Zeitro Strata adds automated qualifying income calculation for mortgage lenders

Zeitro Strata AI has launched an automated qualifying income calculation feature aimed at helping mortgage originators turn borrower files into verified income figures in seconds. The update is designed to cut underwriting friction, reduce conditions and speed up closings across U.S. mortgage workflows.

Why it matters: - Mortgage underwriting often slows when loan teams have to calculate qualifying income from W-2s, tax returns, K-1s and other documents by hand. - Zeitro Strata AI’s new feature is built to reduce that bottleneck by combining document parsing with guideline checks in one workflow. - The goal is faster pre-qualification, fewer underwriting conditions and shorter time to closing.

What happened: - Zeitro Strata AI released an Automated Qualifying Income Calculation feature for American mortgage originators. - The tool turns borrower financial documents into qualifying income figures in seconds. - The platform automatically performs the math and checks the result against investor guidelines. - The update is part of Zeitro Strata AI, the company’s mortgage guideline assistant.

The details: - Loan officers can upload W-2s, paystubs, personal tax returns, business filings, 1099s, profit and loss statements and written verifications of employment. - The feature categorizes income streams instead of producing only a single total. - Supported categories include W-2 employment income, self-employed and business income, rental and real estate income, and Non-QM and alternative income. - W-2 calculations evaluate base pay, overtime, commissions and bonuses. - Self-employed calculations analyze Schedule C, Schedule K-1, 1099 forms and year-to-date P&L statements, including allowable add-backs. - Rental income calculations handle Schedule E cash flow, adjustments and vacancy factors across multiple properties. - Alternative income support includes asset utilization, bank statement cash flow averages and written verification of employment documents. - Zeitro says the income calculation feature reaches over 85% accuracy. - Zeitro Strata AI also indexes more than 1,000 continuously updated guidelines from over 100 U.S. wholesale lenders. - Listed lender partners include AAA Lending, A&D Mortgage, AmWest, CMG Financial, First Colony Mortgage, Forward Lending, Freedom Mortgage, Giant Lending, Greenbox, HomeXpress Mortgage Corp, Luxury, Mega Capital, MK Lending, Nations Direct and Thunderbird. - The broader platform includes DeepSearch guideline lookup, customizable filtering, citation-backed answers, an Explain function, daily rate comparisons, AMI checks, DPA matching, multi-language queries and sharing by direct link or email. - Zeitro says the platform supports Agency, Government and Non-QM loan types, including Conventional, FHA, VA, Jumbo, DSCR, ITIN, Foreign National, Bank Statement and other programs. - Zeitro says the platform saves 20-plus hours per month per loan officer and 18-plus hours per month per account executive and underwriter. - Zeitro says the software accelerates pre-qualifications by 2.5x and can help originators close 30% more loans. - Zeitro says the system speeds overall closing times by up to 20%.

Between the lines: - The feature pushes mortgage automation beyond document ingestion and into guideline-aware decision support. - That matters because qualifying income is one of the most error-prone parts of loan origination, especially for self-employed and alternative-income borrowers. - The company is also positioning the tool as part of a broader operating system for originators, not just a standalone calculator. - Zeitro is emphasizing measurable productivity gains and ROI to appeal to lenders focused on throughput and operating costs. - The cited Mega Capital deployment is meant to show enterprise impact, not just product capability. - Zeitro says Mega Capital generated $270,935 in value on a $2,390 spend in the first three months after implementation. - Zeitro says Mega Capital saved 3,134 hours in internal communication time and 4,417 hours in manual guideline research time. - Zeitro says the deployment delivered a 113x return on investment in the first quarter.

What's next: - Zeitro is directing originators to test the platform with 10 free queries per day at more information. - The company is likely to use early adoption and enterprise results to drive broader lender uptake. - Mortgage teams evaluating automation tools will be watching whether the income calculation feature reduces manual review time in live production.

The bottom line: - Zeitro Strata AI is betting that faster, guideline-backed income calculations can remove one of mortgage origination’s most persistent bottlenecks while proving value through workflow savings and ROI.