Elio is an AI-native mortgage company rebuilding origination around the loan officer, creating a new model by combining retail-level support with broker-level economics and choice. For decades, mortgage technology has made individual tasks faster without changing the fragmented operating model underneath them. Elio takes a different approach. We operate a licensed mortgage company powered by a proprietary AI-native platform built inside the business itself. AI agents coordinate the work behind each loan, keep information connected and prepare what comes next, while loan officers stay in control of the relationship, advice and judgment.