Agentic AI for every borrower
An AI agent that talks with borrowers by voice or text, day or night: answering questions, running the numbers and moving them toward an application.
ROYAL Ai · Investor overview
The AI operating system for the
$13 trillion mortgage market.
Mortgage is the largest consumer credit market in America, and it still runs on phone calls, paperwork and 38-day closings. ROYAL Ai™ puts agentic AI in front of every borrower and an AI-run process behind every loan, delivered under the lender’s own brand. ROVER is live today.
- Agentic AI, live today
- FLO, coming soon
- Brokers, credit unions and banks
The market
The biggest market in consumer finance.
Every year Americans take out about $2 trillion in new home loans, and it costs about $11,000 to produce each one. About two thirds of that cost is people: exactly the work AI does faster, around the clock.
$13.1TU.S. mortgage debt outstanding, about 70% of all household debtNY Fed, Q2 2026
$2.1TNew single-family mortgages forecast for 2026MBA forecast, Sept 16, 2026
$10,936Cost to produce a single loanMBA, independent mortgage banks, Q2 2026
~$60BSpent every year to produce mortgagesROYAL Ai estimate: about 5.53M loans × $10,936
A category of one
All three pieces, under the lender’s own brand.
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A new category.
ROYAL Ai is the only white-labeled, lender-neutral stack for independent mortgage brokers and small correspondent lenders that combines an agentic borrower AI under the client’s own brand, ROVER, live today; an AI-run loan process; and a loan operating system, FLO, coming soon. Based on public disclosures as of September 2026.
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An industry still waiting on AI.
In Fannie Mae’s 2023 survey, 7% of lenders had deployed AI. In a September 2026 survey by state mortgage regulators, the MBA and Boston Consulting Group, only about one in four lenders had scaled even one AI use case. The average loan still takes 38 days to close.
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Already in market.
Our AI mortgage agent, ROVER, is live today at royalai.app and in the Royal AI app on the App Store and Google Play, proven inside our affiliated licensed mortgage company, Royal Mortgage LLC.
The platform
AI-native, from the borrower to the closing table.
Coming soon
FLO, the loan operating system built for AI.
FLO is the system of record at the center of the ROYAL Ai platform: every loan, every borrower and every task in one place, from application to closing.
An AI-run loan process
Behind the scenes, AI takes over the work that consumes a loan officer’s day, so every loan moves faster with a smaller team. A human underwriter reviews and signs every credit decision.
Their brand. Our AI.
Every client gets its own ROYAL Ai: custom colors, custom graphics, any mascot, even a lifelike AI version of its loan officers, with each officer’s consent. All AI-built, all managed by us. Every persona says it is an AI.
Who we serve
Built for brokers. Ready for every lender.
Independent mortgage brokers are our specialty and our proving ground, with mortgage bankers, non-delegated correspondents and business-loan brokers too. The same platform is built to serve credit unions and banks.
13,000+Independent mortgage brokerages, our specialtyA national wholesale lender’s FY2025 annual report on Form 10-K
4,214Credit unions serving 146 million membersNCUA, Q2 2026
4,238FDIC-insured banks and savings institutionsFDIC, Q2 2026
1 in 5U.S. mortgages written through brokers, about 21% in the 12 months to June 2026A correspondent aggregator’s Q2 2026 investor presentation
For investors
Own the AI layer of mortgage.
Request the investor brief. We send it after a short call.
Investor relations: bryan@royalai.ai
The path
- Independent brokersOur specialty and proving ground
- Credit unions and banksThe same platform, at institutional scale
- Strategic mergerA natural partner for the institutions we serve
Sources: Federal Reserve Bank of New York, Household Debt and Credit, Q2 2026 · Mortgage Bankers Association, Mortgage Finance Forecast, Sept 16, 2026 and IMB production, Q2 2026 · Freddie Mac, Cost to Originate study, 2024 · ICE, time to close, March 2026 · Fannie Mae, Mortgage Lender Sentiment Survey on AI (2023) · AARMR, MBA and BCG, AI survey, Sept 28, 2026 · NCUA, Quarterly Credit Union Data Summary, Q2 2026 · FDIC, Quarterly Banking Profile, Q2 2026 · a national wholesale lender’s FY2025 annual report on Form 10-K (brokerage count) · a correspondent aggregator’s Q2 2026 investor presentation (broker share). Market estimate by ROYAL Ai.