Friday, February 20, 2026

Flat Branch Home Loans Unveils Innovative AI-Driven Mortgage App in Partnership with Tidalwave

Tidalwave is projected to impact over 200,000 loans by 2026, fueled by a $22 million Series A funding round with investments from Permanent Capital and D.R. Horton. Flat Branch Home Loans has launched a new point-of-sale system designed to enhance the mortgage application process, benefiting both borrowers and loan officers. Jamie Pandolfo, president of Flat Branch, highlighted the transformative partnership with Tidalwave, emphasizing the advancements in borrower experiences. Tidalwave’s CEO, Diane Yu, praised Flat Branch for embracing change, noting their impressive 90% conversion rate from application starts to submissions. Flat Branch’s mobile app facilitates document uploads, task tracking, and real-time communication with loan officers. Leveraging Tidalwave’s SOLO platform, the system includes AI chat support, automated processing, and seamless integrations with mortgage tech platforms. With $3.7 billion in originated mortgages in 2025 and 240 licensed loan officers, Flat Branch is at the forefront of mortgage technology innovation.

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