Tidalwave projects it will impact over 200, 000 loans by the end of 2026, a growth fueled by a $22 million Series A funding round announced in November, with investments from Permanent Capital and D. R. Horton. Leaders at Flat Branch highlighted that the company’s new point-of-sale system is “built intentionally for today’s borrowers and the loan officers who support them, ” aiming to deliver a faster and more “intuitive” mortgage application experience. Jamie Pandolfo, president of Flat Branch Home Loans, stated, “Thanks to our incredible partnership with Tidalwave, we’ve been able to launch Flat Branch Home. The future of technology is here, and we’re embracing it for a better experience for our borrowers and loan officers. Tidalwave has enabled us to elevate our origination process to the next level. ” Diane Yu, CEO and co-founder of Tidalwave, added, “Flat Branch’s leadership team is demonstrating what it means to actively embrace change rather than wait for it. Their approach to reimagining the borrower and loan officer experience is both rare and impressive.

We’re honored to partner with them and excited that Flat Branch Home is already converting 90% of application starts into submissions—a strong proof point of what’s achievable when exceptional operators leverage modern AI collaboratively. ” Flat Branch Home guides borrowers through every step—from uploading and signing documents to tracking tasks, reviewing disclosures, receiving notifications, and communicating with their loan officers in real time. Its mobile app is available for download via app stores. This system integrates with Tidalwave’s SOLO platform, which enhances borrower-LO relationships and simplifies the application process through features like AI chat support for both parties, automated document handling, lead qualification, underwriting assistance, and connections with other key mortgage technology platforms. Michael Eckley, Flat Branch’s chief technology officer, remarked, “Technology should simplify loan officers’ work, not complicate it. Amidst the current noise around social media and AI, Flat Branch is deploying technology purposefully. We are transforming how we support and empower our loan officers. ” Flat Branch Home Loans reported originating $3. 7 billion in mortgages in 2025 and employs 240 licensed loan officers.