Better, an AI-native home finance platform, has launched a conversational credit decision engine for mortgages and home equity loans inside ChatGPT through a collaboration with OpenAI.
The new application allows lending teams to connect directly to Better’s Tinman AI underwriting engine within ChatGPT, enabling faster credit decisions and providing lenders with decision-ready information.
Through the integration, Better is extending access to its Tinman AI Platform across the financial services industry using ChatGPT via a custom Model Context Protocol (MCP) connector developed by its engineering team in collaboration with OpenAI.
The company says the technology aims to address inefficiencies in the mortgage industry by enabling loan officers and lenders to process and underwrite loans significantly faster.
Leah Price, General Manager of the Tinman AI Platform at Better, said, “The mortgage industry is riddled with inefficiencies that hurt consumers, as well as the loan officers and lenders who serve them. Big mortgage aggregators in the broker and correspondent channel charge what is essentially a 1–2% tax on each loan just to underwrite a mortgage and deliver it to an institutional investor. That ends now.
“Loan officer teams and banks can simply log into their ChatGPT Enterprise account, download the Tinman AI credit decision engine app, connect their guidelines, pricing and CRM to process, underwrite and fulfill loans nearly instantly; passing thousands of dollars in savings to consumers.
“We’ve put the full power of Tinman inside ChatGPT, a platform more than 100 million Americans already know and trust. This is a total game changer.”
The MCP connector acts as the delivery layer for the platform, while Tinman maintains a real-time snapshot of each loan file, including documents, application data and underwriting actions.
The system uses specialised AI agents to analyse documents, apply underwriting guidelines and generate decision-ready loan assessments supported by detailed decision trees.
According to Better, Tinman has been trained on more than $110bn in funded loans, over 12 million recorded customer calls, and more than five billion pages of credit, income and asset documentation.
Vishal Garg, Founder and CEO of Better, said, “We’re thrilled about our collaboration with OpenAI and the launch of the Tinman AI app in ChatGPT. We have full intention to continue building additional tools on OpenAI that will revolutionise the mortgage and home equity industry together. By reducing the time and cost to originate, we can dramatically lower rates for consumers and make mortgages more affordable for more American families. We’re just getting started.”
“Better is embedding AI at the core of its business, helping its employees and lenders move faster from data to decision,” said Giancarlo “GC” Lionetti, Chief Commercial Officer at OpenAI. “With OpenAI, Better is not only advancing mortgage intelligence for the industry but also demonstrating how AI can transform how financial institutions operate from the inside out.”
