Comparison

Vicario (Aria)
vs Zeitro Strata

Vicario - Aria

Vicario is a mortgage scenario AI and active pipeline intelligence tool. Describe any borrower situation and Aria returns qualifying logic, program options, which lender to call, and state-specific DPA availability. Connect your CRM or upload a pipeline CSV and Aria surfaces what needs attention across your active deals.

Zeitro Strata

Zeitro Strata (formerly GuidelineGPT, rebranded March 2026) is a mortgage scenario AI that answers loan officer questions and cites the exact guideline source and page behind every answer.

Also compare

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Feature

Vicario - Aria

Zeitro Strata

Core product type

✓Mortgage scenario AI and active pipeline intelligence. Describe any borrower scenario and Aria returns qualifying logic, program options, which lender to call, and state-specific DPA availability. Connect your CRM or upload a pipeline CSV and Aria surfaces rate lock expirations, stale files, and closing deadlines across your active deals so you know exactly where to start each morning.

Mortgage scenario AI trained on agency and non-QM guidelines. Rebranded from GuidelineGPT to Strata AI in March 2026. No pipeline intelligence or active deal management.

Guideline training

✓Trained on Fannie Mae, Freddie Mac, FHA, VA, and USDA guidelines. Aria handles DTI edge cases, AUS strategy, condo project review, employment gap scenarios, and agency differences.

✓Agency guideline training including conventional and government loan scenarios. Comparable depth on standard guidelines.

DPA program knowledge

✓State HFA programs across all 50 states. Aria knows program structures, income limits, and typical credit requirements for CalHFA, Florida Housing, TSAHC, MassHousing, SONYMA, OHFA, and more.

Limited DPA program knowledge. State HFA program depth is narrower than Aria.

Non-QM and lender overlay research

✓Aria researches deals against specific lenders by scenario type: bank statement (Angel Oak, A&D, Acra, LendSure), DSCR (UWM Investors Flex, Acra, Defy), ITIN/foreign national (Acra, A&D), and fix-and-flip. You make the call.

Lender-specific guideline access through lender partnerships tracking 300+ guidelines. Non-QM overlay research less developed than Aria's named-lender approach.

Geographic coverage

✓Agency guidelines and DPA programs for all 50 states. Lender overlay research is not restricted by geography.

✓National platform with agency coverage across all states.

Org-scoped conversation memory

✓Every LO at the same organization shares Aria conversation history. Context builds across the team so Aria gets more useful as the org uses it.

No org-scoped persistent memory. Context does not carry between sessions or across team members.

Confidence and hedging

✓Aria explicitly signals uncertainty when guidelines are evolving or lender-specific. It names the specific action to take (call the AE, verify with the HFA) rather than leaving the MLO without a next step.

Strata cites the exact guideline source and page number behind every answer. Strong transparency -- you can verify the rule directly without guessing what to look up.

Enterprise and partner API

✓Enterprise accounts with multi-seat management available directly on the Vicario platform. Platform integration into your own tools is available upon request when setting up your enterprise account. Supports lender-specific training: upload custom guidelines, overlays, or product sheets and Aria is trained on that lender's knowledge.

Enterprise access available with lender guideline partnerships. No platform-based seat management, lender-specific training, or partner API for third-party embedding.

Pricing

✓Free trial with unlimited queries, then $49/month for individual access. Enterprise pricing on request.

Free Explorer tier: 3 daily queries. Paid tiers not publicly listed. Enterprise pricing on request.

Pipeline Intelligence

Reads your active pipeline

✓Connect Follow Up Boss or GoHighLevel via native API, or upload a CSV from any LOS. Aria reads your current pipeline and delivers a prioritized brief on what needs attention today.

No.

Surfaces deals at risk each morning

✓Rate lock expirations within 7 days, closing deadlines, and stale files over 30 days are surfaced automatically. Aria organizes your pipeline into Red, Yellow, and Momentum zones so you know exactly where to start each morning.

No.

Pipeline delta detection

✓Aria compares your pipeline between sessions and flags deals that have moved stages, changed status, or gone stale since your last review. Nothing falls through the cracks between sessions.

No.

Works with any CRM export

✓Upload a CSV from any LOS or mortgage CRM. Encompass, Calyx, LendingPad, BytePro, Floify, Shape, and BNTouch all work out of the box. No integration project required.

No.

Source citation

✓Aria cites the specific guidelines, programs, and lender overlays it draws from in every answer. Aria also flags when information may be lender-specific and names exactly who to call or verify with.

Every answer cites the exact guideline document and page number. Structured citation format is strong for formal audit trails.

Language support

English only.

✓English, Spanish, and Chinese. Broader accessibility for multilingual teams.

Knowledge curation

✓Aria's knowledge base is actively maintained. Gaps are flagged, reviewed, and resolved by the team.

No structured knowledge curation pipeline.

The Bottom Line

Zeitro Strata and Aria are the most direct comparison in this set -- both are purpose-built mortgage scenario AIs. Strata's standout feature is source citation: it shows you the exact page of the lender manual behind every answer. That is a genuine strength for teams that need audit-ready documentation. Where Aria pulls ahead is depth and memory. Aria goes deeper on DPA program research across all 50 states, lender overlay research for specific non-QM deal types by lender name, and org-scoped conversation memory that builds context across your team over time. Aria also reads your active pipeline and flags what needs attention today -- Strata does not do that. Strata supports English, Spanish, and Chinese. Both tools are materially better than general chatbots for mortgage scenario work. Aria is the only tool that knows every guideline, every lender overlay, and every deal in your active pipeline.

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Trained on Fannie, Freddie, FHA, VA, and USDA guidelines. All 50-state DPA programs.