About
Tidalwave is an agentic AI mortgage point-of-sale platform. Founded 2023 by Diane Yu (ex-Better.com CTO), Jack Deng, Cheng Li. Raised $24M total ($22M Series A Nov 2025 led by Permanent Capital with D.R. Horton). Powers 200K+ loans annually (~4% of US mortgage market). Integrations with Fannie Mae, Freddie Mac, Plaid. Customers include DHI Mortgage, NEXA Lending, First Colony.
Key Facts
- [1]Funding: Total funding: $24M. Last round: Aug 2024. Stage: Early Stage.
- [2]Employees: Employee count: 1-10.
- [3]Website: Official website: tidalwave.ai.
- [4]AI Technology: Core AI/ML technologies: Predictive ML.
- [5]Region: Region: Americas (United States).
Founder
Tidalwave Team
Early stage
AI Technology
Predictive ML
Traditional ML algorithms for classification, regression, and scoring models
Classification
Market Segments
Tech Stack Layers
Details
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Frequently Asked Questions
What is Tidalwave?
Tidalwave is an agentic AI mortgage point-of-sale platform. Founded 2023 by Diane Yu (ex-Better.com CTO), Jack Deng, Cheng Li. Raised $24M total ($22M Series A Nov 2025 led by Permanent Capital with D.R. Horton). Powers 200K+ loans annually (~4% of US mortgage market). Integrations with Fannie Mae, Freddie Mac, Plaid. Customers include DHI Mortgage, NEXA Lending, First Colony. Tidalwave is classified in the Lending & Credit segment at the Automation layer of the financial AI stack.
Who founded Tidalwave?
Tidalwave was founded by Tidalwave Team (Early stage).
How much funding has Tidalwave raised?
Tidalwave has raised $24M in total funding, placing the company at the Early Stage stage. The most recent round closed in Aug 2024. Among 81 funded Lending & Credit companies, Tidalwave ranks #66 by total capital raised. (Source: AIFI Map directory.)
What AI technology does Tidalwave use?
Tidalwave primarily leverages Predictive ML technology. Traditional ML algorithms for classification, regression, and scoring models. Within the Lending & Credit segment, 58 companies use this technology.
What market segment does Tidalwave operate in?
Tidalwave operates in the Lending & Credit market segment. AI lending and credit companies are reimagining how creditworthiness is assessed, loans are originated, and debt is managed across consumer, small business, and commercial markets.
Who are Tidalwave's competitors?
Companies similar to Tidalwave in the Lending & Credit space include Greenlite ($20M raised), Upstart ($160M raised), Zest AI ($357M raised), Pagaya ($75M raised), Scienaptic AI ($17M raised). These companies operate in related areas of financial AI: Greenlite focuses on ai agents that accelerate aml reviews. Upstart focuses on ai lending platform using alternative data for credit decisions. Zest AI focuses on ai-automated underwriting for credit unions and banks. (Based on AIFI Map classification data.)
What products does Tidalwave offer?
Tidalwave builds automation-layer solutions for the financial services industry. The company's core offering: Agentic AI for mortgage processing. The platform is powered by Predictive ML technology.