Mortgage LOS Comparison
Calyx Point / Path vs Zeitro: Side-by-Side Comparison
Two mortgage loan origination systems compared on features, pricing, compliance, and fit for banks, credit unions, and brokers.
Our Analysis
Brokers originating only agency and FHA/VA loans can stay with Calyx Path's proven $60-$100/month platform backed by decades of market presence. Those venturing into Non-QM, DSCR, and hard money should examine Zeitro — it uniquely handles agency through private lending in one AI-driven LOS. Zeitro's 2021 founding means limited track record, but its AI-powered document processing helps small teams punch above their weight. Budget-constrained agency-only brokers pick Calyx; multi-product originators spanning conventional and private lending pick Zeitro.
At a Glance
Calyx Point / Path
Calyx Software
Full LOS Mortgage
- HQ
- San Jose, CA
- Founded
- 1991
- Deployment
- cloud, desktop
- Size Fit
- Solo / 1-person shops, Small (under $1B assets)
- Pricing
- Calyx Path: $60–$100/user/month (Core/Pro/Premium tiers); Point: legacy per-license pricing
- Users
- Thousands of brokers and small lenders
- Market Share
- Dominant among small brokers; widely used for decades
Zeitro
Zeitro
Niche LOS MortgageDSCRFix & Flip
- HQ
- San Francisco, CA
- Founded
- 2021
- Deployment
- cloud
- Size Fit
- Solo / 1-person shops, Small (under $1B assets)
- Pricing
- Estimated $100–$300/user/month; designed for cost-conscious small teams
- Users
- Not publicly disclosed
- Market Share
- Emerging platform; growing among brokers and small private lenders
Feature-by-Feature Comparison
| Feature | Calyx Point / Path | Zeitro | Edge |
|---|---|---|---|
| Loan Types | Mortgage | Mortgage, DSCR, Fix & Flip | Zeitro |
| Deployment | cloud, desktop | cloud | Calyx |
| Pricing Model | Per-user monthly subscription (tiered plans) | SaaS subscription (per-user monthly) | Tie |
| Pricing Range | Calyx Path: $60–$100/user/month (Core/Pro/Premium tiers); Point: legacy per-license pricing | Estimated $100–$300/user/month; designed for cost-conscious small teams | Tie |
| Product Category | Full LOS | Niche LOS | Tie |
| Core Integrations | Limited — primarily used by brokers, not depositories | Limited — broker-focused, not depository-oriented | Tie |
| Best For | Small mortgage brokers and independent loan officers who need an affordable, straightforward LOS without enterprise complexity | Solo originators, brokers, and small teams that want an AI-driven mortgage LOS supporting agency, FHA/VA, Non-QM, DSCR, and hard money products | Tie |
| Lender Segments | Brokers, Mortgage Banks | Brokers, Mortgage Banks, Private Lenders | Zeitro |
| Size Fit | Solo / 1-person shops, Small (under $1B assets) | Solo / 1-person shops, Small (under $1B assets) | Tie |
Key Differences
- Calyx Point / Path offers cloud and desktop deployment, while Zeitro offers cloud deployment.
- Zeitro additionally supports DSCR, Fix & Flip loan types that Calyx Point / Path does not.
- Calyx Point / Path targets Brokers, Mortgage Banks, whereas Zeitro focuses on Brokers, Mortgage Banks, Private Lenders.
- Calyx Point / Path (founded 1991) has a longer track record, while Zeitro (founded 2021) brings a more modern architecture.
Choose Calyx Point / Path if...
- ▸ Most affordable full-featured mortgage LOS ($60–$100/mo)
- ▸ Simple, intuitive interface — minimal training required
- ▸ Built-in POS eliminates need for separate borrower portal
- ▸ Good wholesale lender connectivity for brokers
Choose Zeitro if...
- ▸ Unusually broad product support — agency through hard money in one LOS
- ▸ AI-driven automation helps small teams punch above their weight
- ▸ Modern, clean interface designed for broker workflows
- ▸ Supports the growing DSCR and Non-QM market segments
Frequently Asked Questions
Does Zeitro support loan types that Calyx cannot?
Yes. Zeitro natively handles DSCR, Non-QM, fix-and-flip, and hard money products alongside agency loans in a single platform. Calyx Path focuses exclusively on conventional mortgage products and lacks any built-in private lending workflows.
Is Zeitro too new to trust with production lending?
Founded in 2021, Zeitro has a limited track record and installed base. Brokers should weigh AI innovation advantages against Calyx's decades-long market presence and reliability.
How does pricing compare?
Calyx Path costs $60-$100/user/month. Zeitro runs $100-$300/user/month. For agency-only brokers, Calyx is cheaper. For multi-product origination across agency and private, Zeitro's premium may be justified.
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Try the LOS FinderAI-powered underwriting by Aloan works with both Calyx Point / Path and Zeitro.