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

By BrokerOwner.net February 19, 2026 Housing News

Mortgage
technology
firm

Tidalwave
and
Midwest-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.”