Investor Kit
YARBIS operates in one of the most heavily regulated, best-documented markets in the US economy: every licensed mortgage and real estate professional it serves is already registered in a public system before YARBIS ever reaches them. This page gives you the market context, the product model, and answers to the questions we hear most from investors. For the underlying corporate, financial, and legal documents — cap table, financial model, formation agreements — request access to the full data room at the bottom of this page.
New capability
Real or fake? YARBIS checks it.
YARBIS does more than read documents. It runs a forensic integrity review on the files a borrower uploads and returns a diagnosis (legitimate or false), a confidence percentage and a score out of 10 on seven criteria.
- Physical consistency of the paper
- Alignment and typography
- Inspection of layers and revisions in PDFs
- Pixel analysis of images
- Detection of editing-software fingerprints
- Detection of reused templates
- Integrity of visual metadata
This covers the same ground as document-fraud detection tools such as Inscribe, inside the system that already reads the documents and calculates the loan: one platform to extract, verify and decide with evidence.
The review is evidence for the loan officer, not a legal finding. The person decides.
A Market That's Already Identified
Most startups guess at their addressable market. YARBIS doesn't have to: every professional in its target market already carries a state or federal credential before they ever hear about YARBIS. Mortgage loan officers are registered individually in the Nationwide Multistate Licensing System (NMLS) — a legal requirement to originate loans in any state. Real estate agents and brokers are licensed by state real estate boards, whether or not they join the National Association of Realtors. YARBIS's core professional market isn't a market-research estimate — it's a list, and a larger one than any single association's roster shows.
The Professional Segment, By the Numbers
As of 2025, roughly 193,000 individuals are actively licensed as mortgage loan originators in the NMLS. On the real estate side, the National Association of Realtors reports more than 1.5 million Realtor members — but NAR membership is voluntary, not a licensing requirement. Industry estimates from the Association of Real Estate License Law Officials (ARELLO) put total active real estate licensees in the US at roughly 3 million, meaning as many licensed agents and brokers operate outside NAR as inside it. YARBIS's addressable professional base spans both: every NMLS-registered loan officer, every NAR Realtor, and every other state-licensed agent who never joined the association.
The Transaction Volume Behind Them
These professionals work against a market the Mortgage Bankers Association forecasts at roughly $2.0 trillion in single-family mortgage origination volume for 2025, rising to $2.2 trillion in 2026. Existing-home sales — the transactions agents and loan officers handle daily — ran at roughly 4 million units in 2025, near a 30-year low, which is as much a signal of room to grow as it is a headwind.
Why It Matters to a Realtor or Lender
For a loan officer, the value is concrete: YARBIS reviews the two documents that eat the most underwriting time — bank statements and credit reports — flagging inconsistencies and surfacing the numbers that matter before a human opens the file. For an agent, whether NAR-affiliated or not, it means diagnosing a buyer's real purchasing power before showing a single home, instead of finding out four showings in that the buyer can't qualify.
The Borrower Layer
Borrower's Discovery extends the same diagnostic to the other side of the transaction — buyers can check their own credit scenario before ever contacting an agent or lender. That's a second, larger addressable population sitting on top of the professional segment YARBIS already serves, and one that feeds qualified leads back to the agents and lenders on the platform.
How YARBIS Makes Money
YARBIS prices by role and depth of use: a $9/week diagnostic for individual borrowers, $39/month for real estate agents, $59/month for Realtors PRO (adds document upload and analysis), $79/month for loan officers (adds LOE; AUS and MISMO issuance arrive with the documentary complement, now in development), and per-seat pricing for brokerages and financial institutions. Full pricing is public on this site.
What YARBIS Actually Does
YARBIS reviews the documents that slow down a mortgage file — bank statements, credit reports — checks that they are genuine with a forensic integrity review, and automates Letters of Explanation and e-signature routing, on a shared system of record (built on Odoo) that an agent, a loan officer, and their shared client all work from.
Published, Not Promised
YARBIS publishes its own legal and technical posture rather than asking investors to take it on faith. See the full Legal Framework (MSA, Data Processing Addendum, AI Governance & Fair Lending Policy, Information Security Policy, Incident Response) and the Technical Framework (infrastructure, security architecture, and roadmap), both published on this site.
What is YARBIS?
A mortgage-tech platform built on Odoo that gives real estate agents, loan officers, and their clients a shared system for document review and forensic verification, borrower diagnostics, and e-signature workflows, purpose-built for the US mortgage and real estate market.
How does YARBIS make money?
Subscription tiers priced by role and depth of use, from a $9/week borrower diagnostic to per-seat pricing for brokerages and financial institutions. Full pricing is public on this site.
What stage is YARBIS at?
YARBIS is an early-stage company actively onboarding licensed mortgage and real estate professionals. Current traction and financial detail are available in the full data room — request access below.
Is the AI making lending decisions?
No. Every AI-assisted output is designed as decision support for a licensed professional, not a substitute for their review — an explicit commitment in YARBIS's published AI Governance Policy, including a Fair Lending / Anti-Bias framework and a defined liability allocation between YARBIS and the subscriber.
How is client data protected?
Tenant isolation runs at the infrastructure level — each client has its own database and application instance, not a shared schema — documented in the Technical Framework, backed by a Data Processing Addendum and Information Security Policy in the Legal Framework.
Is YARBIS compliant with mortgage industry regulations?
Platform access is conditioned on active professional licensing — NMLS for loan officers, state licensing for agents — verified as part of onboarding, detailed in the Legal Framework's eligibility and KYB provisions.
How to Request Access
The materials above are public by design. The rest — cap table, financial model, formation documents, and the remaining sections of our data room — are shared directly with qualified investors under NDA. To request access, use the button below to submit a short request. We will confirm your email, send our non-disclosure agreement for electronic signature, and review your request as soon as possible.