Tidalwave

• If you require extensive, publicly documented security and compliance evidence (e.g., public SOC 2 Type II report and security whitepaper) before engaging, and the vendor cannot provide these under NDA.
• If you rely heavily on independent review-platform coverage to de-risk procurement (limited footprint on G2/Capterra/TrustRadius at the time of this research).
• If you are a small broker shop that needs transparent, usage-based pricing and minimal implementation effort; more established usage-priced POS options may be a better short-term fit.
• If your LOS stack is not among the vendor's documented integrations and you require deep, day-one integrations.
• If you are highly sensitive to AI-related regulatory exposure and require mature model-governance artifacts and explainability frameworks prior to procurement.

• Dual AUS execution at the point of application (DU + LPA) is described in vendor materials and is a workflow feature emphasized by the vendor.
• Real-time verification integrations (Plaid/Argyle/Truv and references to AccountChek) are cited by the vendor and align with industry efforts to reduce document friction.
• Multilingual borrower experience: English and Spanish support are cited in public materials.
• Mobile app for loan officers: an iOS listing and vendor materials identify a native mobile app.

The vendor site includes vendor-selected testimonials from lender executives. These testimonials should be treated as marketing material rather than independent validation. Publicly displayed comments indicate positive sentiment about reducing manual tasks and improving operational transparency, but independent corroboration is limited.

Examples (paraphrased from vendor-provided content):

• An executive at a regional mortgage provider stated that the solution reduced manual tasks for loan officers and described the result as materially beneficial.
• A senior operations and IT leader at a mid-sized lender reported that a deployment helped the team move to a streamlined borrower workflow and cited lower operational overhead in vendor materials.

Tidalwave offers SOLO™, a mortgage point-of-sale (POS+) platform that uses autonomous AI components to automate parts of the mortgage origination workflow, including borrower intake/application, verification, underwriting-related tasks, and lender/borrower communication. The vendor presents the product as intended to reduce manual tasks for loan officers and operations teams while increasing borrower completion rates and data quality.

Key capabilities described by the vendor include:

• Borrower application experience implemented via an AI-guided hybrid chat/questionnaire workflow intended to improve completion rates.
• Dual AUS execution at application (Fannie Mae DU® + Freddie Mac LPA℠) to compare findings.
• Verification integrations (examples cited by the vendor: Plaid, Argyle, Truv; AccountChek referenced on the site) to reduce manual document collection.
• Multilingual borrower support, with English and Spanish available; vendor materials reference plans for additional languages.
• A voice-to-application / IVR concept to convert recorded calls/transcripts into applications (with stated requirement for permission where applicable).
• A native, lender-branded mobile app with push notifications for loan officers.

Important nuance: There are other similarly named products in other categories. This report focuses exclusively on Tidalwave's mortgage POS+ offering.

Tidalwave targets U.S. mortgage lenders, including independent mortgage banks (IMBs), banks, and credit unions. The vendor positions SOLO as a POS layer that integrates with existing loan origination systems (LOS) and underwriting ecosystems.

Vendor messaging emphasizes potential cost and time reductions (often referencing industry research), asserts reduced AI hallucinations and deterministic output behavior, and describes automation of tasks such as letters of explanation and condition mapping. These claims should be validated by buyers through implementation pilots and technical review.