Transaction performance intelligence

Derived from observed execution only. Historical predictions are never rewritten — calibration is measured against them. Recommendations are proposals; Assistant publishes organizational learning.

Average days to close

28.4

-3.1 vs prior 90d

41 completed closings · conf 91%

Stage completion rate

94%

+2 pts

612 observed stage exits · conf 93%

Stage readiness accuracy

88%

+5 pts

218 readiness verdicts vs outcome · conf 86%

Exception frequency

1.9 / file

-0.4

78 exceptions / 41 files · conf 90%

Amendment frequency

0.8 / file

+0.1

33 amendments · conf 84%

Human intervention rate

22%

-6 pts

1,104 executed tasks · conf 89%

Autonomous task rate

78%

+6 pts

861 autonomous completions · conf 89%

Document completion rate

96%

+1 pt

742 tracked documents · conf 94%

Communication delay

4.6 h

-1.2 h

median first response, 1,338 threads · conf 81%

Closing success rate

93%

flat

41 scheduled, 38 closed on contract terms · conf 92%

Average days per stage & completion rate

Escrow Opened1.2d / 1d · 99%

Title Ordered1.8d / 2d · 97%

Commitment Received6.4d / 5d · 92%

Curative8.1d / 5d · 79%

Insurance Bound2.6d / 3d · 95%

Closing Scheduled2.1d / 2d · 96%

Documents Signed1.4d / 1d · 98%

Funded1.9d / 1d · 94%

Recorded2.3d / 2d · 97%

Closing intelligence

never back-edited

Scheduled

Delayed

Early

Avg delay

2.6d

Readiness acc.

88%

Package acc.

95%

missing item frequency

Payoff refresh9

Signed ALTA statement6

Wire instructions verification5

HOA estoppel4

Power of attorney2

confidence calibration (predicted vs actual)

0.90 – 1.0095% → 93% · n=96

0.75 – 0.8982% → 79% · n=64

0.50 – 0.7463% → 68% · n=38

0.00 – 0.4931% → 26% · n=20

Exception intelligence — most expensive bottlenecks

ranked by cumulative delay days

Category	Stage	Severity	Freq	Avg res.	Party	Success	Repeat	Preventable	Cost	Conf
Title defect / curative 19 files · Schedule B liens & judgments	Curative	Critical	19	6.8d	Title	89%	31%	62%	129d	90%
HOA estoppel delay 11 condo files · FL estoppel statutory window	Commitment Received	High	11	9.1d	Title	82%	27%	55%	100d	85%
Appraisal shortfall 6 files · value below contract price	Commitment Received	High	6	7.5d	Lender	67%	12%	20%	45d	78%
Payoff expiration 14 files · payoff good-through < closing date	Closing Scheduled	High	14	2.4d	Lender	96%	44%	88%	34d	93%
Insurance binder defect 8 files · mortgagee clause mismatch	Insurance Bound	Medium	8	2d	Insurance	90%	25%	75%	16d	83%
Earnest money not verified 9 files · no wire confirmation on record	Escrow Opened	Critical	9	1.6d	Buyer	94%	18%	91%	14d	95%
Missing signature 13 files · initials / notary blocks	Documents Signed	Medium	13	1.1d	Seller	98%	22%	86%	14d	92%

Party performance

by role only — no public reputation

Buyer

conf 87%

Response

6.2h

Avg delay

1.1d

Missing docs

Approval

9.4h

Responsive

82%

Exception rate

21%

Task completion

91%

Seller

conf 85%

Response

8.7h

Avg delay

1.6d

Missing docs

Approval

13.2h

Responsive

76%

Exception rate

26%

Task completion

88%

Lender

conf 89%

Response

11.4h

Avg delay

2.4d

Missing docs

Approval

18.9h

Responsive

68%

Exception rate

34%

Task completion

84%

Title

conf 92%

Response

5.1h

Avg delay

2.9d

Missing docs

Approval

10.1h

Responsive

79%

Exception rate

38%

Task completion

90%

Attorney

conf 74%

Response

14.6h

Avg delay

1.9d

Missing docs

Approval

22.4h

Responsive

62%

Exception rate

15%

Task completion

86%

Insurance

conf 80%

Response

7.8h

Avg delay

0.9d

Missing docs

Approval

8.6h

Responsive

81%

Exception rate

18%

Task completion

93%

HOA

conf 71%

Response

32.5h

Avg delay

6.4d

Missing docs

Approval

41h

Responsive

41%

Exception rate

44%

Task completion

72%

Playbook performance

improvements proposed via Assistant

Traditional Purchase

18 uses · conf 93%

Completion

97%

Avg time

26.1d

Exceptions

1.4/file

Human intervention

17%

Prediction acc.

91%

Closing success

96%

revisions: v1.4 — payoff refresh at T-5 · v1.3 — insurance binder gate

Stable. No change proposed.

Cash Purchase

9 uses · conf 90%

Completion

99%

Avg time

14.8d

Exceptions

0.7/file

Human intervention

11%

Prediction acc.

94%

Closing success

98%

revisions: v1.2 — proof-of-funds re-verification

Propose shortening title-ordered SLA to 1 day.

Subject-To

6 uses · conf 79%

Completion

83%

Avg time

34.6d

Exceptions

3.1/file

Human intervention

44%

Prediction acc.

76%

Closing success

83%

revisions: v1.1 — lender due-on-sale disclosure · v1.0 — initial

Add mandatory servicing-transfer evidence step before Closing Scheduled.

Seller Finance

5 uses · conf 77%

Completion

88%

Avg time

31.2d

Exceptions

2.4/file

Human intervention

38%

Prediction acc.

80%

Closing success

88%

revisions: v1.2 — note & mortgage review gate

Attorney review is the top blocking step; propose earlier engagement.

Wholesale Assignment

7 uses · conf 86%

Completion

94%

Avg time

18.4d

Exceptions

1.2/file

Human intervention

20%

Prediction acc.

88%

Closing success

94%

revisions: v1.3 — assignment fee disclosure

Stable.

Novation

3 uses · conf 51%

Completion

78%

Avg time

39.5d

Exceptions

3.8/file

Human intervention

55%

Prediction acc.

64%

Closing success

78%

revisions: v1.0 — initial

Sample too small for ranking; continue observation.

Workforce intelligence

Assistant controls promotion

Bot	Assignments	Completion	Override	Avg time	Prediction	Exc. created	Exc. resolved	Conf	Promotion
Intake	168	98%	5%	6m	95%	4	11	94%	Eligible Assistant approval pending
Contract Review	141	93%	14%	18m	88%	12	19	87%	Held override rate > 10%
Document	402	97%	7%	4m	93%	9	44	92%	Eligible Assistant approval pending
Deadline	356	99%	3%	2m	96%	21	8	95%	Eligible Assistant approval pending
Title	188	86%	22%	32m	79%	28	22	82%	Held curative accuracy below 0.85
Escrow	133	94%	9%	12m	90%	7	15	88%	Eligible Assistant approval pending
Lender	119	81%	26%	41m	74%	19	12	76%	Held external dependency variance
Communication	611	96%	11%	3m	89%	3	6	90%	Held draft-only boundary
Compliance	97	95%	8%	15m	92%	14	9	89%	Eligible Assistant approval pending
Closing	88	92%	15%	27m	86%	6	18	85%	Held package accuracy sample < 100
Exception	78	90%	18%	36m	83%	0	61	84%	Held human confirm required
Audit	214	99%	2%	2m	97%	11	2	96%	Eligible Assistant approval pending

Readiness calibration

predicted vs actual

Curative

Stage · n=96

71% → 62%

false positives 14 · false negatives 4 · conf 88%

Closing Scheduled

Stage · n=112

90% → 88%

false positives 6 · false negatives 5 · conf 91%

Funded

Stage · n=84

96% → 97%

false positives 2 · false negatives 3 · conf 93%

Traditional Purchase

Transaction type · n=148

92% → 91%

false positives 5 · false negatives 6 · conf 93%

Subject-To

Transaction type · n=42

79% → 66%

false positives 11 · false negatives 2 · conf 74%

Cash Purchase v1.2

Playbook · n=61

95% → 94%

false positives 2 · false negatives 2 · conf 90%

Title bot

Bot · n=104

80% → 70%

false positives 16 · false negatives 3 · conf 82%

Bot Master Pros — TC dept

Organization · n=218

88% → 85%

false positives 24 · false negatives 12 · conf 90%

Earnest money intelligence

receipt never assumed

Avg collection time

1.4 d

contract execution → funds sent

Avg verification time

6.2 h

wire confirmation on record

Avg deposit time

1.9 d

escrow receipt issued

Late deposits

past contractual window

Exception rate

0.22

per transaction

Avg delay when late

2.8 d

verified evidence only

evidence completeness

Wire confirmation93%

Escrow receipt97%

Deposit ledger entry89%

Buyer acknowledgement78%

Receipt is never assumed. A file stays in Escrow Opened until verified evidence exists.

Critical path intelligence

Most common blocking step

Schedule B curative clearance

19 of 41 files blocked here at least once · conf 90%

Longest waiting stage

Curative — 8.1 d avg

target 5 d · 62% over target · conf 88%

Largest delay source

HOA estoppel turnaround

100 cumulative delay days across 11 files · conf 85%

Most frequent missing evidence

Payoff good-through date

9 occurrences at closing prep · conf 93%

Approval bottleneck

Attorney document review

22.4 h median approval latency · conf 74%

External dependency bottleneck

Lender CD delivery

2.4 d avg beyond requested date · conf 86%

operational recommendations only

Order HOA estoppel at Title Ordered instead of Commitment Received on condo files.

11 condo files · 9.1 d avg estoppel resolution · conf 85%

Refresh payoff automatically at T-5 when good-through < closing date + 3.

14 payoff expirations · 88% preventable · conf 91%

Engage attorney at Contract Review on Seller Finance and Sub-To files.

attorney review is top blocker on 8 of 11 creative files · conf 78%

Amendment intelligence

Closing date extension

14× · +5.2d · approval 12h

stages: Closing Scheduled · related: EX-CUR

Closed on amended date (13/14)

playbook impact: Curative SLA under-modeled by ~3 days

Price adjustment after inspection

8× · +2.1d · approval 20h

stages: Commitment Received · related: EX-APP

Closed (7/8)

playbook impact: None

Financing type change

5× · +8.6d · approval 31h

stages: Commitment Received, Insurance Bound · related: EX-APP

Closed (4/5)

playbook impact: Requires playbook re-selection mid-file

Party / entity substitution

4× · +3.4d · approval 18h

stages: Escrow Opened · related: EX-EMD

Closed (4/4)

playbook impact: Add entity docs to intake checklist

Repair credit addendum

6× · +1.2d · approval 9h

stages: Documents Signed · related: EX-SIG

Closed (6/6)

playbook impact: None

Learning candidates

submitted through Assistant only

ExceptionSubmitted to Assistant

HOA estoppel should be ordered one stage earlier on condo files.

LC-101 · 11 files · 100 cumulative delay days · conf 85%

ClosingSubmitted to Assistant

Closings scheduled at REVIEW REQUIRED readiness delay 3.4x more often.

LC-102 · 7 delayed closings · 5 scheduled below READY · conf 82%

DocumentDraft

Insurance binders without mortgagee clause recur with the same 3 carriers.

LC-103 · 8 binder defects · conf 73%

ReadinessSubmitted to Assistant

Curative readiness is over-optimistic by 9 points; add lien-count feature.

LC-104 · 96 verdicts · 14 false positives · conf 88%

PlaybookSubmitted to Assistant

Sub-To playbook needs a servicing-transfer evidence gate.

LC-105 · 6 files · 44% human intervention · conf 79%

WorkforceSubmitted to Assistant

Deadline bot meets autonomy criteria at 0.96 prediction accuracy.

LC-106 · 356 assignments · 3% override · conf 95%