Breaking Boundaries in Mortgage Operations: Introducing Areal Copilot Agent

The next generation of mortgage automation has arrived — and it’s intelligent, autonomous, and unbounded.

Today, we’re proud to introduce Areal Copilot Agent, a major leap forward for the mortgage industry. Built on the foundation of Agentic AI, Copilot Agent redefines what’s possible in lending operations — giving processors, underwriters, and closers the ability to build product-ready AI automation that acts, reasons, verifies, and resolves with precision.

This isn’t just an upgrade.

It’s a breakthrough in how AI works for mortgage professionals.

What Is Agentic AI — and Why It Changes Everything

For years, AI has been used to automate manual tasks — classifying documents, extracting data, comparing fees. But these systems were bound by rules. They could only do what they were told to do, step by step.

Agentic AI breaks those boundaries.

Agentic AI introduces a new kind of intelligence — one that understands context, reasons through outcomes, and acts autonomously within defined business guardrails. It doesn’t just execute a workflow — it knows why that workflow exists, and what outcome needs to be achieved.

For mortgage operations, that means the AI can now handle everything from borrower onboarding to closing and post-closing — all while ensuring compliance and accuracy at scale.

From Automation to Autonomy: The Areal Copilot Agent Advantage

Areal Copilot Agent brings Agentic AI to life across every step of the mortgage lifecycle.

It’s not just a system that performs tasks — it’s an intelligent partner that:

• Acts: Executes loan-level tasks across systems like ICE Encompass or Byte automatically.
• Reasons: Understands conditions, rules, and exceptions to make accurate decisions.
• Verifies: Cross-checks all data points and documentation with 99% accuracy.
• Resolves: Flags and fixes discrepancies instantly, keeping loans compliant and investor-ready.

All of this happens in real time, with full transparency and human oversight. Every AI-driven action is tracked and auditable — giving lenders both speed and confidence.

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“Lenders can now leverage Agentic AI for mortgage operations from start to finish — without being bounded by business limitations. Areal Copilot Agent can act, calculate, resolve, and verify any data point,” said Argun Kilic, CEO and Co-founder of Areal.ai.

Build Your Own Agentic Automations — Without Code

One of the most powerful aspects of Areal Copilot Agent is its flexibility.

It empowers any mortgage professional — whether a processor, underwriter, or closer — to create custom AI automations tailored to their own workflows.

With built-in guardrails, users can safely configure the AI to operate within business rules and compliance frameworks. The result is AI autonomy with control — intelligent automation that knows its boundaries but pushes performance far beyond human speed.

For example:

• A processor can configure an AI agent to verify borrower income documents instantly.
• An underwriter can set rules for AI to cross-validate data points across loan conditions.
• A closer can automate CD balancing, funding, and post-close verification — all within one unified flow.

‍The End of Operational Silos

Before Copilot Agent, every stage of the mortgage lifecycle — processing, underwriting, closing, funding, post-closing — was handled separately, often with disconnected tools.

Agentic AI eliminates those silos by creating a connected ecosystem where every workflow communicates intelligently with the next.

Copilot Agent doesn’t just complete tasks — it coordinates them.

It can trigger actions across systems, update data in real time, and notify the right teams — creating a frictionless mortgage operation that’s as connected as it is compliant.

The Impact: Smarter, Faster, More Scalable Mortgage Operations

Early adopters of Areal Copilot Agent are already seeing transformational results:

• Efficiency Gains: Save 6–12 hours per loan through intelligent automation.
• Scalability: Double operational capacity without adding staff.
• Compliance: Every action is logged, verified, and audit-ready.
• Borrower Experience: Faster closings and fewer last-minute delays.

This is the next evolution of Mortgage AI — one that not only automates, but amplifies human expertise.

The Vision Ahead

The launch of Areal Copilot Agent is more than a product milestone — it’s a turning point for the industry.

For years, AI has supported mortgage professionals. Now, it collaborates with them.

At Areal, our mission has always been to simplify home lending through real-time, reliable data. With Copilot Agent, we’re taking that mission one step further — by empowering every mortgage team to achieve autonomy, accuracy, and scale through Agentic AI.

The future of mortgage automation isn’t just about speed — it’s about intelligence that adapts, reasons, and acts with purpose.

Welcome to the era of Agentic AI for Mortgage Operations.