Areal.ai

HOW CAN AREAL IMPROVE MY OPERATIONS?

Areal runs in production at Guaranteed Rate Companies, where its agents clear 98.8% of post-closing checks automatically. That figure is measured on live loans, not modeled. Out of every 100 checks a processor, funder or closer would otherwise work by hand, the agents finish about 99. The person opens the file, sees a clean pass, and moves to the next loan.

AREAL PRIORITIZES CLOSING AND UPSTREAM

Most mortgage automation stops at the underwriting decision. The hours don’t. Every closed loan carries 60 to 80 small, exacting verifications: classify this page, is this signed, does the notary block hold up, do these fees match. None looks like much on its own, which is exactly why they are so expensive. The cost was never the minute. It was re-orienting to the next one, 60 to 80 times a file, until month-end turns into overtime.

Areal was built for that stretch of the file as well as the upstream process automation, including processing and underwriting.

HOW IT WORKS

Areal’s agents read the documents, run a defined set of checks against the file and the LOS record, and write the verified value back into the system of record. Passing checks clear silently. The operator sees only the exceptions, with the document, page and field reference attached.

Every agent runs five classes of check:

1. Presence. Is the document, and every page of it, actually in the file
2. Completeness. Signatures, initials, dates, notary blocks, required fields
3. Consistency. The same data point agreeing across documents and the LOS
4. Compliance. The value tested against a regulatory, investor or program rule
5. Calculation. Figures recomputed from source and compared to what was disclosed

Proof, from production

– 4 million+ agentic tasks completed on production loans, which Areal believes to be the largest volume of agentic AI execution in live mortgage operations to date
– 1,500+ document types classified out of the box, 4,000+ data points extracted per loan, 99% accuracy on critical fields including signatures, stamps and dollar amounts
– 4 to 6 hours recovered per loan where the platform runs end to end

THE CATEGORY NOBODY ELSE COVERS: CD BALANCING

Most closing teams spend 25 to 35 minutes per balancing round reconciling the settlement agent’s Closing Disclosure against their LOS fee lines, and most loans take three or four rounds. That is one to two hours per loan spent reading two documents against each other.

Areal CD Balancer maps every title fee line automatically to the matching fee in the LOS, sorts each fee into its TRID tolerance category (zero tolerance, 10% cumulative, unlimited) and logs the classification at the moment the decision is made, previews every write-back before it reaches the LOS, and balances a full Closing Disclosure in one to two minutes.

IT RUNS ON THE LOS YOU ALREADY HAVE

Native integrations with ICE Encompass, Byte LOS and MeridianLink, plus an open API. No system-of-record migration, no second document pipeline, no re-keying between systems.

WHO RUNS ON AREAL

Guaranteed Rate Companies, Canopy Mortgage, The Money Store and Old Republic Title, among others. Areal is SOC 2 certified, 100% cloud-based on AWS US infrastructure, and scales from regional lenders to top-10 originators. Areal CD Balancer and Areal Copilot Agent are both patent pending.

Start where it hurts most. Pick the workflow your team likes least, usually CD balancing or post-closing review. The file is already extracted after that, so every workflow added next costs