Tidalwave transforms every step of the mortgage journey
Get back to the more impactful work while AI handles data entry, document review, and loan processing 24/7.
First contact
A borrower starts their application (or responds to a loan officer’s invitation) and Tidalwave springs into action. With no waiting, no lead goes cold, achieving a 40% reduction in lead abandonment in first 24 hours.
Voice-to-app technology
It transcribes phone conversations into started applications in real-time.
Document Transcription
Text or email their information, and our AI instantly extracts loan data and begins populating their application.
Multi-Language
SOLO AI answers their questions immediately, any time of day or night, in over 30 languages.
Application starts
Our AI-guided conversational interface enables borrowers to complete applications in 35 minutes, fully verified with all documents uploaded.
24/7 Support
SOLO Assist answers borrower questions instantly — in plain language, any time of day.
White-labeled mobile app
Borrowers and partners use a white-labeled mobile app branded for the lender, enabling them to complete their application from anywhere.
Loan Officers’ SOLO app
Manage applications and communicate on the go with the SOLO by Tidalwave app — built for loan officers and personalized with your lender's colors and branding.
Pre-qualification
The moment borrowers submit their application, Tidalwave runs automated underwriting (DU® and LPA for lenders, or DO® and LPA for brokers), comparing findings to select the best outcome. With instant pre-qualification, loan officers focus only on exceptions.
Immediate Pre-qual Letter
Within minutes, borrowers receive the confidence-building pre-qual letter that turns their dream into a tangible next step.
No need to retouch
Self-directed pre-qualification generates a verified letter instantly, no loan officer touch required for straightforward scenarios.
Minimum Effort
Loan officers only handle complex exceptions that need their expertise.
Document collection & Verification
Smart task lists show borrowers exactly what’s needed based on their unique scenario (no generic checklists requesting irrelevant documents), and no manual reviews needed if documents pass AI verification.
30+ direct integrations
We integrate directly with over 30 income, asset, and credit data providers, so verified borrower information is ready the moment you need it.
Document Assist Agent
When borrowers opt to upload documents themselves, our Document Assist agent automatically checks uploads and catches errors in real-time.
Notifications & Co-Browse
Know the moment documents arrive with instant push notifications. When borrowers get stuck, use co-browse to see their screen and guide them through.
Bank Statement and Asset Analysis
Our Asset Assist completes forensic analysis in five to six minutes, what traditionally takes underwriters two to four hours per borrower.
Focus on decision-making
The full transaction breakdown waits ready when your underwriter opens the file, letting them focus on judgment and decision-making rather than data extraction.
Asset Assist
Tidalwave automatically categorizes every transaction, identifies income patterns, and flags invisible debts, recurring deposits, and potential rent payments.
Instant Answers
Ask the questions an underwriter would ask and get immediate, data-backed responses, with no manual calculations needed.
Underwriting prep
AI generates compliant letters of explanation for credit inquiries, large deposits, employment gaps, and even interviews borrowers when applicable, eliminating 70% of manual tasks.
Automated Borrower Tasks
Condition mapping interprets AUS conditions automatically. It updates borrower task lists in language they understand, and gets to a clean file prior to underwriting submission with minimal LO effort.
Scenario pricing tool
Not every loan fits neatly into a box. With our scenario pricing tool, loan officers can mix and match different products and terms to find the right fit for each borrower.
Smart LOS Synchronization
SOLO syncs automatically with your LOS, eliminating the need for loan officers to toggle between systems. Document Assist reads barcodes and detects signatures on Encompass disclosures, ensuring nothing is missed.
Submission to close
Push to LOS happens with one click or automatically via lender-configurable triggers (such as TRID for compliance). Complete data transfers seamlessly to LOS, reducing condition-clearing time by 40% with fewer clarification calls.
Intelligent Condition Mapping
AI-powered condition management evaluates AUS findings alongside underwriting requirements, surfacing what's needed so underwriters spend less time tracking down information and more time closing.
LOS Data
Everyone operates from the same source of truth, in real-time, with full transparency, getting to clear-to-close 30% faster.
Audit Log
SOLO maintains a complete audit log of the loan's lifecycle, every borrower question, LO interaction, and data update, for full regulatory compliance.
Closing and funding
LOs adjust loan parameters in real-time to optimize borrower terms, with pricing updating automatically. Rate locks execute at the optimal moment, helping loans close fifteen days faster than industry average.
Pipeline
Built-in analytics show exactly where every loan sits in your pipeline, revealing bottlenecks before they become problems.
Portfolio
Post-close analytics reveal exactly which lead sources converted, showing true ROI of every marketing dollar spent.
Closing Portal
Keep everyone in the loop with our closing portal. Lenders, closing agents, and borrowers can track documents in real-time, making hybrid closings smoother and less stressful, all through your branded mobile app.
The Complete Picture
Life With
Tidalwave | Traditional
Processes | |
|---|---|---|
Average Days | 30 | 45 |
Borrower's Experience | Stays engaged | High frustration |
Loan Officer's Experience | Focused
on relationship | Manual
bottlenecks
at every stage |
