The AI-native platform for mortgage origination
Tinman is the only true end-to-end loan origination platform, combining CRM, POS, LOS, Pricing, Rules & Decisioning, Document Management, and Funding into a single seamless system — reducing loan origination costs by up to 75%.
One platform. One source of truth.
AI that actually works.
Mortgage technology was never built as a unified system — until now.
For decades, lenders have relied on disconnected point systems stitched together through patchy integrations and manual work.
Tinman unifies the entire origination process into a single platform with one workflow, one data model, and one source of truth — from lead through funding.
AI isn’t layered on top. It’s the foundation of the system.
The result: faster operations, fewer handoffs, lower origination costs, and more loans funded with fewer resources.
Legacy LOS
10 systems, 10 sources of truth
Copilots hallucinate around the seams
Sequential, hand-off heavy workflow
Pilot screenshots, not production volume
Tinman®
One integrated stack — POS through investor delivery
One agent, grounded on a rules engine that decides every loan
Parallel workflow; multi-user in the same file
$110B+ in real production volume across 50 states
White-label intake
- borrower
- property
- documents
- verified
- priced
- audit-ready
Decisioned file, audit-ready
Production, not pilots.
Every number on this page is from live Tinman volume — sourced from Better's monthly operating data and the MBA Bankers Performance Report (Q4 2024).
Choose the model that works for you.
Pay for outcomes, not effort.
Different operating models. One unified platform. Tinman delivers the flexibility to deploy what you need today while preserving a single architectural foundation for the future.
Tier 01 • Just the platform
Tinman Software
For lenders with their own ops who want best-in-class infrastructure.
End-to-end platform — POS to eClose
AI Mortgage Advisor included
White-label borrower portal
API-first integrations
Onboarding in weeks, not months
Tier 02 • Tinman runs your fulfillment
Tinman + Ops & Fulfillment
For lenders who want to scale capacity without scaling headcount — Tinman operates processing, underwriting, and closing as a managed service.
Everything in Tier 01
Tinman-staffed processing & UW
SLA-backed condition clearing
24/7 borrower support
Quality: 0.23% post-close defect rate
Tier 03 • End-to-end origination
Mortgage in a Box
For banks, fintechs, and distribution partners that want to offer mortgage without standing up the operation — Tinman runs sales, platform, fulfillment, and secondary end-to-end, white-labeled under your brand.
Everything in Tier 02
White-labeled sales channel
Pricing & capital markets desk
Compliance & QC managed
Live in 8–12 weeks
Built end-to-end.
Everyone else integrates.
 |
Encompass | Empower | Vesta | Tidalwave | |
|---|---|---|---|---|---|
| End-to-end platform (POS – LOS – eClose) | △ | △ | ✕ | ✕ | |
| Rapid onboarding | Weeks | Months | Months | Months | Months |
| Pricing per funded loan | ✕ | ✕ | ✕ | ✕ | |
| Real-time pricing engine | ✕ | ✕ | ✕ | ||
| AI underwriting & conditions automation | ✕ | ✕ | ✕ | ||
| Open AI integration | ✕ | ✕ | ✕ | ✕ |
Answers before you ask
How fast can we go live?
Onboarding takes weeks, not months. Tinman is one system — there's no POS-to-LOS integration project, no parallel vendor implementations, and no data reconciliation to build.
How is Tinman priced?
Per funded loan. We only make money when you do — there are no seat licenses or platform minimums standing between you and ROI.
Do we have to replace our ops team?
No. Choose Software Only to run Tinman inside your existing operations, add Tinman-powered ops & fulfillment when you want capacity, or go fully managed with Mortgage in a Box.
Does Tinman replace our LOS?
Yes — and your POS, decision engine, pricing engine, and closing tools. Tinman covers the full origination lifecycle in a single loan file, with white labeling and an API-first ecosystem.
Are AI-underwritten loans saleable?
Integrated fraud detection and compliance review keep files secondary-market ready. Tinman's post-closing critical defect rate is 0.23% versus a 1.52% industry average (Q4 2024).
What products does Tinman support?
First mortgages and home equity. HELOCs close in as fast as 5 days with a credit box down to 620 FICO and loan amounts up to $750k, plus a fixed-rate HELOAN option.
We don't just pitch mortgage tech. We run our tech across all of our loans — and we'd like to walk you through how it works on a real loan file.
$110B+
originated on Tinman
600K
funded loan documents
4.8B
pages of underwriting context
12M
recorded LO conversations
