What if kindness never kept a broker waiting?
Kind took TPO to top five in five years. Imagine the whole floor answering at Kwikie speed.
Text Nik · 412.320.1130or ceo@100x.inc
Top 5
Wholesale, in 5 years
12
Kind Non-QM programs
24/7
Kwikie locks, around the clock
scroll
02 · our read
Three things we noticed from outside.
The mandate
Delfino Aguilar, Chief Production Officer since November. Every channel under one desk.
PR Newswire · Nov 11, 2025
The engine
Twelve Kind Non-QM programs. A lock desk that never sleeps.
kindlending.com/tpo/products-and-features
The brand
Brokers voted Kind a top non-QM lender. Kindness sells.
2025 Originator Choice Awards
Off-read? 412.320.1130 sets us straight.
Kind Lending · Irvine, CA
03 · built for your table
Written for the people who run Kind.
Forwarded this link? Good. It was built with your seat in mind too.
Delfino Aguilar
Chief Production Officer
Brokers get answers in minutes, on every channel he runs.
GS
Glenn Stearns
Founder & CEO
The growth story without the headcount line.
JF
Jenn Folk
President
The floor stops being the bottleneck.
YK
Yvonne Ketchum
President Emeritus · Non-QM
All twelve Non-QM programs, enforced on every file.
Roles per kindlending.com announcements, Nov 2025 and Jan 2026
04 · the scenario desk
The weird file, answered before her coffee refills.
An agent matches all twelve programs and drafts the reply. Your AE sends it.
scenarios.kind.example/desk
Live intake·12 programs matched
Self-employed 14 months, 1099 only, 667 mid. Purchase $720K, 20% down. Which program?
Good news. 1099 Only fits today. Send 2025 1099s, two months of statements, the contract. Lockable in Kwikie once registered.
AE Your Kind AE approves and sends. Her name, her win.
05 · the income desk
Twenty-four months of statements become a worksheet.
Transfers stripped, expense factor applied, NSF months flagged for a human.
income.kind.example/file/4471/worksheet
Reading · 48 pages
Business statements · Jan 2024 to Dec 2025
Qualifying income · computed 11:02 AM
Eligible deposits, 24 mo$1,284,400
Inter-account transfers out−$214,150
Expense factor, service business−50%
Monthly qualifying income$22,297
⚠ Two NSF months flagged for human review.
06 · the conditions desk
Conditions clear while the broker sleeps.
Docs match stips. Clears post. Chases send themselves, kindly.
8:31 AMauto-clear onConditions
Loan 88-2041
7 of 9 cleared overnight
✓8:02
VOE letter
Matched and cleared
✓8:19
2025 1099s
Amounts reconciled
→8:31
Insurance binder
Broker pinged with exact wording
·9:00
Appraisal cert
Waiting on AMC, follow-up queued
07 · one broker question, two clocks
The same file, timed.
A wholesale floor today
9:14 AMBroker emails a 1099-only scenario.
all dayThe email waits behind meetings.
4:40 PMAE digs through guidelines, waits again.
next dayAnswer goes out. The broker already moved on.
A day or more.
Your floor, with agents underneath
9:14 AMSame email lands.
9:16 AMAgent drafts the match and the doc list.
9:21 AMYour AE approves and sends.
9:25 AMBroker registers and locks in Kwikie.
Eleven minutes.
08 · the kind stack
Nothing replaced. Everything faster.
Agents sit under the stack you already chose.
Your Kind AEs
The kindness. Every broker-facing word ships with their name.
The agent pod
The speed. Scenario, income, and conditions agents drafting around the clock.
Kwikie · ARIVE · LendingPad
The rails. Your platforms stay exactly where they are.
09 · the pod
What would you name it?
Mine is called Sasha. She built this page. You named the lock desk Kwikie, so naming clearly runs in the family.
Scenario agent
Reads broker questions, matches all 12 programs.
Income agent
Statements, 1099s, P&L. Worksheets out, flags up.
Conditions agent
Matches docs to stips, clears, chases, posts.
Your name here
Kwikie has a sibling coming. You pick the name.
10 · where this has run
Mortgage AI is home turf.
Button Finance · customer
A pre-underwriting agent inside Encompass.
Eight sub-agents reading docs, calculating income, clearing conditions. An audit packet behind every decision.
Angel Oak · workshop
The Atlanta AI-strategy workshop.
A day with Angel Oak Mortgage Solutions' executive team, turning AI vision into a phased non-QM roadmap.
Home.LLC · the origin
A housing finance company run by an agent named Sophei.
Underwriting, capital deployment, and servicing automated across 100M+ analyzed properties.
“Nik is the C-level whisperer.”Alysse Prosnick · EVP Operations · Angel Oak Mortgage Solutions
11 · the floor under it
Built so the kindness stays human.
A person signs every send.
Agents draft. Your AEs and underwriters approve.
Every field shows its work.
Each match traces to the page it came from. Audit-ready by default.
Your data works for you alone.
Files live in your systems and feed your decisions only.
Your stack gets amplified.
Agents make Kwikie, ARIVE, and LendingPad work harder for you.
12
Opposed to exploring further?
Human CEO
Nik Shah
“If AI can do my job, why can't it do your job.”
Nik Shah, CEO, 100×
Built Home.LLC, now 99% run by an AI agent called Sophei. Sold iSquad / SPS. EY alum, entry level to Chief of Staff to the Board in six years. Carnegie Mellon.
Quoted in WSJ, Fortune, Axios and 50+ publications. Called “the most accurate housing market forecaster in America.”