One platform for the whole loan.
Zeitro Strata, the Pricing Engine, the Digital 1003 and GrowthHub work as one system, from the first lead to the finished 1003.
Loan origination software for brokers
For mortgage brokers and loan officers, Zeitro is an 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. Disclosures, automated underwriting and closing stay in your LOS. When the file is ready, it goes there as FNM 3.4 or straight into Encompass.
Four products that share one loan file.
Each one works on its own. Together they carry a loan from the first inquiry to a file your LOS can open.
Zeitro Strata
Cited answers to any loan scenario, from 2,000+ programs and 100+ investors.
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Pricing Engine
Conventional, non-QM and private lending in one search, with your own investors and margins.
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Digital 1003
AI builds the 1003 from borrower documents, with FNM 3.4 export and a push to Encompass.
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GrowthHub
A BlueRate.ai profile, a personal website and website widgets that bring borrowers to you.
Learn moreOne loan, start to finish
The same borrower, the same file, handed from one product to the next without retyping.
- GrowthHub
A borrower reaches out
They find your page on BlueRate.ai, or fill in a widget on your own site.
- Zeitro Strata
You check the scenario
Programs that fit, with the guideline cited.
- Pricing Engine
You quote the loan
Conventional, non-QM and private lending in one search.
- Digital 1003
The 1003 is ready
Built from the borrower's documents, then exported as FNM 3.4 or sent to Encompass.
Zeitro Strata is the engine behind every product.
It is trained on more than 2,000 mortgage underwriting programs from over 100 investors.
- When you ask it
- Answers your scenario with the guideline cited.
- In the Pricing Engine
- Sorts programs into eligible and ineligible before you quote.
- In the Digital 1003
- Reads borrower documents and builds the 1003 from them.
- In GrowthHub
- Answers borrower questions on BlueRate.ai and passes the lead to you.
- On your guidelines
- Answers your loan officers, AEs or brokers from your own programs.
Built to hand off to your LOS.
Your applications, pipeline and loan files live in Zeitro. It builds the 1003, then exports FNM 3.4 or sends the finished file to Encompass or the LOS you already run.
- FNM 3.4 export
- Push to Encompass
- Credit reports from Xactus and other credit vendors
What runs in Zeitro, and what stays in your LOS
| Step | What you get | Where it happens |
|---|---|---|
| Lead capture | A BlueRate.ai profile, a personal website and website widgets. Leads land in your pipeline. | Zeitro (GrowthHub) |
| Application | The one-page AI application builds the loan from the borrower's documents, or borrowers fill in the guided 1003. | Zeitro (Digital 1003) |
| Pipeline and loan files | Loan stages, one loan file from application to closing details, automatic document requests and reminders, and roles for loan officers, processors, owners and managers. | Zeitro |
| Credit, DTI and income | Credit reports with your own credit vendor account, DTI for every borrower and income calculation, including self-employed income. | Zeitro |
| Pricing | Conventional, government, jumbo, non-QM, HELOC and second liens in one search, with your own investors, overlays and compensation. | Zeitro (Pricing Engine) |
| Guidelines | Cited answers to loan scenarios from more than 2,000 programs and 100+ investors. | Zeitro (Zeitro Strata) |
| Handoff | FNM 3.4 export that opens in LendingPad, Encompass and other LOSs, or the one-page application straight into Encompass. | From Zeitro to your LOS |
| Disclosures, automated underwriting and closing | Zeitro hands over the finished file, and these steps happen where you close loans. | Your LOS |
Frequently asked questions
Is Zeitro a loan origination system (LOS)?
Your applications, pipeline and loan files live in Zeitro. It builds the 1003, then exports FNM 3.4 or sends the finished file to Encompass or the LOS you already use.
What do brokers still use their LOS for?
Disclosures, automated underwriting and closing. Zeitro hands the finished file to the LOS you use, as FNM 3.4 or straight into Encompass, so nobody retypes it.
Is Zeitro built for mortgage brokers?
Yes. Loan officers and brokers use it to find borrowers, take the application, keep the pipeline and loan files, price loans across their lenders and check guidelines. Wholesalers and lenders run it on their own guidelines and rates.
Do I have to use every product?
No. Each product works on its own.