Tidalwave is a New York-based mortgage technology company that uses agentic AI to streamline the mortgage origination process. Its conversational assistant, Sofia, automates the evaluation of mortgage documents, qualifies borrowers, and provides real-time multilingual feedback, with direct integration into Fannie Mae and Freddie Mac systems. The company aims to power more than 200,000 loans annually, roughly 4% of projected U.S. mortgage originations. In November 2025, Tidalwave raised a $22M Series A led by Permanent Capital, with participation from D.R. Horton (the largest U.S. homebuilder) and a follow-on from Engineering Capital, bringing total funding to $24M.
Tidalwave
ActiveAgentic AI for mortgage origination and borrower onboarding
Total raised
$22M
1 round
Stage
Series A
Nov 2025
Team
11-50
since 2023
Pricing
Freemium
free plan
Founded
2023
New York, United States
Agent-ready
—
Agentic AI mortgage origination
Automated mortgage document evaluation
Conversational borrower assistant (Sofia)
Real-time multilingual borrower feedback
Fannie Mae and Freddie Mac integration
Automated borrower qualification
Lender white-label deployment
Loan pipeline automation
10/100
Early
MCP server
Public API
Webhooks
OAuth 2.0
SDKs
No public agent surfaces detected yet.
Nov 2025 Series A $22M incl. D.R. Horton +2
Capital network
$24M raised ·3 backers·7 network links
- Backers3
- Shared portfoliocompanies these backers also fund
- Extended networkfunds that co-invest alongside them
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- What does Tidalwave do?
- It provides agentic AI that automates mortgage origination, document evaluation, and borrower onboarding for lenders.
- How much has Tidalwave raised?
- Tidalwave has raised $24M total, including a $22M Series A in November 2025 led by Permanent Capital.
- Does Tidalwave integrate with GSEs?
- Yes, its technology integrates directly with Fannie Mae and Freddie Mac.
- Who invested in Tidalwave?
- Permanent Capital led the Series A, with participation from D.R. Horton and Engineering Capital.
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