Tidalwave partners with Flat Branch Home Loans on AI mortgage sales platform

Mortgage technology firm Tidalwave and Columbia, Missouri-based lender Flat Branch Home Loans on Thursday announced that Flat Branch has launched a modernized point-of-sale system and mobile app in conjunction with Tidalwave‘s agentic AI platform.

The point-of-sale system, known as Flat Branch Home, has been operational for a few weeks. Already, it has converted 90% of consumer applications to submissions, which is a “metric that stands out in an industry where borrowers routinely abandon apps when they hit paperwork requests, manual follow-ups and underwriting confusion,” the companies explained in a press release.

Flat Branch is the first independent mortgage bank (IMB) to implement Tidalwave’s agentic platform on an end-to-end basis. But it’s not the first industry player to use Tidalwave’s software as it follows on the heels of partnerships with DHI Mortgage, First Colony Mortgage, Mortgage Solutions and NEXA Lending.

Tidalwave said it’s on pace to impact more than than 200,000 loans by the end of 2026, growth that’s driven by a $22 million Series A funding round announced in November with investor participation from Permanent Capital and D.R. Horton.

Flat Branch leaders said the company’s new point-of-sale system is “built intentionally for today’s borrowers and the loan officers who support them,” and it’s designed to create a faster and “more intuitive” mortgage application process.

“Thanks to our incredible partnership with Tidalwave, we’ve been able to launch Flat Branch Home,” Jamie Pandolfo, president of Flat Branch Home Loans, said in a statement. “The future of technology is here, and we’re embracing it for a better experience for our borrowers and our loan officers. Tidalwave has given us the opportunity to take our origination to the next level.”

“Flat Branch’s leadership team is showing the industry what it looks like to lean into change instead of waiting for it,” said Diane Yu, CEO and co-founder of Tidalwave. “Their willingness to rethink the borrower and loan officer experience is rare and incredibly impressive. We’re honored to be their partner on this journey and thrilled to see Flat Branch Home already converting 90% of application starts to submissions, a powerful proof point for what’s possible when great operators and modern AI work together.”

Flat Branch Home works with borrowers from start to finish to upload and sign documents, track tasks, review disclosures, receive notifications and communicate with their LO officer in real time. Its mobile app is available to download through app stores.

It pairs with Tidalwave’s SOLO platform, which provides multiple ways to deepen connections between borrowers and LOs while streamlining the application process. This includes AI chat support for both parties, along with automated document processing, lead qualification, underwriting support and integrations with other key mortgage tech platforms.

“Technology should make loan officers’ lives easier, not harder,” said Michael Eckley, Flat Branch’s chief technology officer. “There’s a lot of noise today with social media and AI, but, at Flat Branch, we are implementing technology with intention. It’s a transformation of how we support and empower our loan officers.”

According to data from Modex, Flat Branch Home Loans has originated about $2.9 billion in mortgages over the past 12 months and has 296 licensed LOs across its 86 branches.