About
OJO Labs is an AI conversational assistant for real estate. Austin-based, founded 2015 by John Berkowitz and David Rubin. Raised $134M total ($62.5M Series D June 2020 led by Wafra). Acquired by Lower (May 2025). Sold Canadian ops to RBC (Feb 2023) for $200M. Investors include Northwestern Mutual, Silverton Partners, LiveOak Venture Partners.
Key Facts
- [1]Funding: Total funding: $134M. Last round: May 2018. Stage: Growth.
- [2]Employees: Employee count: 51-200.
- [3]Website: Official website: ojolabs.com.
- [4]AI Technology: Core AI/ML technologies: Predictive ML.
- [5]Region: Region: Americas (United States).
Founders
John Berkowitz
Co-founder & CEO
David Rubin
Co-founder & CTO
AI Technology
Predictive ML
Traditional ML algorithms for classification, regression, and scoring models
Classification
Market Segments
Tech Stack Layers
Details
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Frequently Asked Questions
What is OJO Labs?
OJO Labs is an AI conversational assistant for real estate. Austin-based, founded 2015 by John Berkowitz and David Rubin. Raised $134M total ($62.5M Series D June 2020 led by Wafra). Acquired by Lower (May 2025). Sold Canadian ops to RBC (Feb 2023) for $200M. Investors include Northwestern Mutual, Silverton Partners, LiveOak Venture Partners. OJO Labs is classified in the Lending & Credit segment at the Automation layer of the financial AI stack.
Who founded OJO Labs?
OJO Labs was founded by John Berkowitz (Co-founder & CEO) and David Rubin (Co-founder & CTO).
How much funding has OJO Labs raised?
OJO Labs has raised $134M in total funding, placing the company at the Growth stage. The most recent round closed in May 2018. Among 81 funded Lending & Credit companies, OJO Labs ranks #42 by total capital raised. (Source: AIFI Map directory.)
What AI technology does OJO Labs use?
OJO Labs primarily leverages Predictive ML technology. Traditional ML algorithms for classification, regression, and scoring models. Within the Lending & Credit segment, 58 companies use this technology.
What market segment does OJO Labs operate in?
OJO Labs operates in the Lending & Credit market segment. AI lending and credit companies are reimagining how creditworthiness is assessed, loans are originated, and debt is managed across consumer, small business, and commercial markets.
Where is OJO Labs headquartered?
OJO Labs is headquartered in Austin, United States. The company operates in the Americas region. The team consists of 51-200 employees. United States is home to 324 financial AI companies tracked by AIFI Map.
Who are OJO Labs's competitors?
Companies similar to OJO Labs in the Lending & Credit space include Greenlite ($20M raised), Upstart ($160M raised), Zest AI ($357M raised), Pagaya ($75M raised), Scienaptic AI ($17M raised). These companies operate in related areas of financial AI: Greenlite focuses on ai agents that accelerate aml reviews. Upstart focuses on ai lending platform using alternative data for credit decisions. Zest AI focuses on ai-automated underwriting for credit unions and banks. (Based on AIFI Map classification data.)
What products does OJO Labs offer?
OJO Labs builds automation-layer solutions for the financial services industry. The company's core offering: AI-powered real estate platform. The platform is powered by Predictive ML technology.