Copilot Agent Edition · Borrower Onboarding & Upstream Review
Copilot Agent for Processing classifies every borrower document the moment it lands, verifies income, asset, appraisal, title, and insurance data automatically — saving 2+ hours of pure processing work per loan and getting borrowers an answer immediately.
50–90 min
Saved per loan at onboarding
1,500+
Doc types auto-classified
99%
Accuracy on critical fields
What Copilot Agent for Processing Is
Everything before the closing table — borrower docs, income and asset verification, appraisal, title, and insurance — reviewed the moment it arrives, so processors respond to borrowers immediately instead of days later.
Auto-classifies every uploaded page the moment it lands, detects duplicates, and splits bundled PDFs — no manual sorting.
Extracts data from W-2s, earning statements, tax documents, and appraisals, cross-referencing everything against LOS records automatically.
Results in seconds means processors engage borrowers at the moment they're paying attention — cutting the back-and-forth that stalls applications.
How It Works
1
Any document, any format — auto-classified across 1,500+ document types
2
Bundled PDFs separated, duplicates flagged, nothing manually sorted
3
Income, asset, appraisal, title, and insurance documents verified
4
Processor gets a clear result in seconds — borrower gets an answer today
Included Agents
Copilot Agent for Processing ships production-ready — no custom build. Lenders commonly step up to this edition once closing-side value has already landed.
Onboarding
Auto-classifies every uploaded document, verifies critical data instantly, detects duplicates and splits bundled PDFs.
50–90 min
saved per loan at onboarding
Income & Asset
Extracts data from W-2s, earning statements, and tax documents, combined with bank-statement analysis for full borrower eligibility.
99%
accuracy on critical fields
Title
Appraisal review, homeowners insurance verification, title commitment review and more ship out of the box — and you can author your own agents in plain language for anything specific to your process.
2+ hrs
of pure processing work saved per loan across upstream review
The Difference
For a lender closing 200+ loans/month.
Without Copilot Agent for Processing
Days
before a borrower hears back on a submitted document
Documents manually sorted across 1,500+ possible types
Bundled PDFs and duplicates slow down every review
Back-and-forth communication stalls applications at the worst moment
With Copilot Agent for Processing
Minutes, automated
no one sorting the file — classified, verified and answered
Every document auto-classified and verified at 99% accuracy on critical fields
Borrowers engaged at the moment of interaction — no lag
Processors convert more applications into funded loans
Upstream Impact
50–90 min
saved per loan at borrower onboarding alone
8–12 min
Saved per title commitment review
8–13 min
Saved per appraisal and per HOI review
4–5.5 hrs
Saved per mortgage across Copilot Agent, upstream and closing
Lenders commonly start with CD Balancer and Copilot Agent for Closing, then add Copilot Agent for Processing once the closing-side value has already landed — covering the full loan lifecycle with the same platform.
- 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 upstream reviews to automate first.
