The Keythos Platform

Smart Automation From Lead to Loan

One unified platform — AI-powered income analysis, secure document vault, intelligent automation, CRM, and a seamless borrower experience. Built by mortgage professionals who understand the work.

QualifyIQ — Beta VaultIQ JASON AI Keythos CRM ️ Covalent Marketing Suite
Now in Beta

QualifyIQ

AI-Powered Income Calculator

Upload business tax return PDFs and get a complete, compliant income calculation in minutes — no manual entry, no errors. Connects to VaultIQ and Covalent for seamless document access.

  • Full Tax Return Extraction

    AI reads and extracts every line from business tax returns automatically — nothing is missed or manually entered.

  • Compliant Income Calculations

    Calculations follow published lending guidelines and the Schedule Analysis Method.

  • Multi-Partner Support

    Handle partnerships with multiple owners in a single analysis.

  • Audit-Ready PDF Reports

    Every report includes full methodology documentation — ready for underwriter review.

  • Connects to the Full Platform

    Integrates with VaultIQ for document access and Covalent for borrower-facing output.

Launch QualifyIQ Free →
How QualifyIQ Works
1

Upload two years of business tax return PDFs

2

AI extracts every line — income, deductions, add-backs, schedules

3

Select the borrower and any additional income sources

4

Download a fully documented PDF report for your underwriter

What gets analyzed
Business Tax Returns Partnership Returns K-1 Schedules Depreciation Add-Backs Depletion Add-Backs Multi-Year Trending
Coming Soon

VaultIQ

Secure Intelligent Document Vault

A secure, encrypted document vault that simplifies mortgage file management. Borrowers store all financial documents in one place — and grant loan officers controlled, time-limited access. CPAs, bankers, and financial advisors can upload directly via shareable links.

  • Encrypted Private Storage

    Highly encrypted vault where clients store all financial documents — tax returns, bank statements, pay stubs — in one secure location.

  • Shareable Upload Links

    Share upload-only access with CPAs, bankers, or financial advisors so they can drop documents directly into your vault automatically.

  • Shareable Download Links

    Grant loan officers folder-level download access with a time-limited login — they see only what you share, and access expires on your schedule.

  • Connected to QualifyIQ & Covalent

    Documents stored in VaultIQ flow directly into QualifyIQ for income analysis and into Covalent for the loan application process.

Join Waitlist →
Borrower's VaultIQ
Tax Returns (2022–2024)
Loan Officer AccessExpires in 3 days
Bank Statements
Loan Officer AccessExpires in 3 days
CPA Uploads — Auto-Received
Upload Link Shared with CPA
Personal Documents
No Access Granted
Loan officer logs in → sees only shared folders → access expires automatically
Coming Soon

JASON AI

Journey-based Automation for Sales, Originations, and Nurturing

JASON AI is your always-on virtual loan assistant and automation engine. It powers the Keythos CRM, guides borrowers through the Covalent portal, and serves as a financial literacy assistant — automating the mortgage process from hello to home.

  • CRM Automation Engine

    Runs drip campaigns, triggers tasks, monitors rate triggers, DTI, LTV — any parameter you set, JASON AI actively monitors and alerts you to potential sales.

  • Borrower-Facing Assistant

    Available 24/7 on Covalent and Clarity — answers questions, provides loan status updates, and guides borrowers step by step toward closing.

  • Process Automation

    Automates mortgage processing steps — income verifications, document requests, underwriting workflows, and status updates without manual effort.

  • Elevates Your MLO Skills

    Takes your existing expertise and amplifies it — communication, marketing, guidelines, product knowledge, and time management all powered up.

Join Waitlist →
What JASON Stands For
J
Journey-based

Follows every borrower from first contact to closing and beyond

A
Automation

Handles repetitive tasks so you focus on relationships

S
Sales

Monitors triggers and surfaces opportunities automatically

O
Originations

Speeds up processing, income verification, and underwriting

N
Nurturing

Keeps past clients engaged and drives future business back to you

Coming Soon

Keythos CRM

Powered by JASON AI — The Command Center of Your Mortgage Business

A mortgage-first CRM built around the borrower journey. JASON AI runs your CRM on overdrive — monitoring campaigns, watching triggers, scoring leads, and keeping your pipeline moving without manual effort.

  • Centralized Client Intelligence

    All borrower interactions, touchpoints, and loan statuses in one place — no dropped balls, no missed opportunities.

  • AI-Powered Automated Marketing

    JASON AI sends personalized campaigns, monitors rate triggers, and alerts you of potential sales based on the parameters you set.

  • Automated Lead Nurturing

    Drip campaigns, task triggers, and reminders tied to borrower behavior — reactivating cold leads with personalized messaging at scale.

  • Improved Conversion Rates

    Lead scoring, engagement insights, and funnel optimization based on real data — not guesswork.

  • Scalable Across Teams

    Add agents, LOs, or processors easily. Assign leads, set team goals, and measure performance across a branch or national operation.

Join Waitlist →
Pipeline Command Center
New Leads12 borrowers
In Processing8 borrowers
Clear to Close5 borrowers
JASON AI: 3 borrowers haven't been contacted in 14+ days
JASON AI: Rates dropped — 23 past clients may be eligible to refinance
Coming Soon

Covalent

Borrower POS Origination Portal — Powered by JASON AI

The connected borrower portal that brings together loan status, documents, communication, and milestones into one secure, guided experience. Borrowers always know where they are in the process — and JASON AI is there every step of the way.

  • Streamlined Loan Application

    A clean, borrower-friendly interface guiding applicants through the loan application step by step — on any device.

  • JASON AI Built In

    JASON AI guides borrowers, answers questions, provides real-time updates, and keeps the process moving without human intervention.

  • Real-Time Status & Milestones

    Borrowers stay informed at every stage — fewer "where are we?" calls, more confident clients.

  • Connected to VaultIQ & QualifyIQ

    Documents from VaultIQ flow directly in. Income from QualifyIQ is accessible. All handoffs are seamless.

  • Seamless LOS Handoff

    Application data flows directly into your loan origination system — no re-keying, no errors, no delays.

Join Waitlist →
Borrower Journey in Covalent
1

Borrower clicks your link — starts guided application from any device

2

JASON AI guides them — answers questions, fills gaps, keeps momentum

3

VaultIQ pulls documents — no chasing, no email attachments

4

Milestone updates sent automatically — borrower always knows their status

5

Auto-submitted to your LOS — you get notified, deal moves forward

Coming Soon

Marketing Suite

Powered by JASON AI

Done-for-you mortgage marketing that runs on autopilot. JASON AI generates personalized outreach, monitors rate and market triggers, and keeps you top-of-mind with borrowers and referral partners — automatically.

  • Automated Rate Alert Campaigns

    JASON AI monitors rate triggers and sends personalized alerts to past clients when the time is right.

  • Branded Social Media Content

    AI-generated, mortgage-specific content posted on your behalf — consistently and on brand.

  • Past Client Re-Engagement

    Automated campaigns keep you top-of-mind with closed borrowers — capturing refinance and referral opportunities.

  • AI Content Generation

    JASON AI writes personalized market updates, newsletters, and outreach tailored to each segment of your database.

Join Waitlist →
JASON AI Marketing in Action
Rate Alert — Sent Yesterday
Rates dropped — you may qualify for a lower payment
147 past clients · 34% open rate · 12 replies
Social Post — Scheduled Tomorrow
This week in mortgage: what buyers need to know
AI-generated · Branded to your profile · Auto-posts 9am
Re-Engagement — Running Now
It's been a year — let's see what your home is worth
Targeting 2022–2023 closed borrowers · Fully automated

Start With QualifyIQ Today

QualifyIQ is in beta and free to try right now. The rest of the platform is coming — join the waitlist to be first in line.

Try QualifyIQ Free → Join the Waitlist