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.

Tinman has been trained on over $110 billion in funded loans, more than 12 million recorded customer calls, and over five billion pages of credit, income, and asset documentation.

Better’s leadership emphasizes reducing time and cost to originate mortgages, with the aim of lowering rates and increasing affordability for more American families.

Industry quotes underscore underwriting inefficiencies and the potential for substantial savings and faster processing through AI-powered decisioning within ChatGPT.

The MCP connector serves as the delivery layer, while Tinman maintains real-time loan file data and underwriting actions, with specialized AI agents analyzing documents and applying guidelines to generate decision-ready assessments.

Lenders can connect to Better’s Tinman AI underwriting engine inside ChatGPT via a custom Model Context Protocol (MCP) connector, enabling faster credit decisions and decision-ready loan information.

OpenAI and Better executives describe the integration as a move to transform mortgage operations from data to decision inside financial institutions.

The initiative fits Better’s broader strategy to embed AI across its business and to extend Tinman AI Platform access to the wider financial services industry via ChatGPT.