What will you build inside Acra?
You built Xome inside Mr. Cooper. Now you hold the leading non-QM platform and 18,000 broker partners.
Call Nik · 412.320.1130 →or ceo@100x.inc
40+
Licensed states
$11B+
Loans funded
18K+
Broker partners
20+
Years in non-QM
scroll
02 · my read
Three things stand out from your pages.
01 · the builder
Xome, Mr. Cooper, LendingPoint. Shawn builds inside lenders.
Source: HousingWire + Scotsman Guide, Aug 2025
02 · the platform
Fifteen programs, Glide, Quick Pricer, published turn times.
Source: acralending.com
03 · the currency
Brokers pick the lender that answers first.
Source: your own Turn Times page is the promise
Off-read? 412.320.1130 sets us straight. Or keep scrolling and check the read against the work.
03 · built for your table
Written for the people who run Acra.
Not just for Shawn. If this got forwarded to you, your seat is below.
Shawn Stone
Chief Executive Officer
The growth story, without the headcount line.
Kyle Gunderlock
President & Chief Risk Officer
More volume, with the risk box enforced on every file.
Suzy Lindblom
MD, National Operations
The floor stops being the bottleneck.
Brian Jones
MD, Chief Technology Officer
Runs on your rails. Every action logged.
Ellen Coleman
CFO, Treasurer
Cost per file bends down as volume bends up.
Manuel Lastra
MD, Head of Capital Markets
Every loan ships with a trail investors can read.
04 · the framework
The platform is built. The hours under it are next.
What brokers touch
Glide, Quick Pricer, Turn Times
Your storefront. Already sharp, already public.
Where the hours go
Scenarios, income calcs, conditions
Every answer a human types today.
scenario desk
12-mo statements
condition clearing
What you could build
An agent pod under your team
It answers, calculates, and clears. Your people approve. The Xome playbook, replayed at Acra.
05 · imagine
Imagine every scenario answered in minutes.
Program match, guideline cite, pricing pointer. Before the broker tries another lender.
SD
Scenario deskbroker channel · 8:42 am
Broker · 8:42Self-employed 14 months, strong deposits, 68% LTV purchase. Where does this fit?
Acra agent · 8:4312-Month Bank Statement. Deposits qualify with a 50% expense ratio.guide 4.2.1 cited
Acra agent · 8:43P&L program also fits if the CPA letter is current. Both priced on today's sheet.rate sheet 06-10
Broker · 8:45That was fast. Sending the file to Glide now.
Acra agent · 8:45Watching for it. Your AE gets the summary.human approves the lock
06 · imagine
Imagine statements becoming worksheets.
Your flagship program, with the math done before an underwriter opens the file.
acra · income worksheet · 12-month bank statement
Borrower statements · 12 files
Deposits, Jan$54,310
Deposits, Feb$49,880
Transfers excluded3 flagged
NSF events0 in 12 mo
Expense ratio50% applied
Worksheet, drafted
Qualifying income$26,140 / mo
Program fit12-Month Bank Statement
Guideline checkPass · cites attached
Exceptions1 · routed to human
Your underwriter signs off. Every step logged.
07 · the pod
What would you name it? Mine is called Sasha.
Sasha runs my back office on Claude. Yours would live inside the Acra stack, reporting to your team.
Scenario
Answers brokers with a program match and the guideline cite.
Income
Bank statements to a worksheet your underwriter signs.
Conditions
Docs matched, conditions cleared, broker pinged in Glide.
Audit
Every action logged and citable. Compliance reads it cold.
Each agent amplifies a surface you already ship: Glide, Quick Pricer, the turn-time promise. You set the architecture. They do the staring.
08 · the record
Built with non-QM lenders already.
“Nik is the C-level whisperer. His discovery workshop sparked a valuable, thought-provoking discussion—framing the big picture while guiding us toward practical next steps that brought clarity and new ideas for our next moves.”
Alysse Prosnick · EVP Operations · Angel Oak Mortgage Solutions · from the Atlanta AI workshop
Customer · in production
Button Finance runs a 100× pre-underwriting agent inside Encompass: HELOC files read, conditions checked, audit packet attached.
Proof at home
Home.LLC, Nik's housing finance company, runs 99% on an AI agent called Sophei. The method gets tested on his own P&L first.
09 · Dana Point, June 15
Opposed to exploring what you'd build?
Human CEO
Nik Shah
“If AI can do my job, why can't it do your job.”
- 2013-2019Ernst & Young. Entry level to Chief of Staff to the Board.
- 2019-2025Home.LLC. Housing finance co, now 99% AI-managed by “Sophei.”
- 2023-2024iSquad / SPS. Scaled and sold a staffing company.
- 2025-now100×. Custom AI agents for businesses.
Featured in WSJ, Fortune, Axios and 50+ publications. Called “the most accurate housing market forecaster in America.”