Keythos is the unified fintech platform empowering lenders and guiding borrowers — through AI-powered income analysis, secure document management, intelligent automation, and a seamless journey from lead to lifetime value.
What used to take loan officers and underwriters hours of manual calculation is done in minutes — freeing your team to close more loans.
AI reads every line of every return — no missed deductions, no manual entry errors, no costly mistakes.
Every report is fully documented with complete methodology and ready for underwriter review — fewer conditions, faster closings.
When income analysis takes minutes instead of hours, your team can handle more loans without adding headcount — a direct impact on the bottom line.
Upload business tax return PDFs and get a complete, compliant income calculation in minutes — no manual entry, no errors.
AI reads and extracts every line from business tax returns automatically — nothing is missed.
Every calculation follows published lending guidelines and the Schedule Analysis Method.
Designed for any loan type that requires business tax return income analysis.
Handle partnerships with multiple owners in a single analysis.
Stop spending hours manually calculating income from complex business returns. Get accurate results in minutes and move loans faster.
Handle more self-employed borrowers with confidence. QualifyIQ does the heavy lifting so you can focus on the relationship.
Receive fully documented, audit-ready income reports that show every calculation step — fewer conditions, faster decisions.
No training required. Upload your tax returns and QualifyIQ handles everything else.
Drag and drop business tax return PDFs — two years at once.
Azure Document Intelligence reads and extracts every line automatically.
Choose the borrower from extracted data. Add additional income sources if needed.
Fully documented income report with complete methodology — ready for your underwriter.
JASON AI — Journey-based Automation for Sales, Originations, and Nurturing — is Keythos's always-on AI engine. It powers the CRM, guides borrowers through Covalent, and serves as a financial literacy assistant inside the Clarity portal.
Learn About JASON AI →Runs drip campaigns, monitors rate triggers, watches DTI and LTV — alerts you of potential sales opportunities automatically.
Available 24/7 on the borrower portal — answers questions, provides updates, and drives borrowers toward closing.
Takes your existing MLO expertise and amplifies it — communication, problem-solving, marketing, and guidelines all powered up.
Automates mortgage process steps — income verification, document requests, and status updates without manual intervention.
QualifyIQ is now in beta. The full Keythos platform is coming — built to cover every step of the mortgage journey.
AI-powered income analysis from business tax returns. Get a complete, compliant income calculation in minutes.
Secure encrypted document vault where borrowers store financial docs once — and grant loan officers controlled, time-limited access when it's time to apply.
Your always-on AI engine — powering the CRM, guiding borrowers, and automating every step of the mortgage process from lead to close.
The command center of your mortgage business — powered by JASON AI. Pipeline management, lead nurturing, and marketing automation in one place.
The borrower origination portal — bringing together loan status, documents, communication, and milestones in one secure, guided experience powered by JASON AI.
Done-for-you mortgage marketing — rate alerts, branded social content, and AI-generated campaigns running automatically on your behalf.
Business tax return income analysis is the most time-consuming, error-prone task in the loan process. We built Keythos to fix that first — then the entire journey.
Azure AI reads every line of every return. No manual entry, no errors, no missed add-backs.
Every calculation is documented with complete methodology so reports hold up under scrutiny.
QualifyIQ connects to VaultIQ, Covalent, and the Keythos CRM — so your tools work together, not in silos.
Select two years of business tax return PDFs — drag and drop both at once.
Azure Document Intelligence reads and extracts every line from the returns automatically.
Choose the borrower from the extracted data and add any additional income sources.
A fully documented income report with complete methodology — ready for the underwriter.
Start analyzing business tax returns in minutes. No setup, no training, no account required.
Try QualifyIQ Free Today