Better SPAC Presentation Deck
Tinman enables us
to manufacture
higher quality loans
with fewer errors
and superior credit
performance
●
●
Our technology matches investor
criteria directly with verified data
from our customer financial and
property graph
This provides us with deeper
certainty around a customer's ability
to repay their loan and reduces
human error as loans are originated
1. Industry data released on a 5-6 month lag. Q3 and Q4 2020 data
currently unavailable.
2. Source: ARMCO Aces Risk Management - Mortgage QC Industry
Trends (Q1 2021 - Q2 2020)
3. Note: loans that were less than 700 FICO score made up less than 3%
of our total loans in 2020
4. Source: eMBS
Better
Fewer Underwriting Errors
Percent of Loans Originated with Net Critical Defects ¹
1.43%
0.74%
Driving Superior Credit Performance
Cumulative 90 Day Delinquencies by Origination Year (FICO >=700)³
2.37%
2018
1.72%
Q2'19
1.53%
Better
0.36%
Better Industry Average²
2.43%
2019
1.88%
Q2'20
0.25%
Fannie Average4
0.50%
2020
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