Kastle
Kastle is a San Francisco-based AI company that builds purpose-built voice and omnichannel AI agents for consumer lending and mortgage servicing, targeting FDIC-insured banks and Independent Mortgage Banks (IMBs) with compliance-automated workflows.
- Company typePrivate
- Founded2024
- HeadquartersSan Francisco, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Kastle does
Kastle, operating as Kastle AI Inc., is a San Francisco-based company that builds AI voice agents purpose-built for consumer lending and mortgage servicing. Its platform comprises five specialized agents — Servicing, Collections, Compliance, Loan Officer Assistant, and Loss Mitigation — that automate high-volume borrower interactions across voice, SMS, email, and chat channels. The system is anchored by a compliance engine pre-trained on FDCPA, TILA, UDAAP, RESPA, and TCPA, and the company emphasizes explainable AI responses, in-built reasoning, and a Simulation Testing feature that uses AI to test edge cases before production deployment. The platform integrates with lenders' existing contact center, payment processor, and Loan Management System (LMS) infrastructure, and includes a no-code Agent Builder that lets customers convert SOPs into agents via natural language, plus a Custom Surfaces API for programmatic extensions.
Kastle targets FDIC-insured banks and Independent Mortgage Banks (IMBs) through an enterprise field-sales motion, with demo-led engagement and tailored rollout plans given the customization required to integrate core systems. The company monetizes via subscription-based enterprise contracts, with pricing not publicly disclosed and expected to be quote-based. Reported functional outcomes include 80% contact center cost reduction, 70% lower cost per call, 40% lower average handle time, and 90%+ customer satisfaction scores. The company holds SOC 2 Type I and Type II certifications and is GDPR-ready, addressing key procurement requirements in regulated lending.
Founded in 2024, Kastle is at an early commercial stage, with 1–10 employees and a single disclosed $500,000 pre-seed round from Y Combinator (June 2024). It has received third-party validation through LendingTree's 2024 Innovation Challenge and earned media coverage in National Mortgage News, Forbes, and the a16z Fintech Newsletter. The company claims to operate the most deployed AI voice agents in the mortgage industry, though specific customer logos, revenue figures, ARR, and deployment counts are not publicly disclosed, and no parent company, institutional investor roster beyond YC, or named research leadership is available in the source material.
Kastle firmographics
Firmographics- Name
- Kastle
- Legal name
- Kastle AI Inc.
- Website
- https://kastle.ai
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Kastle is a San Francisco-based AI company that builds purpose-built voice and omnichannel AI agents for consumer lending and mortgage servicing, targeting FDIC-insured banks and Independent Mortgage Banks (IMBs) with compliance-automated workflows.
- Ownership category
- akta.pro rank
Kastle industry classification
Industry- Product category
- AI Voice Agent Platform for Consumer Lending
- NAICS
- Software Publishers (513210), Telephone Call Centers (56142)
- SIC
- Services-Prepackaged Software (7372), Services-Telephone Interconnect Systems (7385)
- akta.pro primary industry
- Contact Center Speech AI (agent assist, IVR automation) (HDAAAFAL)
- akta.pro secondary industries
- Contact Center (CCaaS) & Customer Engagement Voice (HDAIAHAF), Conversational AI Platforms (chat/voice bots, orchestration) (HDAAAFAC), Contact Center Operations & Tools (ACD/IVR/CRM/WFM) (EDABACAA)
Keywords
Where Kastle is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Markets served
Kastle business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- AI Voice Agent Platform: Purpose-built AI agents for consumer lending and servicing delivered as a platform/service. The company provides multiple agent types (Servicing Agent, Collections Agent, Compliance Agent, Loan Officer Assistant, Loss Mitigation Agent) that integrate with borrower contact protocols and core banking systems. Revenue appears to be subscription-based with enterprise contracts given the customization and integration requirements.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Kastle product offering
Product offeringCore offering
Kastle provides a platform of purpose-built AI voice agents for consumer lending and mortgage servicing. The platform includes five specialized agents—Servicing, Collections, Compliance, Loan Officer Assistant, and Loss Mitigation—that automate high-volume phone calls from loan inquiry to payoff for FDIC-insured banks and Independent Mortgage Banks (IMBs). The agents integrate with existing contact center, payment processor, and LMS systems and operate across voice, SMS, email, and chat channels.
Product overview
Kastle is a platform of purpose-built AI agents for consumer lending and servicing. The portfolio consists of five specialized agents: the Servicing AI Agent for ongoing loan servicing operations, the Collection Agent for collections workflows, the Compliance Agent for regulatory compliance, the Loan Officer Assistant for loan officer support, and the Loss Mitigation Agent for loss mitigation and workout processes. The platform is shaped by world-class consumer lending practices and integrates with existing contact center, payment processor, and LMS systems. Custom Surfaces can be built via API using natural language instructions through the Agent Builder.
Differentiator
Problem solved
Functional benefit
Products and services
- Servicing AI Agent
Quantifiable outcome
- 80% cost reduction in contact center operations
- +4 more outcomes
Companies that use Kastle
Customer profileSegments1 record
Ideal customer profiles1 record
Kastle technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability5 records
Feature5 records
Kastle partnerships and signals
Strategic signalScale indicators1 record
Recent moves6 records
Expansion highlights5 records
Kastle competitors and assessment
Company assessmentDirect peers
- Cresta: Cresta provides generative AI agents and real-time coaching for contact centers, including voice AI automation across inbound and outbound calls — a directly competing AI agent platform for enterprise contact centers.
- PolyAI: PolyAI provides enterprise voice assistants for customer service and call center automation, including financial services deployments — overlaps with Kastle's voice-first agent strategy and omnichannel capabilities.
- Balto: Balto offers real-time AI guidance and agent assist for contact centers; while historically agent-assist focused, it is expanding into autonomous AI agents — directly comparable to Kastle's Compliance and Servicing agents.
- Sierra AI: Sierra develops conversational AI agents for enterprise customer service, with deep focus on regulated industries like financial services — directly competes for the same AI agent workloads in banking and lending.
- Skit.ai: Skit.ai builds AI voice agents specifically for debt collections and lending servicing — the closest direct competitor, targeting the same Collections Agent use case that Kastle serves in mortgage.
Emerging players
- Goodcall: Goodcall provides AI voice agents for SMB customer service and lead capture, primarily serving smaller businesses; partial overlap with Kastle on voice AI agent technology but different customer segment.
- Cognigy: Cognigy offers an enterprise conversational AI platform with voice and chat agents for customer service automation — competes with Kastle's Agent Builder and omnichannel orchestration but is horizontal across industries.
Broad incumbents
- Five9: Five9 is a leading CCaaS platform rapidly embedding generative AI agents into its contact center suite — overlaps with Kastle's contact center automation but bundles with broader telephony and workforce management.
- Genesys: Genesys is a major CCaaS and customer experience platform with AI-powered virtual agents and voice automation — broad incumbent serving financial services including mortgage, competing with Kastle's voice AI agent stack.
- NICE Ltd: NICE is a large enterprise software provider offering contact center, compliance recording, and AI-driven virtual agents — competes with Kastle's compliance and servicing agent capabilities within established banking deployments.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Kastle compliance and trust
Trust signalCompliance4 records
Kastle financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kastle leadership team
Management profileNumber of profiles
Profiles2 records
Kastle funding detail
Funding detailFunding overview
Funding rounds2 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kastle M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Kastle
What does Kastle do?
Kastle provides a platform of purpose-built AI voice agents for consumer lending and mortgage servicing. The platform includes five specialized agents—Servicing, Collections, Compliance, Loan Officer Assistant, and Loss Mitigation—that automate high-volume phone calls from loan inquiry to payoff for FDIC-insured banks and Independent Mortgage Banks (IMBs). The agents integrate with existing contact center, payment processor, and LMS systems and operate across voice, SMS, email, and chat channels.
Is Kastle a public or private company?
Kastle is a private company. It is classified as venture growth investor backed and is currently operating.
When was Kastle founded?
Kastle was founded in 2024. It employs 11 to 50 people.
Where is Kastle based?
Kastle is headquartered in San Francisco, United States, in the North America region.
How does Kastle make money?
One revenue line is on record: AI Voice Agent Platform.
Who are Kastle's main competitors?
Direct peers on record are Cresta, PolyAI, Balto, Sierra AI and Skit.ai. Emerging players are Goodcall and Cognigy. Broad incumbents are Five9, Genesys and NICE Ltd.
Does Kastle have an API?
Yes. Kastle offers Custom Surfaces via API, allowing developers to build and customize AI agents through natural language instructions using the Agent Builder. The specific API type (REST, GraphQL, webhooks), authentication method, rate limits, and versioning are not specified in the available source material.
What industry is Kastle in?
Kastle's product category is AI Voice Agent Platform for Consumer Lending. Its primary akta.pro industry code is HDAAAFAL, Contact Center Speech AI (agent assist, IVR automation), with a secondary code of HDAIAHAF, Contact Center (CCaaS) & Customer Engagement Voice. Its NAICS code is 513210 and its SIC code is 7372.