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Zeitro
Zeitro is an AI-native mortgage technology company that builds intelligent software for U.S. mortgage professionals. Founded in 2018 and SOC 2 Type II certified, Zeitro serves wholesale lenders, brokers, loan officers, account executives and underwriters with a unified platform that automates guideline research, borrower qualification, pricing, and application processing. Zeitro is independent of any lender, ensuring complete neutrality across the mortgage ecosystem.
Their llms.txt
The beginning of the file, from our validated copy saved 2026-10-21T15:10:07.486Z. Cached copy · Source on zeitro.com
# Zeitro
> Zeitro is an AI-native mortgage technology company that builds intelligent software for U.S. mortgage professionals. Founded in 2018 and SOC 2 Type II certified, Zeitro serves wholesale lenders, brokers, loan officers, account executives and underwriters with a unified platform that automates guideline research, borrower qualification, pricing, and application processing. Zeitro is independent of any lender, ensuring complete neutrality across the mortgage ecosystem.
Zeitro's platform reduces manual guideline research from 30 minutes to seconds, delivers 2.5× faster pre-qualifications, saves 18+ hrs account executives + underwriter time saved per user, per month, 20+ hrs time saved per LO per month and helps loan professionals close 30% more loans up to 20% faster. With 10,000+ users and AI built by engineering leaders from Google and Apple with deep mortgage-domain expertise, Zeitro covers all major loan types—Conventional (Fannie Mae, Freddie Mac), FHA, VA, USDA, Jumbo, Non-QM, DSCR, Hard Money, and Private Lending—in a single system.
## Products
- [Zeitro Strata AI](https://www.zeitro.com/strata): Zeitro Strata reduces manual guideline lookup time from 30 minutes to seconds and lets users search across 100+ lenders and 1,000+ programs in one place. It supports multilingual input and returns auditable answers with citations to the underlying guideline text. Supports customizable tags (DSCR, ITIN, loan type) to narrow search scope, and supports multilingual input.
- [GrowthHub](https://www.zeitro.com/growthhub): Enables loan officers and brokers to launch a branded microsite on Bluerate (https://www.bluerate.ai) to attract borrower leads through organic search and paid traffic. Features include live rate display cards, borrower-facing pre-qualification forms, local open house discovery, and real estate agent connections. Improves SEO discoverability and builds trust with professional branding.
- [Digital 1003 (POS)](https://www.zeitro.com/application): End-to-end digital borrower application system. Allows borrowers to pre-qualify online, auto-generates 1003 forms from borrower data, calculates Debt-to-Income (DTI) in real time using AI, runs instant credit checks, and exports data in FNM 3.4 format for seamless lender integration. Achieves 90% borrower application with great brrower experience.
- [Pricing Engine (PPE)](https://www.zeitro.com/pricing-engine): Real-time rate quote tool for conventional and Non-QM loan products. Supports custom investor integrations, program addition requests, overlay adjustments, and borrower-facing rate display. Includes a dedicated Non-QM pricing engine for borrowers outside traditional lending criteria, improving private lending customer acquisition.
## Target Users
Zeitro is designed for U.S.-based mortgage professionals, including:
- **Loan Officers (LOs)**: Independent and bank-affiliated LOs who need instant guideline answers, fast pre-qualifications, and a digital application workflo
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