What if all 400 LOs closed like your top ten?
Same shelf. Same borrowers. A copilot on every desk.
Call Nik 412.320.1130 →or ceo@100x.inc
400+
Loan originators on your platform
48
States served
Day 1
Your IMN AI panel seat
Your HQ · Orange County, CA
scroll
02 · the read
What the public record says you built.
400+ originators, 48 states, built from Orange County up.
Source: arborfinancialgroup.net
Conventional to non-QM, ITIN, reverse. Few menus run this wide.
Source: arborfinancialgroup.net product menu
Ryan takes the IMN AI stage on day one.
Source: IMN Non-QM agenda · June 15
Off-read? 412.320.1130 sets us straight.
03 · your table
Written for the people who run Arbor.
One copilot on the shelf, read six ways. Every seat at your table gets its own answer.
Ryan O'Kane
CEO & Co-Founder
The growth story without the headcount line.
Sam Pavoni
Chief Financial Officer
More closings per LO on the same cost base.
Shirley Sherrill
Chief Operating Officer
The floor stops being the bottleneck.
John Goodpaster
Executive Managing Director
Every branch closes like the flagship.
Patty La Giglia
Chief Transformation Officer
Change that lands on desks, not in decks.
David Walters
Managing Director of Operations
Files keep moving after the office goes dark.
04 · the call
Qualified before the borrower hangs up.
The LO describes the scenario once. The copilot ranks your whole shelf.
10:22copilot liveNewport branch
Scenario deskyour shelf · every program
LORestaurant owner, 9 yrs. Strong deposits, lean returns. $910K purchase, 25% down, 740s.
copilotBank statement 12-mo fits best. Deposits qualify what the returns hide. 75% LTV clears.
LOShe needs an answer before Saturday's open house.
copilotDoc list sent: 12-mo statements, CPA letter, LOE. Pre-qual letter drafted for your sign-off.
copilotBackup option ranked: ITIN program if entity docs change the picture.
05 · the chase
The doc chase runs itself.
Nudges draft themselves. The borrower always knows where things stand.
copilot.[your-platform].com/files/active
File 2026-1184·Bank statement · 3 items open
12-month bank statementsreceived · read
deposits totaled · income calc drafted for review
CPA letternudge sent
second reminder drafted · sends on LO approval
Letter of explanationdrafted for borrower
pre-written from the file · one signature needed
borrower text · "Good news: statements are in and look great. One letter left to sign." Sent 4:02 PM.
06 · the flywheel
More closings per LO turns the whole wheel.
1
Qualify in the call
Scenario answered while the borrower is still on the line.
2
Docs chase themselves
The copilot nudges, reads, and totals. The LO sells.
3
Borrowers feel looked after
Status texts go out before anyone asks.
4
Referrals and recruits follow
Happy borrowers refer. Productive desks recruit.
07 · the shelf
Your breadth is the moat. The copilot makes it usable.
Wide menus win borrowers. They also bury LOs in guidelines. Not anymore.
From arborfinancialgroup.net · non-QM
Conventional
FHA
VA
USDA
Jumbo
Non-QM
Bank statement
ITIN
Investment / DSCR
Renovation
HELOC
Cash-out refi
ARM
Reverse
08 · the agent
What would you name it? Mine is called Sasha.
One copilot on your guidelines, four desks per LO. It drafts. Your people send.
desk 01
Scenario
Reads the borrower's situation against every program you carry.
in scenario · out ranked programs
desk 02
Docs
Chases, reads, and totals every document on the list.
in doc list · out complete file
desk 03
Comms
Drafts borrower updates before anyone has to ask.
in file state · out status texts
desk 04
Pipeline
Watches every file. Flags stalls while there is time.
in pipeline · out live flags
Sasha runs Nik's day at 100x. Sophei runs servicing at Home.LLC. Yours would carry the Arbor name, on your shelf.
09 · the receipts
Lenders already run 100× agents.
Button Finance runs a 100x pre-underwriting agent inside Encompass today, as a customer. Angel Oak Mortgage Solutions brought 100x to Atlanta to shape its AI strategy. Home.LLC runs 99% on an agent called Sophei.
★★★★★
"Exactly what we needed in a partnership. You boosted our productivity 100×!"
Rupesh Munot · CEO · RSL Solutions
★★★★★
"Thank you for not just replicating, but improving our workflow. Love your proactive thinking!"
Laura Guilbert · Operations Lead · Mainstay
★★★★★
"You've helped us acquire real estate faster as our strategic partner and have expanded with us."
Ted Farry · COO · Fortune Acquisitions
10 · the defaults
The LO stays the relationship.
LO-first by design
The copilot amplifies the LO's reach. Borrowers hear their LO's voice.
Borrower data stays home
Runs inside your tenancy. Files stay where compliance says.
Your guidelines, encoded
Every answer traces to a program you actually carry.
No vendor lock-in
Code transfers. The copilot runs on your infrastructure.
Human in the loop, on your threshold. The copilot drafts and queues. The LO sends every borrower-facing word.
11
Opposed to exploring further?
Human CEO
Nik Shah
"If AI can do my job, why can't it do your job."
Nik Shah, Temporary CEO, 100×
Built Home.LLC, now 99% run by an AI agent called Sophei. Sold iSquad / SPS. EY alum. Carnegie Mellon "Tartan on the Rise."
Quoted in WSJ, Fortune, Axios and 50+ publications. Called "the most accurate housing market forecaster in America."