What if your $338B book ran a night shift?
Your team already ships AI. The open ground is the layer that acts while you sleep: advances, recapture, surveillance.
Call Nik 412.320.1130 →or ceo@100x.inc
$338B
Servicing UPB · +11% YoY
4×
Funded recapture vs Q1 '25
$28B
UPB added in Q1
scroll
the read · public record only
You don't shop for AI. You ship it.
01 · shipped
LASI answers loan-level questions.
Live in LoanSpan since Feb 2025. Call-recording retrieval added this year.
Source: GlobeNewswire · Feb 2025
02 · shipped
Bedrock reads the hard documents.
AWS wrote up your servicing document pipeline itself.
Source: AWS Machine Learning blog
03 · the new era
PHH becomes Onity Mortgage.
Glen Messina calls it a technology-driven transformation. Out loud.
Source: HousingWire · Apr 2026
Off-read? 412.320.1130 sets us straight.
Q1 2026 · three pressures
The quarter put three numbers on your desk.
10-15%
pressure 01 · FHA delinquencies
ROE guidance moved down.
Every delinquent FHA loan carries advances your capital funds.
Source: Q1 2026 earnings call · Glen Messina
4×
pressure 02 · the recapture race
Recapture is up. So is the refi wave.
The wave runs off the same book you defend.
Source: Q1 2026 8-K · results release
$28B
pressure 03 · surveillance scale
The book grows faster than headcount.
Hand-built surveillance stops scaling long before the book does.
Source: Q1 2026 8-K · results release
built for your table
Written for the people who run Onity.
The night shift drafts for every seat at this table. Start with yours.
Aaron Wade
EVP · Chief Investment Officer
The whole book answers this seat before 6 am.
GM
Glen Messina
Chair, President & CEO
The transformation story without the headcount line.
SO
Sean O'Neil
EVP · Chief Financial Officer
Advance draws forecast before they hit the capital plan.
SA
Scott Anderson
EVP · Chief Servicing Officer
A $338B book watched loan by loan, nightly.
RB
Richard Bradfield
EVP · Chief Growth Officer
Recapture leads ranked before the dialer warms up.
JE
Jenna Evans
EVP · Chief Risk & Compliance Officer
Human-approved, fully logged, replayable in audit.
imagine if · advances
Every delinquent loan, its own forecast.
Roll rates read nightly. The stop-advance memo drafts itself, citation attached.
advances.onity-agent.internal/fha-watch
nightly run live·portfolio: FHA delinquent
LoanAdvance curve · projectingAgent draft
FHA-•••4471DQ 94d · OH
Stop-advance memo
FHA-•••2210DQ 63d · FL
Loss-mit outreach
FHA-•••9082DQ 31d · TX
Cure likely · hold
agent draft · awaiting your team
Advance balance on this cohort crests next cycle. Stop-advance review on 212 loans, HUD rule cited per loan.
imagine if · recapture
Recapture rings the moment a borrower hits the money.
Rate, equity, and listing signals ranked every morning. Warmest borrowers route to your originators first.
Recapture queue · today
38 in the money · 9 listing signals
Borrower •••71294
rate Δ 1.9ptequity 41%
→ routed to Onity Mortgage LO desk, talking points drafted
Borrower •••18888
listing signalequity 36%
→ cash-out option pack drafted, awaiting LO
Borrower •••40581
rate Δ 1.4pt2nd-lien fit
→ queued for tomorrow's dialer file
imagine if · the watchtower
The whole book answers before the morning meeting.
Ask in plain English. Loan-level answers arrive with the evidence attached.
watchtower.onity-agent.internal/cio
co-issue tape graded overnight·6:05 am
You ask
Where is FHA roll risk concentrating, and what does it do to advances?
Agent answers · with evidence
3 MSAs
drive 61% of new 60+ rolls
+$41M
projected advance draw, base case
1,840
loans cited, drill-down ready
the layer
What would you name it? Mine is called Buck Miller.
Buck Miller works my portfolio the way a CIO would: reads everything, drafts the decision, signs nothing. Yours sits on top of the stack you already paid for.
LoanSpan + LASI
reporting · Q&A
Bedrock IDP
document intelligence
RPA estate
task automation
↓
The agentic layer · the night shift
advances desk · recapture targeting · portfolio watchtower
↓
Your team decides
every draft cited · every action logged
proof · agents in production
Agents already run books like this.
"Without 100x, Home.LLC would have failed. With 100x, we replaced 100+ originators, underwriters, and servicers with a single AI agent "Sophie" and analyzed 100M+ properties nationwide to find the best investment targets."
Nik ShahChief Executive Officer · Home.LLC
"Thank you! Couldn't have done this without your kick-ass team. They absolutely crushed it!"
Felix YeungProduct Leader · Opendoor
"Exactly what we needed in a partnership. You boosted our productivity 100×!"
Rupesh MunotCEO · RSL Solutions
In non-QM today: Button Finance is a 100x customer, and Angel Oak Mortgage Solutions started with the Atlanta strategy workshop.
the defaults
Built the way a servicer audit expects.
Lives on your stack.
LoanSpan, Bedrock, the RPA estate. The layer amplifies what you built.
Every draft carries its citation.
The rule, the data, and a timestamped row your QC team can replay.
Your data stays in your perimeter.
Agents run where your loan data lives. Your compliance posture carries over.
Your team holds the pen.
Agents draft. Your people decide faster. Every dollar-moving call stays human.
your brand's 3D home · onitygroup.com
the question
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 Homie (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."