Shadow, apprentice & learning

Assistant predicts before it acts, observes before it proposes, and never makes anything reusable without a human approving it.

80% shadow accuracy this week2 drafts awaiting approval

Shadow mode — prediction vs human

confirmedTC-4402Transaction DirectorAug 06 09:12

Predicted: Request HOA estoppel before ordering appraisal

Confirmed by R. Cole

correctedTC-4417Transaction DirectorAug 05 16:40

Predicted: Order payoff refresh next

Corrected → chase insurance endorsement first

confirmedTC-4390Escrow BotAug 06 11:03

Predicted: Reconfirm funder wire window

Confirmed by M. Sandoval

confirmedTC-4368Exception BotAug 06 14:22

Predicted: Escalate assignee silence

Confirmed by R. Cole

pendingTC-4355Title BotAug 07 08:05

Predicted: Order ALTA survey

Awaiting TC review

confirmedTC-4381Contract Review BotAug 06 15:47

Predicted: Send note package to attorney

Confirmed by J. Pierce

Autonomy gates by workflow

Wholesale96% · 264 samples

Ready for supervised autonomy

Cash Purchase94% · 218 samples

Ready for supervised autonomy

Traditional Purchase92% · 190 samples

Shadow — 30 more samples

Subject-To84% · 96 samples

Shadow — accuracy gate 0.90

Double Close88% · 88 samples

Shadow — accuracy gate 0.90

Hybrid Creative Finance71% · 12 samples

Observation only

Apprentice mode — observed expert work

OBS-118 · Renee Cole on TC-4417

Awaiting approval

Captured signals

3 calls to Crestline2 emails to Hallmark MutualUploaded endorsement request templateCalendar hold: carrier callback

Decision point

Chased insurance endorsement before payoff refresh on a sub-to file

Draft playbook change

Add PB-SUBTO step: insurance endorsement precedes payoff refresh when carrier is not on the pre-approved list

OBS-121 · Marcus Sandoval on TC-4390

Awaiting approval

Captured signals

Called title to confirm same-day double close policyRecorded answer in file notesSet funder reminder 48h prior

Decision point

Verified title policy before ordering funding

Draft playbook change

Add PB-DOUBLE pre-step: confirm title same-day policy at intake; auto-create funder T-48 reminder

OBS-109 · Renee Cole on TC-4368

Approved into playbook

Captured signals

Identified backup assignee day 2Two-touch follow-up cadenceEscalation email template

Decision point

Backup assignee sourced before any silence occurred

Draft playbook change

Promote to PB-WHOLESALE required step + Communication Bot cadence skill

OBS-124 · Jordan Pierce on TC-4381

Approved into playbook

Captured signals

Started servicer onboarding at contractParallel attorney routing

Decision point

Servicer onboarding parallelized with attorney review

Draft playbook change

Promote to PB-SELLERFI required step (already lesson L2)

Performance learning

Days to close (avg)

19.4

-3.1 vs Q2

Tasks automated

78%

+11 pts

Exceptions handled by bots

64%

+9 pts

Approval rate on drafts

91%

+4 pts

Deadline compliance

96.2%

+1.8 pts

Communication speed (median)

38 min

-52 min

Closing success rate

94.1%

+2.4 pts

Human time saved / file

6.8 hrs

+1.2 hrs

Every completed transaction feeds these numbers back into the playbooks.

Caleb domain pack — knowledge capture

Business rules

6 pending

captured & reusable

· Never close a sub-to without a signed disclosure
· Payoff must be ≤10 days old at funding

Decision trees

3 pending

captured & reusable

· Carrier endorsement branch
· Double close vs assignment routing

Communication templates

9 pending

captured & reusable

· Servicer authorization request
· Seller weekly status
· Estoppel escalation

Document rules

4 pending

captured & reusable

· Sub-to packet = 7 documents
· Condo requires HO-6 + estoppel

Approval rules

2 pending

captured & reusable

· Any wire instruction change requires two-person approval

Exception handling

7 pending

captured & reusable

· Contractor lien on novation
· Servicer denies authorization

No knowledge remains inside conversations.