TidalWave

Loans go to both US agency underwriting engines and to verification services, and the results are written back into the loan file. Tech-specs says Tidalwave runs "Fannie Mae's Desktop Underwriter and Freddie Mac's Loan Product Advisor" at the point of application and "generates DU and/or LPA verified pre-qualification letters instantly", and that "AI updates loan files without manual data entry"; income, employment and asset verification run directly through Plaid, Argyle and Truv. Submitting to both agency engines and returning verified results into the loan file are actions, not just reads.

Credential scoping and rotation, and custom tools, are not documented. Connections to loan origination systems and CRMs appear only in third party sources.

Sourcetidalwave.com/tech-specs (index copy); July first-party read;read 2026-09-16

Both agency underwriting engines run side by side, with the findings compared and each borrower routed on the better outcome, while agents manage the borrower's tasks.

Tech-specs says Tidalwave "runs Fannie Mae's Desktop Underwriter and Freddie Mac's Loan Product Advisor simultaneously at the point of application", "compares findings from both in real time" and "selects the best outcome for each borrower automatically", then generates verified pre-qualification letters; SOLO "generates a personalized task list" from each borrower's financial situation and "autonomously manages tasks"; and how-it-works describes automation "from first contact and document review to submissions and closing". Deterministic underwriting runs combined with agent extraction and task management mix fixed and autonomous steps, and routing on the better of two findings is a branch.

Whether lenders can configure the workflow, and how it is versioned, is not described.

Sourcetidalwave.com/tech-specs, /how-it-works (index copies); readread 2026-09-16

Answers are grounded in each loan's own data and documents. The home page describes SOLO as "mortgage-only AI" answering with "regulatory-compliant responses", grounded in each loan's data, documents and agency guidelines, and tech-specs says "AI extracts all relevant borrower information automatically and updates loan files" and gives "personalized education support" for mortgage questions "tailored to their specific situation".

No maintained index of guidelines, overlays or product rules that a lender can update is named. The phrases "mortgage-only" and "domain specific models" describe training, so whether new customer knowledge can be added without retraining is not stated.

Sourcetidalwave.com home, /tech-specs (index copies); readread 2026-09-16

Loan officers can watch what borrowers see and step in, and the agents run inside structured guardrails, but no approval step is named. Tech-specs describes a governance framework with "structured input and output protocols and strict context controls", and says "loan officers see everything borrowers see in real-time, allowing them to jump in and help exactly when and where confusion occurs".

Neither statement names an approval or checkpoint before an agent action, or a point where approvals can be inserted. Loan officers keeping control of decisions is a stated intent, not a built gate.

Sourcetidalwave.com/tech-specs (index copy); readread 2026-09-16

Security details live in a trust center hosted on Vanta at trust.tidalwave.com (also trust.tidalwave.ai), with sections for frameworks, controls and subprocessors; the page renders client side, and whatever attestations and controls it lists are not stated on any other Tidalwave page. Tidalwave publishes no documentation, help, support, API, developer or status site. SOLO's regulatory compliant responses describe answer quality, not a control or an attestation.

Sourcetrust.tidalwave.com; tidalwave.com; triedread 2026-09-16

Audit trails are part of the agent framework, but inspecting individual steps is not described. Tech-specs describes a governance framework with structured input and output protocols, strict context controls "and audit trails". No view of each run's steps and tool calls is described, and SOLO's loan memory is the loan file, not a record of agent behavior.

Sourcetidalwave.com/tech-specs (index copy); trust.tidalwave.com; readread 2026-09-16

SOLO keeps a full record of each loan for the team, but that record is the loan file rather than a separate memory layer. The home page says "SOLO builds comprehensive loan memory from day one, tracking every interaction, document, and decision to provide instant context for any team member". A record of every interaction, document and decision on a loan, read by team members, is the loan file itself, and deleting it would delete the business record. As a conversational assistant, SOLO holds conversation state within a session.

No SOLO memory separate from the loan record, with a stated scope and lifetime, is documented, so there is no memory store to review, edit, delete or scope.

Sourcetidalwave.com home; read July 2026, refusedread 2026-09-16

Tidalwave runs as SaaS it hosts itself, with no stated region or customer environment option. Its trust center describes TidalWave Tech Inc. as an "AI-driven, cloud native tech company" that "provides software as a service" to US residential mortgage lenders and brokers, and tech-specs describes "containerized microservices with infrastructure as code", which is how Tidalwave builds its own service, not a customer environment option. No data residency statement, region choice or customer hosted deployment is published. The trust center's subprocessor section could name hosting regions.

Sourcetrust.tidalwave.com (served metadata); tidalwave.com/tech-specs (index copy); readread 2026-09-16

Tidalwave sells one point of sale platform, and its capabilities are stages of one origination workflow rather than agents adopted separately. The home page describes one platform "automating document review, data entry, and loan processing with proprietary AI agents", with SOLO answering borrowers, error detection on loan documents and bank statement analysis as capabilities of that platform. They are sold together as a single product, not as units a buyer selects among, and there is no template catalog.

Sourcetidalwave.com home (index copy); July first-party read;read 2026-09-16

Borrowers and loan officers reach the agents by text, email, voice and chat, and every start described comes from a person sending something. How-it-works says borrowers "text or email their information, and our AI instantly extracts loan data", that SOLO answers questions any time in over 30 languages, and that it transcribes phone conversations into started applications; tech-specs says loan officers can "upload emails, texts, or phone recordings to instantly start a loan" and describes "event driven processing enabling real time agent responses".

The phrase "event driven processing" does not say what event starts the agent, and no event or schedule that starts agent work without a person asking is named.

Sourcetidalwave.com/how-it-works, /tech-specs (index copies); readread 2026-09-16

General purpose LLMs and domain specific models work together, and Tidalwave picks between them. Tech-specs describes a "model agnostic framework combining general purpose LLMs with domain specific models". That is more than one model class inside Tidalwave's framework; no lender or admin choice of model or provider is named.

Sourcetidalwave.com/tech-specs (index copy); readread 2026-09-16

The platform itself has no published API or SDK, and no API or developer site exists. Its connections to mortgage vendors and the agencies show what Tidalwave calls, not whether Tidalwave itself can be called.

Sourcetidalwave.com/tech-specs; triedread 2026-09-16

Nothing public shows a way to test or score the agents. Flagging errors in a borrower's loan documents checks the loan, not the agent's output. Press coverage reports a public accuracy benchmark with Columbia University, though no write-up of it from Tidalwave is published, nor is any QA or testing surface.

Sourcetidalwave.com; tidalwave.ai/blog; triedread 2026-09-16

Every action runs through direct agency and verification connections or through the borrower's own conversational application, not by operating screens. The agents connect to Desktop Underwriter, Loan Product Advisor, Plaid, Argyle and Truv, and tech-specs says "AI extracts all relevant borrower information automatically and updates loan files without manual data entry" from uploaded emails, texts and phone recordings. Since nothing drives a lender's or third party's screens, changes to UI elements have nothing to break.

Sourcetidalwave.com/tech-specs (index copy); July first-party read;read 2026-09-16