---
title: "Owen Rickert Initiates Buy on Better Home & Finance, Citing AI-Driven Growth, Credit Karma Partnership Traction, and Setting $38 Price Target"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/292223195.md"
description: "Northland Securities analyst Owen Rickert initiated a Buy rating on Better Home & Finance with a $38 price target. He cites AI-driven growth, strong traction from the Credit Karma partnership, and improved fundamentals as key drivers. Rickert believes the company is well-positioned to gain market share in the mortgage sector through its Tinman AI platform and strategic alliances, anticipating volume expansion as interest rates ease."
datetime: "2026-07-09T16:05:24.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/292223195.md)
  - [en](https://longbridge.com/en/news/292223195.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/292223195.md)
generator: "portal-rs"
---

# Owen Rickert Initiates Buy on Better Home & Finance, Citing AI-Driven Growth, Credit Karma Partnership Traction, and Setting $38 Price Target

Northland Securities analyst Owen Rickert upgraded the rating on Better Home & Finance to a Buy today, setting a price target of $38.00.

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Owen Rickert has given his Buy rating due to a combination of factors related to Better Home & Finance’s improving fundamentals and strategic positioning. He views the company as poised to gain share in a challenging mortgage market, driven by multiple growth channels, including key enterprise alliances, enhanced AI capabilities, and a leaner cost base that supports operating leverage as volumes scale.

Rickert also emphasizes the early yet significant traction of the Credit Karma partnership, where Better is processing hundreds of applications per day and only a small fraction of the member base is currently tapped. With plans to add HELOC and purchase products and a goal of becoming a leading U.S. mortgage originator, he believes the existing funnel and Tinman AI platform could support rapid volume expansion once rates ease, justifying his Outperform rating and $38 price target.

Rickert covers the Consumer Cyclical sector, focusing on stocks such as Barnes & Noble Education, Life Time Group Holdings, and Stitch Fix. According to TipRanks, Rickert has an average return of 5.6% and a 50.68% success rate on recommended stocks.

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- [Better Home & Finance special committee urges shareholders to reject ex-CEO Garg bid to oust five directors](https://longbridge.com/en/news/297517536.md)
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> **Disclaimer: This article is for reference only and does not constitute any investment advice.**