Tidalwave
Tidalwave is an agentic AI company dedicated to eliminating bottlenecks in the mortgage process. Our platform accelerates homeownership for everyone by replacing outdated workflows with intelligent automation and direct integrations with Fannie Mae, Freddie Mac, and verification partners including Plaid, Truv, and Argyle. Through these integrations, Tidalwave enables lenders to access real-time income, employment, and asset verification at the point of application—reducing paperwork, minimizing errors, and dramatically shortening processing times. Borrowers also benefit from AI-powered guidance, including tailored support for Spanish-speaking clients, ensuring a simpler and more accessible loan experience. For more information, visit www.Tidalwave.ai.
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Tidalwave is an agentic AI mortgage platform revolutionizing the industry by addressing high costs, lengthy timelines, and accessibility challenges. As the first generative AI application for mortgage seekers and lenders, it streamlines underwriting, reduces inefficiencies, and accelerates approvals. Its flagship product, SOLO™, integrates with Fannie Mae and Freddie Mac systems to handle pre-approvals and aims to cover the entire mortgage process. By connecting with Plaid, Argyle, and Truv, Tidalwave instantly handles income, employment, and asset checks—freeing loan officers from manual, time-consuming tasks so they can focus on closing loans. These integrations have enabled instant underwriting decisions and automated real-time income, employment, and asset verification—reducing average loan processing times by 67% (from 45 days to under 15 days) and cutting manual workloads for loan officers by up to 70%.
Highlights
- Tidalwave delivers instant answers for borrowers: Through direct integrations with Fannie Mae and Freddie Mac, Tidalwave enables loan officers to give borrowers real-time pre-approvals instead of making them wait weeks.
- Tidalwave eliminates paperwork chasing: By connecting with Plaid, Argyle, and Truv, Tidalwave instantly handles income, employment, and asset checks—freeing loan officers from manual, time-consuming tasks so they can focus on closing loans.
- Tidalwave integrates seamlessly into lender systems: It works with ICE Mortgage Technology to extend automation into compliance checks, document management, and borrower communications—supporting multilingual journeys without extra work for staff.
- Tidalwave cuts lender costs and boosts margins: Freddie Mac reports that loan origination costs have jumped 35% ($3,000 more per loan) and the average lender now loses ~$600 per loan. By automating up to 70% of manual work, Tidalwave reduces costs by $1,500+ per loan and turns costly bottlenecks into profit opportunities.
- Tidalwave broadens access to more borrowers: With built-in Spanish-language support, Tidalwave helps loan officers serve the 23% of Hispanic borrowers who face language barriers—without the need for translators.
Details
Vendor Category
Point of Sale Systems
Pricing Model
Pay-Per-Use (Consumption-Based)
Works well with
nCino
Floify
Overview
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Product comparison
Tidalwave
nCino
Floify
Overview
Tidalwave is an agentic AI company dedicated to eliminating bottlenecks in the mortgage process. Our platform accelerates homeownership for everyone by replacing outdated workflows with intelligent automation and direct integrations with Fannie Mae, Freddie Mac, and verification partners including Plaid, Truv, and Argyle. Through these integrations, Tidalwave enables lenders to access real-time income, employment, and asset verification at the point of application—reducing paperwork, minimizing errors, and dramatically shortening processing times. Borrowers also benefit from AI-powered guidance, including tailored support for Spanish-speaking clients, ensuring a simpler and more accessible loan experience. For more information, visit www.Tidalwave.ai.
The ONLY Intelligent Mobile Native Point of Sale from Application to Close
Where flexibility meets intelligence. Floify’s mortgage POS is dynamic by design and trusted by lenders everywhere.
Highlights
- Tidalwave delivers instant answers for borrowers: Through direct integrations with Fannie Mae and Freddie Mac, Tidalwave enables loan officers to give borrowers real-time pre-approvals instead of making them wait weeks.
- Tidalwave eliminates paperwork chasing: By connecting with Plaid, Argyle, and Truv, Tidalwave instantly handles income, employment, and asset checks—freeing loan officers from manual, time-consuming tasks so they can focus on closing loans.
- Tidalwave integrates seamlessly into lender systems: It works with ICE Mortgage Technology to extend automation into compliance checks, document management, and borrower communications—supporting multilingual journeys without extra work for staff.
- Tidalwave cuts lender costs and boosts margins: Freddie Mac reports that loan origination costs have jumped 35% ($3,000 more per loan) and the average lender now loses ~$600 per loan. By automating up to 70% of manual work, Tidalwave reduces costs by $1,500+ per loan and turns costly bottlenecks into profit opportunities.
- Tidalwave broadens access to more borrowers: With built-in Spanish-language support, Tidalwave helps loan officers serve the 23% of Hispanic borrowers who face language barriers—without the need for translators.
- End-to-End Automation: The only intelligent mobile POS that automates the mortgage process from application to close
- AI-Powered: Built-in AI tools across underwriting, loan comparison, income verification, and pre-qualification
- Intelligent Automation: rules-based triggers and automated workflows to reduce manual tasks across the mortgage lending process.
- GSE-Ready: Native integrations with Freddie Mac LPA, AIM API, and major LOS platforms including Encompass
- Trusted Scale: Serving over 2,700 financial institutions worldwide including IMBs, banks, and credit unions
- All-in-One, End-to-end Suite: Engagement, origination, closing, incentive compensation, and analytics in a single platform on web and mobile-native apps.
- Increase Profitability – Tackle margin compression head-on with automation that reduces manual work, improves accuracy, and drives efficiency across every loan file.
- Enhance the Borrower Experience – Deliver a seamless, digital-first journey with simplified applications, faster approvals, and transparent communication from start to close.
- Attract & Retain Top Talent – Empower elite loan originators with a powerful, flexible POS that adapts to their workflows—boosting productivity and satisfaction.
- Differentiate Your Brand – Stand out in the crowded mortgage market with a modern, configurable platform that delivers a superior borrower and lender experience.
- Simplify Compliance – Navigate complex regulations confidently with Floify’s secure, governed environment designed for peace of mind and data integrity.
- Dynamic Apps – A no-code solution that lets lenders customize loan applications, streamline workflows, and eliminate workarounds—no developers required.
- Dynamic AI – Embedded intelligence that automates document classification and instantly verifies borrower identity, income, and assets, cutting time-to-file and boosting pull-through.
- Award-Winning Support – Backed by an expert team recognized for best-in-class service, Floify partners with lenders every step of the way to ensure success.
Tidalwave
Customer reviews
Tidalwave
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