Measured on live production volume
Patent Pending
Areal Copilot Agent opens the file, runs every checkpoint, and writes results back to your LOS without anyone touching it. Your team's first contact with a loan is the exception list — not the loan.
98.8%
Of tasks resolved with no human involved
99%
Accuracy on critical fields, signatures, amounts, borrower data
4–5.5 hrs
Saved per mortgage, borrower onboarding through post-closing review
70%
Of files clearing every checkpoint on the first run
Agentic AI on top of your LOS
Copilot Agent sits on top of your loan origination system, not beside it. Agents read the file, clear the checkpoints and write results straight back into the loan record — no migration, no second queue, no change to where your team works.
What Copilot Agent Is
Traditional automation executes rules. Copilot Agent understands context. You describe an agent in plain language, the platform turns it into a structured, traceable execution plan, and the agent runs — across documents, LOS data, contacts, and third-party systems.
Describe what you want done. Copilot Agent converts it into a structured, auditable execution plan, no custom code required.
Specify exactly which documents, LOS fields, contacts, and tools each agent can access. Full audit trail on every action.
You don't build from scratch. Copilot Agent ships with production-ready agents for the highest-value workflows — live in hours and extensible to your process.
Measured in production
Two numbers, measured on live production volume — how much work the agents take on, and how much of it they finish without anyone stepping in.
Industry milestone
4M+
Agent tasks completed as of June 2026
Each task is its own journey — locate the document, pull the data points, verify against the required data, record the result. Agents run anywhere from a few to 100+ tasks on a single loan.
Read the announcement →Completion rate
98.8%
Of all agent tasks, no human involved
The agent opens the file, runs the checks and writes the result back without anyone touching it. Your team's first contact with a loan is the exception list — not the loan.
What this counts: every task the agent resolved on its own
4,000+
Data points extracted
Millions
Pages processed weekly
6–10X
More throughput on the automated task
Out-of-the-Box Agents · Closing
The entire back half of the loan runs on autopilot — closing support, funding review, and post-closing QA. Agents validate every document, surface only real exceptions, and assemble investor-ready packages.
Pre-Closing
Checks the closing package end to end, catching issues before they reach the closing table.
99%
accuracy on critical fields
→
Funding
Validates signatures, amounts, and missing pages at 99% accuracy on critical fields — in seconds, not the 25–35 minutes it takes by hand.
20–28 min
saved per loan
→
Post-Closing
Verifies 400–600 page packages against investor requirements and builds investor-ready packages.
25–32 min
saved per review
Out-of-the-Box Agents · Processing
The same platform automates the front half of the loan. Every borrower document is classified and verified the moment it lands, so files reach underwriting complete and clean — and borrowers hear back immediately.
Income & Assets
Reads W-2s, pay stubs, tax returns, and bank statements and validates them against LOS data automatically.
99%
accuracy on critical fields
Onboarding
Auto-classifies every uploaded document, verifies critical data, detects duplicates, and splits bundled PDFs — in seconds.
50–90 min
saved per loan at onboarding
Underwriting-ready
By approval, every intake document is classified, verified, and organized — so underwriters review, not chase.
2+ hrs
Of pure processing work saved per loan, onboarding through approval
The Difference
For a lender closing 500 loans a month — one of the most common first deployments.
Without Copilot Agent
810–1,050
ops hours lost per month at 500 loans, across the closing and post-closing desk
Per loan: funding review 20–28 min · post-closing review 25–32 · document indexing 24–29 · investor delivery readiness 21–27 · final docs 7–10
9.6% defect rate on loans without AI (Freddie Mac data)
Month-end spikes cause errors, overtime, and delayed investor delivery
Defects found late mean cures, repurchase risk, strained relationships
With Copilot Agent
Minutes
automated, to review the same 600-page package at 99% accuracy on critical fields
Full package reviewed in seconds, reviewers see only flagged exceptions
Investor packages auto-created with organized, verified documents
Same headcount handles 2x the volume, month-end peaks absorbed
Defects caught before investor delivery, compliance and relationships protected
At scale, 10,000 loan/year lender
5–7.5 hrs
Saved per loan across the ops stack
6–10X
Faster on the automated task
2x
Closing throughput with the same headcount
52K–72K
Hours saved annually across the ops team
Copilot Agent doesn't require headcount to scale. The same platform that handles 200 loans a month handles 2,000, with no degradation in accuracy and no increase in per-loan review time.
- 5 to 7.5 hours saved per mortgage, full lifecycle
- Native ICE Encompass, MeridianLink and Byte LOS integrations
- Full audit trail and compliance documentation on every action taken
- Production-ready agents live in hours, not months
Integrations
No custom middleware. No LOS replacement. Areal is an AI layer on top of what you already run.
In production
“We can effortlessly define and execute everything we need using this solution. Its seamless integration with our Encompass system provides immense value. We were eager to partner with Areal as soon as we recognized its potential.”
“This is something entirely new and transformative. Copilot Agent introduces a truly groundbreaking perspective, redefining what's possible with AI specifically designed for mortgage operations.”
Get Started
We'll show you which workflows to automate first, and the hours it returns at your loan volume.
