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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.

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Zeitro Digital 1003 showing a borrower's Uniform Residential Loan Application

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 answering a condo concentration question, with the Fannie Mae guideline it used open beside the answerA loan officer asks Zeitro Strata about the limit on financed units in one condo project, and the answer begins

Zeitro Strata

Cited answers to any loan scenario, from 2,000+ programs and 100+ investors.

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Pricing Engine search with eligible loan programs, rates and prices side by sidePricing Engine results: eligible QM programs, each with lender and product, rate and APR, and price

Pricing Engine

Conventional, non-QM and private lending in one search, with your own investors and margins.

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Digital 1003 showing a Uniform Residential Loan Application with its sectionsA loan in Zeitro with the borrower's DTI, LTV and loan amount, and a filled-in section of the Uniform Residential Loan Application

Digital 1003

AI builds the 1003 from borrower documents, with FNM 3.4 export and a push to Encompass.

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Personal website builder with a live preview of a loan officer's pagePersonal website builder: the site's web address, a Publish button, and the steps for profile, borrower tools and website sections

GrowthHub

A BlueRate.ai profile, a personal website and website widgets that bring borrowers to you.

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One loan, start to finish

The same borrower, the same file, handed from one product to the next without retyping.

  1. GrowthHub

    A borrower reaches out

    They find your page on BlueRate.ai, or fill in a widget on your own site.

  2. Zeitro Strata

    You check the scenario

    Programs that fit, with the guideline cited.

  3. Pricing Engine

    You quote the loan

    Conventional, non-QM and private lending in one search.

  4. 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.

Zeitro is a point of sale, not a loan origination system. It takes the application and 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
See all integrations
1,200+
mortgage firms running on Zeitro
2,000+
mortgage programs
100+
mortgage investors
SOC 2
Type II audited security

Frequently asked questions

Is Zeitro a loan origination system (LOS)?

No. Zeitro is a point of sale. It takes the application and builds the 1003, then exports FNM 3.4 or sends the finished file to Encompass or the LOS you already use.

Do I have to use every product?

No. Each product works on its own.