Better Home & Finance Shifts Toward AI Mortgage Platform

Company highlights strategic pivot from direct-to-consumer model to serving partners with new Tinman AI platform

Mar. 13, 2026 at 6:05pm

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Better Home & Finance (NASDAQ:BETR) executives used the company's fourth-quarter and full-year 2025 earnings call to highlight a strategic shift from a direct-to-consumer (D2C) mortgage originator toward what founder and CEO Vishal Garg described as a 'vertical AI platform' for the broader mortgage ecosystem. Management emphasized growing adoption of its Tinman AI platform across partnerships, including a large consumer distribution deal with Intuit Credit Karma, expansion with retail mortgage teams through Neo, a new rollout with a top-five U.S. non-bank mortgage originator, and early-stage ramping with reverse mortgage lender Finance of America.

Why it matters

Better Home & Finance's shift from a D2C model to an AI-native mortgage platform serving partners with large customer bases and local originators represents a significant strategic pivot for the company. The move toward enterprise partnerships is expected to have meaningful financial implications, with longer ramp timelines but 'far greater volume potential' and 'far better marginal economics' than the legacy D2C model.

The details

Management said the Tinman AI platform contribution was 0% of funded volume in 2024, rose to 35% in 2025, and the company sees 'a clear path' to over 60% of loan volume coming from Tinman AI platform business in 2026. Key partnership updates include the Credit Karma integration, expansion with Neo, a rollout with a top-five U.S. non-bank mortgage originator, and early-stage work with reverse mortgage lender Finance of America. Better also announced the first conversational credit decision engine integrated into ChatGPT, which has generated inbound interest from dozens of financial institutions.

  • In October 2025, Better went live in the Credit Karma app after more than nine months of work.
  • In February 2026, Better's top-five U.S. non-bank mortgage originator partner went live with 2% of its loan officers on Tinman AI, with work underway to expand to 3,000+ loan officers.
  • In Q4 2025, Tinman AI platform generated $646 million in volume, over 40% of Better's total volume.

The players

Vishal Garg

Founder and CEO of Better Home & Finance.

Loveen Advani

New CFO of Better Home & Finance, who joined the company for his first earnings call as finance chief.

Better Home & Finance

An American company that provides comprehensive homeownership services, including mortgage loans, real estate agent services, and title and homeowner's insurance services.

Intuit Credit Karma

A large consumer financial services company that has partnered with Better Home & Finance on a mortgage distribution deal.

Neo

A retail mortgage team that has expanded its partnership with Better Home & Finance, growing from a $1.5 billion run rate to a $2.4 billion run rate on the Tinman AI platform.

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What they’re saying

“We must not let individuals continue to damage private property in San Francisco.”

— Robert Jenkins, San Francisco resident

“Fifty years is such an accomplishment in San Francisco, especially with the way the city has changed over the years.”

— Gordon Edgar, grocery employee

What’s next

The judge in the case will decide on Tuesday whether or not to allow Walker Reed Quinn out on bail.

The takeaway

This case highlights growing concerns in the community about repeat offenders released on bail, raising questions about bail reform, public safety on SF streets, and if any special laws to govern autonomous vehicles in residential and commercial areas.