# Calyx Point / Path vs Zeitro: Side-by-Side Comparison

> Calyx Point / Path vs Zeitro comparison for 2026. Features, pricing, deployment, and which platform fits your institution best.

Source: https://thelosdirectory.com/compare/auto/calyx-vs-zeitro

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Mortgage LOS 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
- **G2 Rating**: 3.7/5 (13 reviews)

[Full Calyx Point / Path review](https://thelosdirectory.com/platforms/calyx)

### 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

[Full Zeitro review](https://thelosdirectory.com/platforms/zeitro)

## 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

## Deep Dive

[Calyx Point / Path Full Profile](https://thelosdirectory.com/platforms/calyx) [Zeitro Full Profile](https://thelosdirectory.com/platforms/zeitro)

## 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.

### Not sure which platform is right?

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[Try the LOS Finder](https://thelosdirectory.com/tools/los-finder)

### Related

[Calyx Point / Path Full Review](https://thelosdirectory.com/platforms/calyx) [Zeitro Full Review](https://thelosdirectory.com/platforms/zeitro) [Calyx Point / Path Alternatives](https://thelosdirectory.com/alternatives/calyx) [Zeitro Alternatives](https://thelosdirectory.com/alternatives/zeitro) [All Comparisons](https://thelosdirectory.com/compare) [How to Choose an LOS](https://thelosdirectory.com/guides/how-to-choose)

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