Tidalwave
- Company typePrivate
- Founded2025
- HeadquartersSanta Ana, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
Tidalwave firmographics
Firmographics- Name
- Tidalwave
- Legal name
- Tidalwave
- Website
- https://tidalwavefinance.com
- Company type
- Private
- Founded year
- 2025
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Tidalwave industry classification
Industry- Product category
- Mortgage Origination Software
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Mortgage Point-of-Sale (POS) & Borrower Intake Portals (FSALALAD)
Keywords
Where Tidalwave is headquartered
LocationHeadquarters
- HQ city
- Santa Ana
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Tidalwave business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- Mortgage Technology Platform: AI-powered mortgage point-of-sale platform that reduces mortgage origination costs and speeds up the process for lenders. Revenue likely derived from platform licensing or transaction-based fees with mortgage lenders.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels1 record
Tidalwave product offering
Product offeringCore offering
Tidalwave offers an AI-powered mortgage point-of-sale platform that automates loan tasks for mortgage lenders. The platform uses agentic AI to process mortgage documents and underwriting workflows, integrates directly with Fannie Mae and Freddie Mac, and is designed to reduce mortgage origination costs while accelerating loan processing for lenders and improving the borrower experience.
Product overview
Tidalwave offers a single unified AI-powered mortgage platform that serves as a point-of-sale solution for mortgage lenders. The platform, called the Tidalwave AI Mortgage Platform, uses agentic AI technology to automate loan tasks, integrate with major industry partners including Fannie Mae and Freddie Mac, and streamline the mortgage origination process. The platform aims to reduce costs and accelerate loan processing for mortgage lenders while improving the borrower experience.
Differentiator
Problem solved
Functional benefit
Products and services
- Tidalwave AI Mortgage Platform An AI-powered mortgage point-of-sale platform that automates loan tasks, integrates with Fannie Mae and Freddie Mac, and reduces mortgage origination costs while speeding up loan processing for mortgage lenders and improving the borrower experience.
Quantifiable outcome
- Targeting 4% of projected U.S. mortgage market by 2026
- +2 more outcomes
Companies that use Tidalwave
Customer profileNamed customers3 records
Segments1 record
Ideal customer profiles1 record
Tidalwave technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability3 records
Feature3 records
Tidalwave partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Fannie MaecoreTidalwave is integrated with Fannie Mae for automated mortgage processing. This integration enables the platform to streamline loan originations with one of the major government-sponsored enterprises.
- Freddie MaccoreTidalwave is integrated with Freddie Mac for automated mortgage processing. This integration enables the platform to streamline loan originations with one of the major government-sponsored enterprises.
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
Tidalwave competitors and assessment
Company assessmentEmerging players
- Snapdocs: Snapdocs focuses on digital closing and mortgage workflow automation for lenders, addressing adjacent parts of the origination process that Tidalwave also targets with task automation.
- Better.com: Better.com is a digital-first mortgage lender with its own automation technology stack, partially overlapping with Tidalwave's focus on streamlining and automating the origination process.
Direct peers
- Blend: Blend offers a mortgage point-of-sale and automation platform to lenders, directly competing with Tidalwave's AI-powered POS targeting loan origination workflows and borrower intake.
- Roostify: Roostify provides a digital mortgage platform with automated underwriting and POS capabilities for lenders, closely aligned with Tidalwave's AI-driven loan task automation value proposition.
- Maxwell: Maxwell is a mortgage POS and point-of-decision platform for lenders and credit unions, competing head-to-head with Tidalwave for the borrower-intake and automation layer.
- SimpleNexus (nCino): SimpleNexus, now part of nCino, is a mobile-first mortgage POS and borrower engagement platform serving lenders, directly comparable to Tidalwave's POS offering.
Broad incumbents
- ICE Mortgage Technology (Encompass): ICE Mortgage Technology operates Encompass, the dominant loan origination system in the US. It is the entrenched incumbent that Tidalwave must integrate with or displace at the POS layer.
- Black Knight: Black Knight provides loan origination, servicing, and mortgage technology infrastructure widely used by US lenders, representing the legacy stack Tidalwave's AI platform must coexist with or displace.
- Mortgage Cadence (Accenture): Mortgage Cadence provides an enterprise loan origination system used by large US lenders, representing another incumbent platform competing for the automation workloads Tidalwave targets.
- Rocket Mortgage: Rocket Mortgage is the largest US mortgage lender and has built significant proprietary technology for digital origination, representing a scaled reference point for what AI-driven mortgage automation could look like at volume.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Tidalwave financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tidalwave leadership team
Management profileNumber of profiles
Profiles1 record
Tidalwave funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tidalwave M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Tidalwave
What does Tidalwave do?
Tidalwave offers an AI-powered mortgage point-of-sale platform that automates loan tasks for mortgage lenders. The platform uses agentic AI to process mortgage documents and underwriting workflows, integrates directly with Fannie Mae and Freddie Mac, and is designed to reduce mortgage origination costs while accelerating loan processing for lenders and improving the borrower experience.
Is Tidalwave a public or private company?
Tidalwave is a private company. It is classified as venture growth investor backed and is currently operating.
When was Tidalwave founded?
Tidalwave was founded in 2025. It employs 11 to 50 people.
Where is Tidalwave based?
Tidalwave is headquartered in Santa Ana, United States, in the North America region.
How does Tidalwave make money?
One revenue line is on record: mortgage Technology Platform.
Who are Tidalwave's main competitors?
Emerging players on record are Snapdocs and Better.com. Direct peers are Blend, Roostify, Maxwell and SimpleNexus (nCino). Broad incumbents are ICE Mortgage Technology (Encompass), Black Knight, Mortgage Cadence (Accenture) and Rocket Mortgage.
Does Tidalwave have an API?
No public API is recorded for Tidalwave.
What industry is Tidalwave in?
Tidalwave's product category is Mortgage Origination Software. Its primary akta.pro industry code is FSALALAD, Mortgage Point-of-Sale (POS) & Borrower Intake Portals. Its NAICS code is 522310 and its SIC code is 6162.