Tidalwave is modernizing mortgage origination with agentic AI that automates verification, underwriting, and compliance across fragmented systems. In an industry still constrained by manual data entry, lengthy documentation, and slow turn times, Tidalwave orchestrates end-to-end automation—integrating directly with Fannie Mae, Freddie Mac, Plaid, Argyle, Truv, and ICE Mortgage Technology—to compress cycle times, reduce cost per loan, and expand access through multilingual support.
Despite years of “digital transformation,” origination remains burdened by copy-paste workflows across disconnected platforms, driving long cycle times and high production costs. Tidalwave deploys autonomous software agents that can reason, verify, and act across the full workflow—running simultaneous dual-AUS checks (DU® and LPA®), pulling real-time income and asset verification, and validating compliance through integrated systems. This approach moves beyond point solutions by coordinating multiple steps in parallel and escalating exceptions rather than requiring constant human oversight.
Tidalwave reports strong operational lift: lenders cut processing time by 67% (from 43 days to under 15 days), save $1,500+ per loan, and automate up to 70% of manual tasks. The platform is deployed across 3,200+ loan officers through a partnership with Nexa Mortgage and is tracking toward 200,000+ loans by end of 2026. In November 2025, Tidalwave closed a $22M Series A led by Permanent Capital, with strategic investment from D.R. Horton—deploying across DHI Mortgage, which originated 70,000+ loans / $24B in 2024—alongside additional 2025 deployments.
Company Website:
Markets Served:
Loan Origination
Company HQ:
New York, NY
