MOZAIQ vs Guideline Guru

What the rubric says

MOZAIQ and Guideline Guru are both scored in AI & Automation. MOZAIQ carries an overall of 4.6, Guideline Guru an overall of 3. The widest gap between them is Integrations and ecosystem, at 2.1 of a point. That axis measures how well it reaches the rest of the stack. MOZAIQ takes it, 4.4 to 2.3.

Where the five axes separate

On Integrations and ecosystem the record favours MOZAIQ, 4.4 against 2.3. On Functionality and depth the record favours MOZAIQ, 4.7 against 2.8. On Production impact the record favours MOZAIQ, 4.9 against 3.1. On Return on spend the record favours MOZAIQ, 4.4 against 3.3. On Adoption and support the record favours MOZAIQ, 4.2 against 3.8.

Pricing posture

MOZAIQ does not publish pricing. Its listed model is per-loan pricing referenced by a client, no rates published. Guideline Guru does not publish pricing. Its listed model is quote only, with a free trial; eresi correspondents receive free access to eresi guidelines.

Deployment and who each one targets

Deployment for MOZAIQ: Cloud, Encompass integration, with an operations team in India. Deployment for Guideline Guru: Cloud, browser-based, no LOS integration. Segment focus for MOZAIQ: Wholesale and retail lenders on Encompass automating fulfillment rather than point tasks. Segment focus for Guideline Guru: Loan officers, underwriters and scenario desks answering program eligibility questions. The two entries name different buyers.

What each record credits

MOZAIQ: Client The Loan Store won Celent’s 2026 Model Bank Award for Lending Innovation. MOZAIQ: Encompass is named, with delivery to both agencies and the major aggregators. MOZAIQ: Analyzers cover income, credit, title, appraisal and assets, not one document type. Guideline Guru: Covers 100-plus programs, including non-QM and bond, where lookup errors cost most. Guideline Guru: Ingests your overlays and announcements, so answers match your credit policy. Guideline Guru: Over a million questions answered since 2023 points to daily use, not shelfware.

What each record holds against them

MOZAIQ: Published evidence concentrates in wholesale lending, with no comparable retail case. MOZAIQ: Per-loan pricing is confirmed, but no rate is disclosed, no floor or tiers either. MOZAIQ: No ownership or funding information appears anywhere on the site. Guideline Guru: No LOS, POS or CRM connection; users must remember to visit it. Guideline Guru: Lookup time saved does not become cycle time or added capacity. Guideline Guru: Quote-only pricing hides the per-seat cost that decides firm-wide rollout.

Which one fits which shop

Best fit for MOZAIQ: Wholesale shops where cost per loan is the number under scrutiny. Best fit for Guideline Guru: Sales and underwriting staff losing hours to non-QM and program eligibility lookups.

What each entry concludes

MOZAIQ: MOZAIQ automates fulfillment with agents covering setup, appraisal review, underwriting support, closing and funding, post-close review and investor. MOZAIQ: The strongest evidence is a client win: The Loan Store took Celent’s 2026 Model Bank Award for Lending. Guideline Guru: Guideline Guru answers guideline questions in plain language across 100-plus programs, and it ingests your overlays and announcements. Guideline Guru: Launched in 2023 under CEO Matt Thurmond, it reports 75-plus lender partnerships and over a million questions answered.

The short answer

MOZAIQ finishes ahead on the published rubric, 4.6 to 3. The margin comes mostly from Integrations and ecosystem. Same rubric, same weights, no sponsorships.