Chestnut

YC X25 · Active · The first AI mortgage lender

Competitors

Companies closest to Chestnut
Company	Category	Status	Program
CopperlaneShared: mortgage lender, agent, credit and lendingActiveAI	AI	Active	YCW26
Sei AIShared: mortgage lenderActiveAI	AI	Active	YCW22
Accept.inc (formerly BoardRE)Shared: real estate, mortgage, lenderAcquiredAI	AI	Acquired	YCW19
NavutShared: mortgage lender, real estateNot statedOther	Other	Not stated	500 Global2017
BreezefulShared: mortgage, lender, secondActiveOther	Other	Active	YCW20

Adjacent

Companies next to Chestnut
Company	Category	Status	Program
HavenShared: mortgage lender, credit and lendingActiveOther	Other	Active	YCW20
KrediShared: mortgage, credit and lendingActiveOther	Other	Active	YCW21
Zinc PlatformShared: mortgage lender, powerInactiveDevtools	Devtools	Inactive	YCW17
hypcloudShared: real estate, mortgageAcquiredOther	Other	Acquired	YCS18
Cardinal GrayShared: lender, automate, credit and lendingActiveAI	AI	Active	YCS23

Also from X25 in AI

All of X25

Company	Category	Status
BlueshoeThe AI-Native Consumer + Plaintiff Law FirmActiveAI	AI	Active
Eloquent AIThe AI Operator for Financial ServicesActiveAI	AI	Active
IRBCAI-native financial institution for global businesses + agents.ActiveAI	AI	Active
neoncoralAIActiveAI	AI	Active
RaloAI-Native Mortgage BrokerActiveAI	AI	Active
TegoreYour new AI-powered math tutor.ActiveAI	AI	Active

Founders

Spencer BrownFounder/CEO

About Chestnut

Chestnut is the first AI mortgage lender. We automate 99% of human work with AI agents, saving customers 0.5%+ in interest. This is Spencer's second mortgage startup; the first processes 2% of US mortgages annually. So far, Chestnut is licensed in Texas and Colorado where we power purchases, refinances, cash-outs, and more.

YC batch: X25 · Spring 2025
Status, per YC: Active
Category: AI
Team size: 2
Location: San Francisco, CA, USA
Founded: 2025
Checked: 31m ago

YC tags: Fintech, Real Estate, Consumer, AI

Chestnut in X25: 143 companies, 89% AI

Chestnut: questions

Which YC batch was Chestnut in?

Chestnut was in Y Combinator's Spring 2025 batch (X25).

Is Chestnut still active?

Y Combinator lists Chestnut as active.

Who founded Chestnut?

Chestnut's founders, as listed on its YC page: Spencer Brown (Founder/CEO).

Where is Chestnut based?

Chestnut lists San Francisco, CA, USA as its location on YC's directory.

Sources: each program's public company list, read twice a week. Not affiliated with Y Combinator or any other program. Logos via logo.dev; trademarks belong to their owners.