Copilot Agent Edition · Funding, Closing & Post-Closing
Copilot Agent for Closing validates every closing document, flags exceptions in seconds, and catches defects before investors do — saving 2.5–3.5 hours per mortgage while your team keeps the same headcount.
20–28 min
Saved per funding review
2.5–3.5 hrs
Saved per mortgage
99%
Accuracy on critical fields
400–600
Page post-closing packages verified against investor requirements automatically
9.6%
Industry defect rate this edition is built to catch before investor delivery (Freddie Mac)
Minutes
Automated, to validate a full closing file — instead of 25–35 manual minutes per loan
What Copilot Agent for Closing Is
Every closing file needs its documents validated, its conditions cleared, and its package checked before investor delivery. Copilot Agent for Closing runs that work automatically — your team reviews only the exceptions it flags.
Validates every closing document at 99% accuracy on critical fields — signatures, amounts, missing pages — flagging issues in seconds instead of the 25–35 manual minutes it takes per loan.
Auto-verifies 400–600 page packages against investor requirements, catching missing pages, stamps, and signatures before they become defects.
Funders and closers stop jumping between files to hunt for what's missing. Copilot Agent surfaces the exceptions — the rest is already reconciled.
How It Works
1
Auto-triggers on document upload — no manual hand-off needed
2
Every document checked against LOS data and investor rules in seconds
3
Missing signatures, mismatched amounts, missing pages — surfaced with exact reference
4
Clean files fund automatically and index packages
Included Agents
Copilot Agent for Closing ships production-ready — no custom build, no months-long rollout. Live in hours on your existing LOS.
Funding
Validates all key docs at 99% accuracy on critical fields. Flags missing signatures, mismatched amounts, and missing pages in seconds.
20–28 min
saved per loan at funding
Closing
Tracks conditions and closing checklist items across every file, auto-triggered on document events — a few to 100+ tasks per loan.
8–12 min
saved per title commitment review
Post-Closing
Auto-verifies 400–600 page packages against investor requirements. Catches missing pages, stamps, and signatures before they become defects.
25–32 min
saved per post-closing review
The Difference
For a lender closing 200+ loans/month.
Without Copilot Agent for Closing
25–35 min
manually checking each file for missing signatures, mismatched amounts, missing pages
400–600 page post-closing packages reviewed by hand
9.6% defect rate on loans without AI (Freddie Mac data)
Constant task-switching between files at month-end peak
With Copilot Agent for Closing
Minutes, automated
no one working the file — validated at 99% accuracy on critical fields
Reviewers see only flagged exceptions — everything else is already checked
Investor packages auto-built with organized, verified documents
Same headcount absorbs month-end peaks without overtime
Closing Impact
2.5–3.5 hrs
saved per mortgage, funding through post-closing
20–28 min
Saved per funding review
25–32 min
Saved per post-closing review
9.6%
Industry defect rate this edition is built to catch (Freddie Mac)
Most lenders start with CD Balancer, then add Copilot Agent for Closing to cover funding and post-closing — the same closing team, covering the full file lifecycle.
- 1,500+ document types classified at 99% accuracy
- Native ICE Encompass, MeridianLink and Byte LOS integrations
- Detects wet and e-signatures, notarization
- No LOS migration required. An AI layer on what you already run
Integrations
No custom middleware. No LOS replacement. Areal is an AI layer on top of what you already run.
What Our Customers Say
“We can effortlessly define and execute everything we need using this solution. Its seamless integration with our Encompass system provides immense value.”
“This is something entirely new and transformative. Copilot Agent redefines what's possible with AI specifically designed for mortgage operations.”
Get Started
We'll show you exactly which funding and post-closing checks to automate first.
