What if the scenario desk never slept?
You doubled wholesale volume in a year. What happens to broker loyalty when answers come back in seconds?
Call Nik 412.320.1130 →or ceo@100x.inc
2×
Wholesale volume, 2025
11
Business days, clear to close
3
Flex NQM programs on the shelf
From tlstpo.com
scroll
02 · the read
What the public record says you built.
"The fastest-growing wholesale lender." Volume doubled in 2025.
Source: tlstpo.com · HousingWire
Flex NQM Income, DSCR, and a closed-end second. Plus Equity Suite.
Source: tlstpo.com/products
8:50 AM, day one: Will takes the C-suite panel.
Source: IMN Non-QM agenda · June 15
Off-read? 412.320.1130 sets us straight.
03 · your table
Written for the people who run The Loan Store.
One agent on the partner floor, read six ways. Every seat at your table gets its own answer.
Will Pendleton
Chief Business Officer
Brokers get cited answers in minutes, any hour.
Phil Shoemaker
Chief Executive Officer
The growth story without the headcount line.
Jason Lee
President
The partner-first model holds at ten times the brokers.
Teresa Reber
Chief Originations Officer
Eleven days to clear stays eleven days at double the volume.
Lauren Biscamp
Chief Credit Officer
The credit box, enforced on every file.
Jag Chopra
Chief Information Officer
Runs on your rails. Every action logged.
04 · the desk
Imagine answers before the broker hangs up.
Every answer cites your guideline. Every thread becomes training data.
scenarios.[your-platform].com/desk
Scenario desk·9:14 PM · still answering
broker · PhoenixInvestor client, 6 doors, wants a DSCR second behind a 5.1% first. 68% CLTV. Doable?
agentYes, NQM Flex Equity Income CES fits. DSCR reads at 1.22 on the rents you sent. 68% CLTV clears.guideline 4.2.1 · cited
broker · PhoenixRate lock window if she signs this week?
agentPricing scenarios staged in the portal. Your AE has the file, flagged ready.handoff · logged
// every broker answer reviewed by your team's thresholds //
05 · the welcome
Broker 500 onboards like broker 5.
The package lands. Checks run. Your team reviews a green checklist.
partners.[your-platform].com/onboarding
New partner package·Checks running
Verified by the agent
✓NMLS standing confirmed, all states activechecked against the registry
✓E&O policy in force, limits read from the dec pageexpiry diarized for renewal
✓Broker agreement extracted and pre-filledqueued for countersign
Waiting on the broker
·W-9 requested this morningnudge drafted, sends on your approval
·Wire instructions verification call scheduledfraud check, human on the line
06 · the locks
Lock desk triage, sorted before coffee.
Routine extensions clear themselves. Judgment calls reach a human first.
7:58triagedLock desk
Overnight queue
14 requests · 11 self-served
Extension · 7 daysauto-cleared
LN-2241 · within policy · broker notified
Float-down requestauto-cleared
LN-2198 · matrix match · confirm sent
Re-lock after expiryqueued · drafted
LN-2110 · response written, one click to send
Exception · pricingyour call
LN-2089 · material · full context attached
07 · the rails
It runs on rails you already own.
layer 1 · your brokers
Encompass TPO Connect
Your partner portal today. Nothing for brokers to learn.
layer 2 · the agent
One agent, three desks
scenario deskonboardinglock triage
layer 3 · your people
AEs and ops sign the calls that matter
The agent drafts and cites. Humans stay on every material decision.
Same rails, proven. Button Finance runs a 100x pre-underwriting agent inside Encompass today, as a customer.
08 · the agent
What would you name it? Mine is called Sasha.
One agent on your guidelines, four desks at once. It drafts. Your people decide.
desk 01
Scenario
Answers broker scenarios with the guideline cited, any hour.
in scenario · out cited answer
desk 02
Onboarding
Runs every new-partner check and stages the portal account.
in broker package · out green checklist
desk 03
Locks
Clears routine lock requests. Routes exceptions with context.
in lock queue · out triaged desk
desk 04
Watch
Spots brokers going quiet before the volume report does.
in partner activity · out early flags
Sasha runs Nik's day at 100x. Sophei runs servicing at Home.LLC. Yours would work the partner floor, under your name.
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
Built by people who respect an audit trail.
Every answer attributable
Each broker reply traces to the guideline it came from.
No data egress
Runs inside your tenancy. Broker data stays where counsel says.
Your guidelines, encoded
The agent answers from your matrix, exactly as written.
No vendor lock-in
Code transfers. The agent runs on your infrastructure.
Human in the loop, on your threshold. The agent drafts, cites, and queues. Your people sign every material call.
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."