Better.com is redefining modern mortgage lending through its proprietary Tinman® AI Platform, deployed at NEO Home Loans powered by Better. Designed for high-volume retail lending, Tinman replaces the fragmented loan origination software (LOS), point-of-sale (POS), pricing and document stack with a single, rules-based decisioning system that combines intelligent automation with human oversight — delivering speed, accuracy and transparency at scale.
Tinman automates core lending functions including eligibility determination, underwriting calculations, pricing, document validation and workflow routing, eliminating system handoffs and duplicated work. Its differentiated “rules-plus-LLM” architecture ensures all credit decisions are driven by deterministic logic, while Betsy™, Tinman’s natural-language layer, explains those decisions clearly for borrowers, loan officers and regulators — without hallucinated outputs or opaque logic.
The impact at NEO Home Loans has been significant. Over the past year, Tinman reduced cycle times by up to 75% and lowered fulfillment costs by approximately $1,400 per funded loan, while improving loan quality and consistency through automated math and real-time document validation. Loan officer production increased 91% from 2024 to 2025, and annual volume grew more than 100%, exceeding $1.5 billion. Tinman has also enabled scalable growth without proportional headcount increases, allowing NEO to attract top mortgage talent and pilot new productivity models that support both performance and work-life balance.
Company Website:
Markets Served:
Loan Origination
Company HQ:
New York, NY
