ST. LOUIS, MO — February 13, 2026 — Flat Branch Home Loans, a top mortgage lender in the Midwest with over 700 employees, is proud to announce the official launch of Flat Branch Home, a fully modernized point-of-sale system paired with an intuitive mobile app, in partnership with Tidalwave’s agentic AI platform. Built intentionally for today’s borrowers and the loan officers who support them, Flat Branch Home delivers a faster, more intuitive, and more connected mortgage application experience.
Flat Branch Home Loans is the first independent mortgage banker to implement Tidalwave’s agentic platform from end-to-end, establishing a new era for point-of-sale systems in the mortgage industry.
“Thanks to our incredible partnership with Tidalwave, we’ve been able to launch Flat Branch Home,” said Jamie Pandolfo, President of Flat Branch Home Loans. “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.”
Tidalwave’s SOLO platform provides several capabilities that deepen the borrower-loan officer connection and streamline the application process, including automatic document processing, lead qualification, AI chat support for borrowers and loan officers, underwriting support and integrations with other key mortgage technology platforms.
“Flat Branch’s leadership team is showing the industry what it looks like to lean into change instead of waiting for it. 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.” said Diane Yu, CEO and co-founder of Tidalwave.
Flat Branch Home allows borrowers to start and complete a mortgage application, upload and sign documents, track tasks, review disclosures, receive notifications, and communicate with their loan officer in real time. The platform also features an integrated AI chat assistant to answer borrower questions instantly and securely.
“Technology should make loan officers' lives easier, not harder,” said Michael Eckley, 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.”
Flat Branch Home is now officially live, with the new mobile app available in app stores. Borrowers can apply, communicate, upload documents, and manage their mortgage journey, all from their phone.
This launch marks a major milestone in Flat Branch Home Loans’ commitment to innovation, borrower experience, and loan officer efficiency.
See the full HousingWire press release: Flat Branch Home Loans launches AI mortgage app with Tidalwave
