Zeitro vs ARIVE
Both are built for mortgage brokers. ARIVE is a loan origination platform. Zeitro is an all-in-one AI mortgage workstation: cited guideline answers, an application that AI builds from the borrower’s documents, pricing and your pipeline in one place.
Disclosure: Zeitro publishes this comparison. Every statement about ARIVE links to ARIVE's own website or public 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 for loan officers, brokers and lenders: lead capture, a digital point of sale, your pipeline and loan files, a pricing engine and Zeitro Strata guideline AI in one platform. AI does the work across the file: Zeitro Strata answers loan scenarios with the guideline cited, the one-page AI application builds the loan from the borrower’s documents, and the Pricing Engine sorts programs into eligible and ineligible with the reasons. When the file is ready, it goes to your LOS as FNM 3.4 or straight into Encompass.[1][4][6][7]
ARIVE calls itself a complete loan origination platform for independent mortgage brokers, with a borrower portal, a built-in pricing engine and a marketplace of integrated wholesale lenders. Its AI features are in beta: a chat for lender guideline questions, while its document classification and extraction beta was rolled back on Aug 30, 2026.[2][3][5]
If you want cited guideline answers, AI that reads borrower documents, and lead capture next to the LOS you already use, Zeitro is the better fit. If you want one broker LOS built around ARIVE’s lender marketplace, ARIVE is.
Zeitro and ARIVE, 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; much of ARIVE’s help center needs a login.
| What you need | Zeitro | ARIVE |
|---|---|---|
| What it is | All-in-one AI mortgage workstation: lead capture, digital point of sale, pipeline and loan files, pricing engine and guideline AI.[1] | Loan origination platform with a borrower portal, a pricing engine and a wholesale lender marketplace.[2][3] |
| Guideline AI | YesZeitro Strata answers borrower scenarios with the guideline cited, from 2,000+ programs and 100+ investors across agency and non-QM lending, in DeepSearch or Fast mode.[4] | PartlyARIVE AI (beta) includes a chat for lender guideline questions.[5] |
| Answers from your own guidelines | YesAdd your own programs, overlays and price sheets, so the answers are yours.[4] | Not documentedNot described on ARIVE’s public pages.[5] |
| AI on borrower documents | YesThe one-page AI application builds the loan from the borrower's documents. AI reads pay stubs, W-2s, bank statements and tax returns and pre-fills the 1003 for you to confirm.[6] | PartlyDocument classification and extraction beta, rolled back for all organizations on Aug 30, 2026.[5] |
| Pricing engine | YesConventional, 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.[7] | YesBuilt-in engine with live pricing from integrated wholesale lenders, fee worksheets, total cost analysis and rate alerts. ARIVE says it is not designed for hard money or private lending.[2][8][9] |
| AI calculators | YesFree income, self-employment, DSCR and rental income calculators that run on Zeitro Strata.[4] | Not documentedNot described on ARIVE’s public pages.[5] |
| Lead capture | YesGrowthHub: a BlueRate.ai loan officer profile, a personal website, website widgets and OpenHouse Finder. Leads land in your pipeline.[10] | YesLead management, a Realtor portal, and a Get Quote lead form on Broker Pro.[11][12][13] |
| Borrower application | YesGuided Digital 1003 on any device, or the one-page AI application. Borrowers upload documents and see what is still needed.[6] | YesBranded, mobile-friendly portal where borrowers apply and upload documents.[2][14] |
| Pipeline and loan files | YesYour applications, pipeline and loan files, with DTI, credit and documents in each file.[1][6] | YesPipeline, pre-approvals and document storage, with the LOS covering intake to funding.[2][3] |
| Encompass | YesThe one-page AI application goes into Encompass with the borrower's documents attached.[15] | Not documentedNo Encompass connection is described on ARIVE’s public pages.[16] |
| Credit reports | YesOrdered inside Zeitro with your own credit vendor account.[15] | YesMore than 30 supported credit vendors are listed in its help center.[17] |
| File import and export | YesMISMO 3.4 import, and FNM 3.4 export that opens in LendingPad, Encompass and other LOSs.[15] | YesImports FNMA 3.2 and MISMO 3.4 files, and exports a 3.4 file for lenders it is not integrated with.[8][16] |
| Disclosures, DU/LPA and lender submission | In the LOS you already use: Zeitro sends the finished file there as FNM 3.4 or straight into Encompass.[15] | Inside ARIVE: disclosures, one-click DU and LPA, and submission to its integrated lenders.[2][18][19] |
| Security | SOC 2 audited.[20] | Says it maintains its own SOC 2 Type II program; borrower data encrypted in transit and at rest.[5][21] |
| Published price | Free account to try Zeitro Strata, the Pricing Engine and the Digital 1003. Paid plans are priced on request.[22] | Per seat: Broker Core $49.99 per loan officer per month billed yearly ($59.99 monthly), Broker Pro $69.99 ($79.99 monthly), plus support seats.[12] |
Zeitro column: from Zeitro’s product pages.
ARIVE column: from arive.com and ARIVE’s public help center, checked Oct 29, 2026. ARIVE says plan and pricing updates for next year are coming, so check its pricing page before you buy.
Who each one fits
Both are used by mortgage brokers. The right one depends on how much of the work you want AI to take on.
Zeitro is the better fit if
- You want cited answers to guideline questions across agency and non-QM programs, from 100+ investors, while you quote and take applications.
- You want AI to build the 1003 from the borrower’s documents instead of retyping them.
- You want lead capture, the application, your pipeline and pricing in one place, with the finished file going to Encompass or the LOS you already run.
ARIVE fits if
- You want one broker LOS built around its lender marketplace, and you submit mostly to the wholesale lenders ARIVE integrates with.
Frequently Asked Questions
Zeitro vs ARIVE: which is better for mortgage brokers?
It depends on how much of the work you want AI to do. Zeitro is an all-in-one AI mortgage workstation: Zeitro Strata answers loan scenarios with the guideline cited from 2,000+ programs and 100+ investors, the one-page AI application builds the loan from the borrower’s documents, and lead capture, your pipeline and a pricing engine sit in the same platform, with the finished file going to your LOS as FNM 3.4 or straight into Encompass. ARIVE is a loan origination platform for independent brokers built around a marketplace of integrated wholesale lenders; its AI features are in beta.
Does Zeitro have more AI than ARIVE?
Zeitro's AI covers guideline answers with citations (Zeitro Strata), an application that AI builds from the borrower's documents, AI that reads pay stubs, W-2s, bank statements and tax returns to pre-fill the 1003, eligibility sorting in the Pricing Engine, and free AI income and DSCR calculators. ARIVE's help center describes ARIVE AI as a beta with a chat for lender guideline questions and an optional borrower chat assistant; its document classification and extraction beta was rolled back on Aug 30, 2026.
Is Zeitro a loan origination system like ARIVE?
Your applications, pipeline and loan files live in Zeitro, with AI that builds the 1003 from the borrower’s documents. When the file is ready, Zeitro exports it as FNM 3.4, which opens in LendingPad, Encompass and other LOSs, or sends it straight into Encompass, where disclosures, automated underwriting and closing happen.
How much does ARIVE cost?
ARIVE's pricing page lists prices per seat. On Oct 29, 2026, Broker Core was $49.99 per loan officer seat per month billed yearly ($59.99 billed monthly) and Broker Pro was $69.99 ($79.99 monthly), with lower-priced support seats. ARIVE has said plan and pricing updates for next year are coming.
How much does Zeitro cost?
Loan officers can create a free account and try Zeitro Strata, the Pricing Engine and the Digital 1003 on their own loans. Paid plans for teams are priced on request; book a demo to get a quote.
Can I use Zeitro and ARIVE together?
Yes. Zeitro Strata answers guideline questions on its own, so it can sit next to ARIVE. Zeitro also exports FNM 3.4 files, and ARIVE's help center says it imports MISMO 3.4 files; test a file with your own account before you rely on it.
What are the alternatives to ARIVE for mortgage brokers?
Brokers usually compare ARIVE with other platforms that combine a point of sale, a pricing engine and loan files. Our comparison of all-in-one mortgage software for brokers puts Zeitro, ARIVE and other broker platforms side by side, with sources for every cell.
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.
- Zeitro: Platform overview. Accessed Oct 29, 2026.
- ARIVE: ARIVE: Complete Loan Origination Platform (home page). Accessed Oct 29, 2026.
- ARIVE help center: What Is ARIVE?. Accessed Oct 29, 2026.
- Zeitro: Zeitro Strata. Accessed Oct 29, 2026.
- ARIVE help center: ARIVE AI (Beta) - Doc Classification/Extraction Update. Accessed Oct 29, 2026.
- Zeitro: Digital 1003. Accessed Oct 29, 2026.
- Zeitro: Pricing Engine. Accessed Oct 29, 2026.
- ARIVE help center: Common New User Questions. Accessed Oct 29, 2026.
- ARIVE help center: Who Can Sign Up for ARIVE and How do I Get Started?. Accessed Oct 29, 2026.
- Zeitro: GrowthHub. Accessed Oct 29, 2026.
- ARIVE: Register for Trial. Accessed Oct 29, 2026.
- ARIVE: ARIVE Pricing. Accessed Oct 29, 2026.
- ARIVE help center: Broker Pro Plan Features. Accessed Oct 29, 2026.
- ARIVE help center: Does ARIVE Support Mobile & Tablet Devices?. Accessed Oct 29, 2026.
- Zeitro: Integrations & Partners. Accessed Oct 29, 2026.
- ARIVE help center: Migrating from your previous LOS into ARIVE. Accessed Oct 29, 2026.
- ARIVE help center: Which Credit Vendors Are Supported in ARIVE?. Accessed Oct 29, 2026.
- ARIVE help center: New User Onboarding Guide. Accessed Oct 29, 2026.
- ARIVE help center: Which Wholesale Lenders Are Integrated with ARIVE?. Accessed Oct 29, 2026.
- Zeitro: Security. Accessed Oct 29, 2026.
- ARIVE help center: How Is Consumer Private Data Protected?. Accessed Oct 29, 2026.
- Zeitro: Zeitro home page. Accessed Oct 29, 2026.
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