Is the machine ready for $2 billion a month?
Your line, on the Atlanta whiteboard. The market you called for 2026 just showed up.
Call Nik · 412.320.1130 →or ceo@100x.inc
$150B
Your non-QM call for 2026
Nov 12
The Atlanta whiteboard
7 votes
The room's #1 priority
scroll
02 · my read
Seven months since Atlanta. Here is what I see.
01 · the market
Non-QM heads to $150B. Your number, not mine.
Source: your interviews · Chrisman + NMN
02 · the wins
You shipped: quick quote, disclosures, Angela, the Hitch HELOC.
Source: angeloakms.com + catching up with Alysse
03 · the build
Robert's architect holds the roadmap. Speed is the variable.
Source: the November charter + roadmap
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 Angel Oak.
Not just for Tom. If this got forwarded to you, your seat is below.
Tom Hutchens
President
The $2B month, without the headcount line.
Steven Schwalb
Founder / Managing Partner
The non-QM pioneer keeps the lead.
Alysse Prosnick
EVP, Operations
The floor stops being the bottleneck.
John Jeanmonod
EVP of Production
Brokers get answers in minutes.
Brynn Stensrud
EVP of Credit
The credit box, enforced on every file.
Stacey Rayburn
Chief Compliance Officer
An audit trail she can read cold.
04 · November 12, Atlanta
Your room already agreed.
“$2 billion a month, with no increase in staff.”
Tom Hutchens · workshop headline · Nov 12, 2025
Hour one
Goals
A technology company that handles mortgages.
Hour two
Bottlenecks
Stare-and-compare review. Fragmented data.
Hour three
The roadmap
Underwriting automation first. 7 of 7 votes.
Alysse · Operations
Tom · President
Robert · IT
Steven · Founder
Jon
Travis · Credit
7/7
Votes for underwriting automation
$25M+
Annual impact your team scored it
10×
$250M to $2.5B a month by 2030
05 · the 7-vote priority
Imagine the stare-and-compare doing itself.
Fourteen files in, a cited worksheet out. Your underwriter keeps the decision.
underwriting.angeloak · file review
Borrower documents · 14 files
Deposits, Mar$61,420
Deposits, Apr$58,170
Transfers excluded2 flagged
NSF events0 in 12 mo
Expense ratio50% applied
Pushed back to the system
Qualifying income$29,890 / mo
Program fitBank Statement · 12-mo
Guideline tierPass · citations attached
Exceptions1 · routed to human
Decision stays with your underwriter. Every step logged.
06 · the framework
Your wins already spin a flywheel.
Each agent feeds the next. The pod makes the roadmap compound.
Quick quote grows up.Program match with the guideline cite attached.
Statements become worksheets.Citations on every line. An underwriter signs off.
Conditions clear themselves.Docs matched, broker pinged, no phone call.
Compliance reads it cold.Every agent action logged and citable.
07 · the build
What would you name it? Mine is called Sasha.
Sasha runs my back office on Claude. Yours ships beside Robert's architect, in your repo, under his review.
AO
Build thread · week 1your architect + the 100× crew
Your architect · MonSpec is up: income-calc agent, guideline tiers, audit format.
100× engineer · TueBank-statement reader shipped against your spec. Tests green.merged to your repo
100× engineer · ThuGuideline citations wired. Every extraction carries its source.merged to your repo
Your architect · FriApproved. Demoing to Robert at 2.final say, every merge
Your architect · FriRoadmap just moved a square.
08 · the record
You have seen the workshop. Here is the rest.
“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
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 picking the whiteboard back up?
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.”