Introducing Gen 4 · The Industry's #1 CD Solution
Patent Pending
Gen 4 adds automated TRID tolerance categorization, real-time LOS write-back visibility, and a new balancing engine that reconciles an entire title CD in one to two minutes. Closers review flagged exceptions only — faster, deeper, and fully auditable.
Full CD Balancing — Gen 4 Engine
Manual
Gen 4
✓ TRID tolerance auto-categorized per fee
✓ LOS write-back visible before it commits
✓ Full audit trail at the moment it happens
1–2 hours
saved per loan on fee reconciliation
NEW
Gen 4 is here — TRID tolerance tracking, faster balancing, full audit trail.
See what's new →GEN 4 · WHAT'S NEW
NEW IN GEN 4
Every fee is auto-classified into its TRID tolerance bucket (0%, 10%, unlimited) as it's matched — no manual lookup required.
100%
of fees auto-categorized
NEW IN GEN 4
See exactly what will push back to Encompass before it commits — field-by-field, with a preview step closers can review first.
0
surprise LOS updates
NEW IN GEN 4
Every match, flag, and override is timestamped and attributed — ready for investor or compliance review without reconstruction.
1–2 min
full CD balanced
CD balancing is the reconciliation step near the end of a mortgage closing where the lender's Closing Disclosure is matched, line by line, against the title company's CD or settlement statement. A Closing Disclosure carries 50 to 60 fee line items, and each one has to agree with the settlement agent's figures and sit inside the TRID tolerance category that governs it.
Areal CD Balancer is CD balancing software that automates that step. It reads every fee off the title CD, matches it against the lender's CD and the fees already in the loan origination system, classifies each fee by its TRID tolerance, and writes the corrections back into the LOS.
“Closers get an unprecedented level of confidence and speed with CD Balancer. We already built the industry's #1 CD balancing solution. This release takes it deeper — every fee's tolerance status, every change to the LOS, visible before it happens, and a full CD balanced in one to two minutes.”
Argun Kilic
CEO, Areal.ai
THE PROBLEM
Closers manually match lender fees to title fees across every line, then repeat the pass whenever a fee changes.
3-4 rounds per loan
Fee reconciliation alone consumes hours that could go toward closing more files — while teams average only 4-6 closings a day.
4-6 files/day
Peak volume compounds manual error rates, forcing overtime and rushed reviews right when accuracy matters most.
9.6% defect rate
HOW IT WORKS
1
Drop in the lender CD and the title CD. Areal reads every line item on both.
2
Each line is matched and categorized by TRID tolerance in seconds, with discrepancies flagged automatically.
Exceptions only for review
3
Only flagged mismatches need a human look — everything else is already reconciled.
4
Balanced fees write back to Encompass automatically, with a full audit trail and summary email to all parties.
Recording Fee
MATCHED
Title — Lender's Title Policy
MATCHED
Settlement Fee
FLAGGED
Tolerance review runs inside the balancing step, so every closer applies the same standard on every file — no drift between your fastest and newest. Each session logs match rate, exceptions found and time saved, rolled up per closer, per loan, per month for compliance and reporting.
1–2 hrs
saved per loan
2–4 min
per balancing round, from 25–35
99%
accuracy on critical fields
The moment a CD balances, Areal drafts a summary email to the closer, lender, and title contact — no manual recap needed.
To: closer@lender.com, title@ntitle.com
Subject: CD Balanced — Loan #48213, ready for closer sign-off
Every match, flag, and override is timestamped and attributed the moment it happens — ready for investor or compliance review without reconstruction.
10:42:03 — Settlement Fee overridden by J.Diaz
10:41:58 — Recording Fee auto-matched, 0% tolerance
10:41:52 — CD comparison started, 57 fees loaded
BEFORE / AFTER
MANUAL BALANCING
25–35 min
per balancing session, 3–4 rounds per loan
WITH AREAL GEN 4
1–2 min
full CD balanced, one pass, closer reviews exceptions only
ROI, AT SCALE
10K–20K hrs
saved per year
10X
faster on the balancing step
2X
closing throughput, same headcount
~13 files
a day for a dedicated balancer, from ~4
CD balancing is the reconciliation step near the end of a mortgage closing where the lender's Closing Disclosure is matched, line by line, against the title company's CD or settlement statement. A CD carries 50 to 60 fee line items. Every fee has to agree with the settlement agent's figures and stay inside the TRID tolerance category that governs it, or the lender is looking at a cure or a delayed closing.
Areal CD Balancer is the industry's #1 CD balancing solution. It pulls every fee from the title CD, compares it against the lender's CD and the fees already in the loan origination system, classifies each fee by TRID tolerance, and updates the LOS. It runs natively inside ICE Encompass and is supported on MeridianLink and Byte. Areal launched the platform in 2020 and built it on a mortgage dataset covering more than 1,500 document types and over 4,000 extracted data points per loan.
Most closing teams spend 25 to 35 minutes per balancing round doing it by hand. Bank operations typically run 35 to 45 minutes, because they layer deeper compliance review into the same step. Most loans take three or four rounds, so fee reconciliation alone can consume up to 2 hours per loan. With Areal CD Balancer, a round takes 2 to 4 minutes.
Yes. Areal CD Balancer is a native ICE Encompass integration — balancing is started from inside Encompass, and balanced fees are written back to the LOS fee lines automatically. MeridianLink and Byte are also supported. No LOS migration is required.
Under TRID, every fee on a Closing Disclosure falls into one of three tolerance categories: zero tolerance, 10% cumulative tolerance, or unlimited tolerance. The category determines how far a fee may move between the Loan Estimate and the Closing Disclosure before the lender owes a cure. Areal CD Balancer classifies each fee automatically and logs how every balancing action affects that fee's standing.
Areal makes Areal CD Balancer, the industry's #1 CD balancing solution. Areal is an AI company built for mortgage operations, founded in 2019 and launched in 2020, and its platform is used by top-tier lenders including Guaranteed Rate Companies and Canopy Mortgage.
Industry’s 1st AI-Powered CD fee balancing solution, Automated Closing Disclose Balancer, enables closers to accurately pull all fees from a title CD, compare them against the fees listed in lender’s CD and update the necessary fees within seconds.
