Better.com’s AI growth spike

Tinman AI Platform funded loan volume hit $646 million in Q4 2025, up 34% quarter‑over‑quarter and accounting for more than 40% of Better’s funded loan volume that quarter (investors.better.com). Tinman platform partner launches grew approximately 100% month‑over‑month throughout Q4 2025 during an initial rollout that reached under 1% of a combined partner customer base exceeding 150 million users (investors.better.com). Better’s Betsy AI loan agent handled nearly 100,000 mortgage calls per month in 2025 and automated 35.5% of borrower inquiries end‑to‑end, placing 1.89 million calls that year and saving loan officers roughly 1,666 hours per month (businesswire.com). An enterprise case study reported Betsy delivered a 41% reduction in average cost to originate and a 100% increase in lead‑to‑lock conversion in 2025, with operational changes cited as enabling more competitive borrower pricing (businesswire.com). Better released a Tinman app for ChatGPT Enterprise that the company says can produce decision‑ready underwriting in as little as 47 seconds (median 2 minutes 24 seconds) and can be configured to investor guidelines from more than 45 institutional investors including Fannie Mae and Freddie Mac (housingwire.com). The company doubled a warehouse facility to $350 million—expanding total warehouse capacity to $750 million—to support anticipated origination growth tied to Tinman platform adoption (businesswire.com). Better reaffirmed guidance that monthly origination volumes are expected to exceed $1 billion by May 2026 (more than a 100% increase from an average monthly origination of about $400 million in Q3 2025) and reiterated an expectation to reach adjusted EBITDA breakeven by the end of Q3 2026 (investors.better.com).