sonar has AI agents and AI that sorts uploaded documents; ARIVE’s AI is in beta; LendingPad offers AI through a marketplace partner.[2][3][4][5][10][12][13][14][18][19]

Five broker platforms, side by side

Each cell says what the company publishes, with a numbered source. Not documented means we did not find it on the company’s public pages, which does not prove the feature is missing.

What you needZeitroARIVELendingPadSonarCalyx Zenly
What it isAll-in-one AI mortgage workstation: lead capture, point of sale, pipeline, pricing engine and guideline AI.[1]Loan origination platform for independent mortgage brokers.[2]Loan origination platform; the broker edition is sold as complete and ready to work.[3]AI agent platform for lenders, with an all-in-one platform for brokers: point of sale, LOS, lead management and pricing engine.[4]Cloud lead management, point of sale and origination platform from Calyx, for small lenders and brokers.[5]
Borrower applicationYesSimplified borrower application backed by AI: the one-page AI application takes a few answers and the borrower's documents and builds the loan from them, on a phone. Borrowers who prefer a form use the guided Digital 1003.[6]YesBranded, mobile-friendly borrower portal.[2]YesConsumer-facing point of sale included without extra fees.[3][7]YesPoint of sale built into the platform.[8]YesZip point of sale with a Q&A-style borrower interview.[5]
Guideline answers with citationsYesZeitro Strata: cited answers to borrower scenarios from 2,000+ programs and 100+ investors, including your own programs and overlays.[9]PartlyARIVE AI (beta): a chat for lender guideline questions.[10]Not documentedNot described on LendingPad's product pages.[11]Not documentedNot described on Sonar’s broker or AI agent pages.[12]Not documentedNot described on the Zenly page.[5]
AI on borrower documentsYesAI reads pay stubs, W-2s, bank statements and tax returns and pre-fills the 1003 for you to confirm.[6]PartlyDocument extraction beta, rolled back on Aug 30, 2026.[10]PartlyThrough marketplace partner Addy AI: document classification and income calculation.[13]YesAI Processor categorizes and tags uploaded documents and links conditions; Apex loan officer and processor agent.[12][14]Not documentedNot described on the Zenly page.[5]
Pricing engineYesBuilt in: conventional, non-QM and private lending in one search, with 100+ investors maintained by Zeitro; Zeitro Strata sorts programs into eligible and ineligible, with the reasons.[15]YesBuilt in, with live pricing from integrated wholesale lenders.[16][17]YesThrough integrations: Lender Price, Optimal Blue, Mortech, LoanSifter and LoanNex.[7][18]YesBuilt in, with pricing from 75+ wholesale lenders.[8]YesThrough LoanSifter and Calyx Industry Connect.[19]
Lead captureYesGrowthHub: BlueRate.ai profile, personal website, website widgets and OpenHouse Finder. Leads land in your pipeline.[20]YesLead management, a Realtor portal and a Get Quote lead form.[21][22]PartlyConnects to the contact-management tool you already use.[3]YesLead management built in.[8]YesLead management and email campaigns.[5][23]
EncompassYesThe one-page AI application goes into Encompass with the borrower's documents attached.[24]Not documentedNot described on ARIVE’s public pages.[25]Not documentedNot described on the broker page.[3]Not documentedNot described on the broker page.[8]Not documentedNot described on the Zenly page.[5]
Disclosures, conditions, DU/LPA and lender submissionIn the LOS you already use: Zeitro sends the finished file there as FNM 3.4 or straight into Encompass.[24]Inside ARIVE: disclosures, one-click DU and LPA, and submission to integrated lenders.[2][17][26]Inside LendingPad: disclosure tracking, condition management, DU and LP, and delivery to integrated wholesale lenders.[3][7][11]Inside Sonar: DocMagic disclosures, a conditions tab, DO/DU and LPA, and UWM's and Rocket's portals.[27][28][29]Inside Zenly: Fannie Mae DO and Freddie Mac LPA, and a 3.4 file to the wholesale lender; training covers disclosures.[5][23]
Security, in their wordsSOC 2 audited.[30]Maintains its own SOC 2 Type II program.[10]SOC 2 Type 2 certified.[11]SOC 2 Type II certified.[4]Not documentedNo SOC 2 statement on the Zenly page.[5]
Published priceFree account for loan officers. Paid plans priced on request.[31]From $49.99 per loan officer seat per month, billed yearly.[32]Not published.[3]Not published; quoted by tier.[4]Seat price not published; you pay for what you use.[5]

Zeitro column: from Zeitro’s product pages.

Security: each company’s own wording. Zeitro has not reviewed other companies’ audit reports; ask each vendor for its report before you sign.

Prices as listed on each company’s site on Oct 29, 2026.

Who each one fits

All five serve mortgage brokers. The difference is how much of the work AI does for you.

Zeitro

  • Loan officers and brokers who want a simplified borrower application backed by AI, cited guideline answers, pricing with eligibility reasons and lead capture in one place, and who close in Encompass or another LOS.

Sources: [1][6][9][15]

ARIVE

  • Brokers who want a built-in pricing engine with integrated wholesale lenders and published per-seat prices.

Sources: [17][32]

LendingPad

  • Brokers who want an LOS that connects to the pricing engine they already use.

Sources: [18]

Sonar

  • Brokers who want lead management and a built-in pricing engine inside the LOS, plus AI agents.

Sources: [4][12]

Calyx Zenly

  • Small brokers who want lead management and a point of sale in one cloud platform, paying for what they use.

Sources: [5]

Also on brokers’ lists

Morty sells an all-in-one platform with an LOS, a point of sale and a pricing engine, and is itself a licensed mortgage broker: loans are originated by Morty and funded by third-party lenders. Its pricing page lists plans from $299 a month plus a setup fee, with up to 275 bps per closed loan.[33][34]

Floify is point-of-sale software. Its Broker Edition connects to the LendingPad LOS, Lender Price pricing, Fannie Mae DO and Freddie Mac LPA, and UWM's portal, and Floify says it can serve as a broker's main LOS.[35][36]

How to choose

Five questions narrow it down quickly:

  • Do you need guideline answers with citations across agency and non-QM investors, inside the tool you quote in?
  • Should borrowers answer a few questions and upload their documents while AI builds the loan, or fill in a long form that someone retypes?
  • Do you want a pricing engine built in, or the one you already pay for connected?
  • How do new borrowers find you today, and should those leads land in the same pipeline?
  • Which LOS will you close in, and does the platform send the finished file there?

Frequently Asked Questions

What is the best all-in-one mortgage software for brokers?

It depends on how much of the work you want AI to do. Zeitro puts lead capture, a digital point of sale, your pipeline and loan files, a pricing engine and Zeitro Strata guideline AI in one platform: cited guideline answers from 2,000+ programs and 100+ investors, a simplified borrower application where AI builds the loan from the borrower’s documents, and pricing that sorts programs into eligible and ineligible with reasons. The finished file goes to your LOS as FNM 3.4 or straight into Encompass. ARIVE, LendingPad, Sonar and Calyx Zenly are loan origination systems; ARIVE and Sonar build in a pricing engine.

Which mortgage broker software has a point of sale, a pricing engine and AI?

Of the platforms compared here: Zeitro (a simplified one-page AI application alongside the guided Digital 1003, the Pricing Engine, and Zeitro Strata guideline AI with citations), Sonar (point of sale, built-in pricing engine, AI document sorting and Apex AI agents) and ARIVE (borrower portal, built-in pricing engine and ARIVE AI, in beta). LendingPad includes a point of sale, connects to outside pricing engines and offers AI through a marketplace partner; Calyx Zenly includes a point of sale and connects to LoanSifter.

Which broker software has a simplified borrower application backed by AI?

Zeitro's one-page AI application. Borrowers answer a few questions and upload the documents they already have, and AI builds the loan from them and pre-fills the 1003 for the loan officer to confirm. It works on a phone, so most borrowers finish in one sitting. Borrowers who prefer a form use the guided Digital 1003, and the finished application goes into Encompass with the documents attached or exports as FNM 3.4.

What are the best alternatives to ARIVE for mortgage brokers?

Brokers comparing ARIVE usually look at Zeitro if they want a simplified borrower application backed by AI, guideline AI, pricing and lead capture next to the LOS they already use, and at LendingPad, Sonar and Calyx Zenly, which are also loan origination systems. Morty and Floify come up too: Morty is itself a licensed mortgage broker that sells its platform to loan officers, and Floify is point-of-sale software.

Is Zeitro all-in-one mortgage software?

Yes. Zeitro is an all-in-one AI mortgage workstation: lead capture, a digital point of sale, your pipeline and loan files, a pricing engine and Zeitro Strata guideline AI in one platform. When the file is ready, it goes to your LOS as FNM 3.4 or straight into Encompass.

Which of these platforms publish their prices?

On Oct 29, 2026, ARIVE listed per-seat prices from $49.99 per loan officer per month billed yearly, and Morty listed plans from $299 a month plus a setup fee. LendingPad, Sonar and Calyx Zenly did not publish seat prices. Zeitro has a free account for loan officers and quotes paid plans on request.

Sources

Every statement about another company on this page comes from that company's public website, checked on Oct 29, 2026. Prices and features change, so confirm with the vendor before you buy. If something here is out of date, tell us and we will correct it. Product names are trademarks of their respective owners.

  1. Zeitro: Platform overview. Accessed Oct 29, 2026.
  2. ARIVE: ARIVE: Complete Loan Origination Platform (home page). Accessed Oct 29, 2026.
  3. LendingPad: Broker edition. Accessed Oct 29, 2026.
  4. Sonar: FAQ. Accessed Oct 29, 2026.
  5. Calyx Software: Zenly. Accessed Oct 29, 2026.
  6. Zeitro: Digital 1003. Accessed Oct 29, 2026.
  7. LendingPad: LendingPad (home page). Accessed Oct 29, 2026.
  8. Sonar: Platform for Mortgage Brokers. Accessed Oct 29, 2026.
  9. Zeitro: Zeitro Strata. Accessed Oct 29, 2026.
  10. ARIVE help center: ARIVE AI (Beta) - Doc Classification/Extraction Update. Accessed Oct 29, 2026.
  11. LendingPad: LP Originate. Accessed Oct 29, 2026.
  12. Sonar: Apex AI Agents. Accessed Oct 29, 2026.
  13. LendingPad: Marketplace. Accessed Oct 29, 2026.
  14. Sonar help center: Documents. Accessed Oct 29, 2026.
  15. Zeitro: Pricing Engine. Accessed Oct 29, 2026.
  16. ARIVE help center: Common New User Questions. Accessed Oct 29, 2026.
  17. ARIVE help center: Which Wholesale Lenders Are Integrated with ARIVE?. Accessed Oct 29, 2026.
  18. LendingPad knowledge base: LendingPad Integrated Vendors List. Accessed Oct 29, 2026.
  19. Calyx Software: Zenly Knowledge Base. Accessed Oct 29, 2026.
  20. Zeitro: GrowthHub. Accessed Oct 29, 2026.
  21. ARIVE: Register for Trial. Accessed Oct 29, 2026.
  22. ARIVE help center: Broker Pro Plan Features. Accessed Oct 29, 2026.
  23. Calyx Software: Videos | Zenly Knowledge Base. Accessed Oct 29, 2026.
  24. Zeitro: Integrations & Partners. Accessed Oct 29, 2026.
  25. ARIVE help center: Migrating from your previous LOS into ARIVE. Accessed Oct 29, 2026.
  26. ARIVE help center: New User Onboarding Guide. Accessed Oct 29, 2026.
  27. Sonar help center: Sonar Integrations: Setup Guide & Available Connections. Accessed Oct 29, 2026.
  28. Sonar help center: Q: How do I send conditions to a borrower?. Accessed Oct 29, 2026.
  29. Sonar help center: Integrating Sonar with AUS (Fannie Mae & Freddie Mac). Accessed Oct 29, 2026.
  30. Zeitro: Security. Accessed Oct 29, 2026.
  31. Zeitro: Zeitro home page. Accessed Oct 29, 2026.
  32. ARIVE: ARIVE Pricing. Accessed Oct 29, 2026.
  33. Morty: Morty (home page). Accessed Oct 29, 2026.
  34. Morty: Pricing. Accessed Oct 29, 2026.
  35. Floify: Floify: Digital Mortgage Point-of-Sale Software. Accessed Oct 29, 2026.
  36. Floify: Floify Broker Edition. Accessed Oct 29, 2026.

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