NEO Home Loans Adopts Better’s AI-Driven Tinman Underwriting Infrastructure to Expand Advisor Capacity and Speed Loan Decisioning

NEW YORK--(BUSINESS WIRE)--NEO Home Loans powered by Better announced that its advisor network is now leveraging Better’s AI-powered underwriting infrastructure, including the recently launched Tinman AI application built within ChatGPT, to accelerate loan decisioning, reduce manual bottlenecks, and increase advisor capacity.

The rollout reflects the continued impact of NEO’s integration with Better’s mortgage technology platform and represents a step forward in combining advisor-led guidance with AI-enabled infrastructure designed to improve speed, consistency, and operational leverage.

Mortgage underwriting has traditionally relied on sequential manual reviews across income, credit, appraisal, title, and compliance. While designed to manage risk, this process can extend timelines, create workflow bottlenecks, and limit the number of files advisors can efficiently manage.

Through Better’s AI-powered Tinman application, underwriting inputs can now be evaluated in parallel rather than in a strictly linear process. By leveraging large language model capabilities within a controlled mortgage underwriting environment, Tinman helps automate documentation analysis, surface risk insights earlier in the process, and reduce manual friction for support teams.

In internal testing conducted by Better, certain underwriting reviews have been completed in as little as 47 seconds. Actual timelines vary depending on loan complexity, documentation quality, and loan program requirements. The objective remains consistent: reduce time-to-decision, increase loan certainty, and allow advisors to manage a higher volume of files without sacrificing borrower experience.

“We believe the future of mortgage belongs to platforms that combine human judgment with intelligent infrastructure,” said Ryan Grant, President of NEO Home Loans powered by Better. “By leveraging Better’s Tinman AI capabilities, our advisors are able to move faster, operate more efficiently, and deliver a stronger experience to borrowers and referral partners.”

As lenders continue to navigate margin pressure and rising consumer expectations, underwriting speed is evolving from a service differentiator into a structural operating advantage. Faster, AI-assisted workflows can improve pull-through, strengthen referral partner confidence, and expand production capacity without requiring proportional increases in headcount.

NEO Home Loans powered by Better views this integration as part of a broader strategy to modernize mortgage infrastructure through collaboration with Better and its technology partners, creating a platform designed for long-term advisor growth and improved borrower outcomes.