# Kastle

> Kastle is a San Francisco startup building AI voice and messaging agents purpose-built for consumer lending, starting with mortgage servicing. Its agents answer borrower calls, take payments, chase delinquent accounts, qualify loan inquiries and score every interaction against lending regulations like FDCPA, TILA and RESPA. Founded in 2024 by Rishi Choudhary and Nitish Poddar and backed by Y Combinator (S24), Kastle plugs into existing systems of record such as ICE MSP and works with large mortgage servicers, including Carrington Mortgage Services.

- **Founded:** 2024
- **Headquarters:** San Francisco, United States
- **Founders:** Rishi Choudhary (Co-Founder & CEO), Nitish Poddar (Co-Founder & CTO)
- **Team size:** ~12 employees
- **Products:** Servicing Agent, Collections Agent, Compliance / QA Agent, Loan Officer Assistant, Loss Mitigation Agent
- **Notable:** Winner of LendingTree's 2024 Innovation Challenge for AI voice technology, Processed over $1 billion in mortgage payments via its AI agents, Signed Carrington Mortgage Services ($200B+ in servicing) as an AI-native servicing partner

## Products & services

- **Servicing Agent** — AI voice and messaging agent that handles payment reminders, takes payments, and answers routine borrower questions (escrow, balances, statements) 24/7.
- **Collections Agent** — AI agent that engages delinquent borrowers, negotiates within compliance guardrails, and works to reduce delinquency rates.
- **Compliance / QA Agent** — Automatically scores calls and documents against frameworks like FDCPA, TILA, UDAAP, RESPA and TCPA, giving near-full QA coverage instead of sampled reviews.
- **Loan Officer Assistant** — Qualifies new loan inquiries, generates warm transfers, and automates manual follow-up for loan officers.
- **Loss Mitigation Agent** — Supports loan modification and hardship workflows for at-risk borrowers.
- **Omnichannel Support** — Unified borrower engagement across voice, SMS, email, webchat and custom API surfaces, with routing to live agents when needed.

## Achievements

- Winner of LendingTree's 2024 Innovation Challenge for AI voice technology
- Processed over $1 billion in mortgage payments via its AI agents
- Signed Carrington Mortgage Services ($200B+ in servicing) as an AI-native servicing partner
- Integrated directly with ICE MSP, a dominant mortgage servicing system of record
- Achieved SOC 2 Type I and Type II; GDPR-ready
- Featured in Andreessen Horowitz's fintech newsletter (Feb 2025)

## Latest updates

- **2026-07** — Carrington Mortgage Services partners with Kastle to deploy AI agents across its $200B+ servicing operation.
- **2026-02** — Kastle featured in Rob Chrisman / Chrisman Commentary 'Saturday Spotlight' as a rising AI mortgage platform.
- **2025-03** — Kastle raises $2.3M seed round led by Commerce Ventures with Y Combinator.
- **2024-11** — Kastle named winner of LendingTree's 2024 Innovation Challenge.
- **2024-08** — Kastle launches out of Y Combinator's Summer 2024 batch.

## Links

- Website: https://kastle.ai
- LinkedIn: https://www.linkedin.com/company/kastleai
- Twitter/X: https://x.com/therishic

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Profile page: https://yespress.io/kastle-yc-s24
Published by YesPress — https://yespress.io
Last updated: 2026-07-30