Our story
The plumbing under non-QM was never built.
Conforming lending got forty years of software. Everything outside it got spreadsheets, email, and portals — which is why a loan that is perfectly good takes six weeks and eight thousand dollars to make.
Why we are building this
Non-QM is not a niche. It is every loan that does not fit an agency box — the investor buying a rental, the builder financing a flip, the borrower whose income is real but does not arrive on a W-2. A large and growing share of the market, originated on tools built for a different product.
The cost of that mismatch does not fall on the software. It falls on the broker working nights, the processor chasing the same document for the fourth time, and the borrower paying a rate that reflects friction rather than risk.
We are building the system that should have existed: one record for the loan, a list that knows what that loan owes, and a machine handling the parts that never required a person.
We have done this before
Our team processed 45,000 investor loans and 1.3 million documents at PeerStreet. We are not learning what a non-QM file looks like on your deals. We already know, and we have felt every part of this that does not work.
What we hold to
The record is sacred
A faster experience that loses the audit trail is not faster. It is broken. We do not trade integrity for velocity, ever.
A person owns every outcome
The machine takes the repetitive work. The judgment calls, and the accountability for them, stay with a human who can be asked why.
Nobody is a persona
Our customers wear several hats at once. Plenty of them broker and lend. We build capabilities you switch on, not products aimed at a job title.
Who is building it
We have been on the other side of the file.
Our team processed investor loans at PeerStreet. We know the documents, the exceptions, and the work between a promising deal and a complete file. That experience shapes what we build at Loan Labs.
Come build with us