A Smarter Way to Get a Mortgage

Chestnut is an AI-native mortgage lender. We built the technology that traditional lenders still do by hand, so borrowers get lower rates, faster closings, and less paperwork.

5.0

Google rating

$85B+

in loan volume

0.5%

typical rate savings

Our story

Getting a mortgage should not require dozens of phone calls, weeks of waiting, and a stack of paperwork. But for most borrowers, that is still the reality. Traditional lenders rely on manual processes that are slow, error-prone, and expensive. Borrowers pay the price in higher rates and wasted time.

Chestnut was founded to fix that. We built the first AI-native mortgage process, where artificial intelligence handles the manual work that traditional lenders still do by hand. The result is a structurally lower cost to originate, and we pass those savings directly to borrowers in the form of lower rates.

Backed by Y Combinator, we are a licensed mortgage lender operating in Texas and Colorado. Every borrower gets a personal loan expert available via text, email, or phone. We combine the speed and savings of technology with the human support of a dedicated lending team.

How we are different

AI-powered savings

Our AI automates the manual processing work that drives up costs at traditional lenders. That means lower overhead and lower rates for you, typically saving borrowers ~0.5% compared to traditional lenders.

Close in weeks, not months

Most loans close in 2-3 weeks. Traditional lenders average 30-45 days or more. Our AI-powered process eliminates the manual delays that slow down every other lender.

Real people when you need them

Every borrower is assigned a personal loan expert who is available via text, email, or phone. You get the convenience of a fully online process with the support of a real person.

Licensing and compliance

Chestnut Mortgage is the trade name of Detta, Inc. We are a licensed mortgage lender committed to responsible lending practices and full regulatory compliance.

✓ NMLS #2688280 — Verify on NMLS Consumer Access

✓ Licensed to originate mortgage loans in Texas and Colorado

✓ Equal Housing Opportunity lender

✓ Legal entity: Detta, Inc. DBA Chestnut Mortgage, 2261 Market St STE 86346, San Francisco, CA 94114

Chestnut Mortgage is an Equal Housing Opportunity lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.