Better's Tinman AI Platform Drives 91% Loan Growth for NEO Home Loans
Event summary
- NEO Home Loans saw a 91% increase in loans funded per loan officer six months after implementing Better's Tinman® AI Platform.
- Total loan production grew from $1.5 billion to $2.6 billion run rate over the partnership year, adding $1.1 billion across 32 new teams.
- Operational efficiencies included a 23% reduction in sales cost per funded loan and a 29% drop in operations cost per funded loan.
- 82% of first-time homebuyers using NEO in 2025 were previous renters, highlighting affordability improvements.
The big picture
Better's partnership with NEO demonstrates how AI-native platforms are reshaping mortgage lending by eliminating traditional tradeoffs between speed and personalized service. The 91% productivity gain for loan officers highlights the strategic advantage of intelligent automation in a market where affordability remains a critical barrier. As mortgage technology evolves, lenders leveraging full-stack AI solutions may achieve sustainable growth while reducing operational costs.
What we're watching
- Scalability Proof
- Whether NEO's growth model can be replicated by other lenders adopting Tinman AI Platform.
- Market Differentiation
- How Better's AI-driven efficiency will position it against traditional mortgage tech providers.
- First-Time Buyer Impact
- The pace at which Tinman AI Platform can expand homeownership access amid broader affordability challenges.
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