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Better Home & Finance
Better Home & Finance (BETR) investor relations material
Better Home & Finance 28th Annual Needham Growth Conference Virtual summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.28th Annual Needham Growth Conference Virtual summary16 Jan, 2026
Business transformation and growth
Shifted from a refinance-focused model to a diversified mix including purchase and home equity loans, leveraging AI and GenAI to improve unit economics and scalability.
Achieved 20% growth in loan volume, 50% revenue growth, and over 10x expansion in home equity business in the past year.
Increased revenue per loan from $7,400 to $8,500 and contribution margin from $500 to $1,700 per loan, with labor cost per fund reduced to $2,500, far below industry average.
Platform business now represents 45% of total revenue, with Tinman AI enabling mortgage brokers and lenders to scale efficiently.
Expectation to double loan volume over the next six months and reach Adjusted EBITDA profitability by end of Q3 2026.
Technology and competitive advantage
Tinman AI consolidates eight traditional mortgage systems into a single end-to-end platform, leveraging a decade of data and AI to automate the mortgage process.
70% of loans are processed as one-day mortgages, with 44% going from lock to commitment in under a minute; target is over 90% AI-driven loans in coming years.
AI-driven efficiencies have reduced labor costs and enabled per-loan pricing, providing a disruptive alternative to legacy systems.
Betsy, the AI loan officer, offers personalized debt advice and refinancing, helping consumers save an average of $2,400 per month.
No other competitor offers a fully integrated, per-funded-loan, end-to-end platform with underwriting and capital markets engines.
Strategic partnerships and market expansion
Signed major contracts with a top five U.S. personal financial services platform and a top five non-bank mortgage originator, replacing legacy systems with Tinman.
Launched with Finance of America for HELOCs and HELOANs, with plans to expand to full mortgage offerings and custom AI solutions.
Successfully scaled Neo mortgage platform, increasing loan officer productivity and funded volume.
Onboarded a small-to-medium bank partner, experiencing strong growth and expanding platform reach.
Tinman AI's market share growth strategy
Future AI impact on labor cost per fund
Affordability initiatives and refinance opportunity
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Next Better Home & Finance earnings date
Q4 202520 Mar, 2026
Better Home & Finance
Next Better Home & Finance earnings date
Q4 202520 Mar, 2026
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Frequently asked questions
Better Home & Finance Holding Company is a digitally native homeownership company serving customers across all 50 U.S. states and the United Kingdom. The company's suite of products encompasses residential mortgage, insurance, and real estate services, aiming to simplify the homeownership process for its clients. BETR offers a range of loan types, including GSE-conforming, FHA-insured, VA-guaranteed, and jumbo loans, catering to a diverse client base comprising GSEs, banks, insurance companies, asset managers, and mortgage REITs. The company is headquartered in New York, NY, and its shares are listed on the Nasdaq.
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