TidalWave

Tidalwave, based in New York, is an agentic AI mortgage platform that automates the full United States mortgage lifecycle from application through closing, aiming to replace the manual, fragmented process that keeps the average loan at roughly forty three days to close. Founded by chief executive Diane Yu, a two time founder who previously built FreeWheel, sold to Comcast, and served as chief technology officer at Better.com, alongside co founders who were engineers at both companies, it raised a twenty two million dollar Series A in November 2025 led by Permanent Capital, with the nation's largest homebuilder D.R. Horton joining as both investor and customer, bringing total funding to about twenty four million dollars. It was named to the 2026 CB Insights AI 100.

At the core is SOLO, a mortgage trained AI that answers borrower and loan officer questions around the clock with regulatory compliant responses and builds a comprehensive loan memory from day one, tracking every interaction, document, and decision so any team member has instant context. Proprietary AI agents automate document review, data entry, verification, and underwriting adjacent tasks, detecting errors and inconsistencies in loan documents without manual review and analyzing bank statements in minutes to surface risk indicators and calculate eligible assets. The platform is deeply integrated with the ecosystem that matters, with direct connections to Fannie Mae and Freddie Mac for automated underwriting and to Plaid, Argyle, and Truv for real time income, employment, and asset verification. In a public benchmark with Columbia University, its mortgage trained SOLO answered origination questions more accurately than a leading general model, and customers report closing times cut from forty five days to under two weeks with a seventy percent reduction in manual tasks.

Tidalwave is built for the regulatory realities of lending, with compliant responses, error checks, and loan officers kept in the loop as the platform automates the busywork around them, and it is already deployed by DHI Mortgage, NEXA Lending, and other lenders on track to power a meaningful share of United States originations. It runs as a cloud point of sale platform without a documented on premise option, uses its own mortgage trained models rather than a choice of provider, and is not a general agent builder or a browser automation tool. For a lender that wants agentic automation across the whole origination workflow with deep agency and verification integrations, Tidalwave is a strong and purpose built fit; a team outside mortgage, or one wanting a model flexible horizontal platform, will find it built for the loan.