Pre-Approval Agent
Every doc checked and income calculated, with the math shown. Labels every document and flags what's clean, has an issue, or is missing.
About Aila
Aila is an AI agent platform that manages the mortgage origination workflow for broker owners and their teams.
What Aila does
Agents that do the busy work of origination, from the first call to a clean file for underwriting. You approve the decisions.
Intake Agent
Hang up. The loan file is already built. Creates the loan file in ARIVE or LendingPad from the call (Export a MISMO 3.4 file for any other LOS).
Call Compliance Agent
You don't have time to listen to every call. Your Call Compliance Agent does. Scores every call against your custom rubrics.
Discovery call
Call ended- LOHi Dana, it's Alex, returning your inquiry. This call is recorded. Are you buying or refinancing?
- DanaBuying. We found a place in Raleigh listed at $425,000. Honestly, I'm nervous we can't afford it.
- LOLet's look at the numbers together. Is anyone else on the loan?
- DanaMy husband, Marcus Brooks.
- LOGreat. Where do you both work?
- DanaI'm a nurse at Brightline Pediatrics, about $7,150 a month. Marcus teaches, about $4,800.
- LOAnd for the down payment?
- DanaWe have $85,000 saved. Our daughter starts kindergarten in the fall.
- LOWith $85K down, you're in a strong spot. OK if I pull your credit to confirm?
- DanaYes, go ahead. That's such a relief.
- LOI'll send a link for your docs and call you Tuesday at 10.
Intake Agent
DoneLOS
Loan #418203 · 1003
- Borrower
- Dana Brooks
- Co-borrower
- Marcus Brooks
- Loan purpose
- Purchase
- Property
- Raleigh, NC
- List price
- $425,000
- Down payment
- $85,000
- Loan amount
- $340,000
- Borrower income
- $7,150/mo
- Co-borrower income
- $4,800/mo
Needs list
- Pay stubs (30 days)Requested
- W-2s (2 years)Requested
- Bank statements (2 mo.)Requested
- Photo IDsRequested
CRM
New leadPre-approvalUnderwriting
- SummaryPurchase in Raleigh at $425K with Marcus. $85K down. Pre-approval next.
- Relationship notesNervous about affordability. Daughter starts kindergarten this fall.
- Follow-upSend the upload link today. Reminder to check docs Monday.
- Calendar inviteTue 10:00 AM · Review pre-approval with Dana & Marcus
Call Compliance Agent
Scored88
Call scoreDiscovery call scorecard
Emotional arc
Dana
LO
calmanxiousneutralhappyconfidentrelieved
Flags
- DNCNot on list
- Recording noticeRead · 0:02
- Credit consentGiven · 1:41
- Rate quoted too early?No
Aila coaching notes
Strong call. The LO calmed an anxious borrower with real numbers and booked the pre-approval review. Next time, confirm primary residence and first-time buyer status before pulling credit.
Ops Prep Agent
A clean file before underwriting. Runs your SOP, in your words. Give us your SOP and we set it up for you.
Ask Aila
An agent that knows every file. Knows every detail of the file and every borrower conversation.
Custom agents
Built around how your team works. Set up around your SOPs and systems.
What makes Aila different
Compared with Addy AI, the tool mortgage teams most often ask us about.
01
Starts from the call
Aila: Builds the loan file and CRM record from the LO's own borrower calls at hang-up.
Addy AI: Works from documents; its only advertised call feature is AI calling borrowers to chase docs.
02
Call Compliance Agent scores every call
Aila: DNC, disclosures, rate quoting, and rep performance, checked on every call.
Addy AI: Doesn't advertise call scoring.
03
Public pricing, no contract
Aila: $50/user/mo, a 7-day trial, and month-to-month terms.
Addy AI: Pricing isn't public; its pricing page asks you to book a demo.
04
Works with the phones teams already use
Aila: 12 dialers, iPhone/Android, and Zoom/Meet/Teams bots, and you keep your number.
Addy AI: Lists no phone integrations.
05
Founder-led everything
Aila: Setup is one 1-hour call and you're running within a business day, with same-day support 7 days a week from a founder.
Who uses Aila
- Broker ownersrunning teams anywhere from 2 to 50+ LOs
- Consumer-direct shopsthat need automatic 1003s and call scoring
- Branch managers at larger lenderswho manage top originators taking phone apps
- Spanish- and Portuguese-speaking teamsAila supports 100+ languages
The team behind Aila
Aila is run by its two founders and bootstrapped. No outside investors means we answer to one group: the mortgage teams who use Aila every day.
2010
Teammates on the court
Holt and Chad met playing varsity tennis together at Allatoona High School in Georgia, and have been friends ever since.
Holt
Five years in mortgage
Holt graduated top of his class at UGA in Real Estate Finance, then built mortgage products at FormFree (where he launched Day One Certainty) and Zillow Home Loans.
Chad
Engineering to fintech
Chad graduated from Ole Miss, worked as a chemical engineer at Toyota, then taught himself finance and built financial compliance and security products at Mastercard.
August 2023
Aila is founded
Holt saw how much of an LO's day went into creating and updating applications by hand. He came up with the idea for Aila and called Chad to build it.
Today
100+ mortgage companies using Aila
Including First Coast Mortgage Funding, AIME's 2026 Regional Brokerage of the Year.
How Aila works
- 01
Support
Same-day support, 7 days a week, by email at support@aila.fyi.
- 02
Who you work with
Holt or Chad, directly. Sales, onboarding, support, and product feedback all go to a founder.
- 03
Self-serve onboarding
Sign up, then follow the in-app onboarding at app.aila.fyi. Your next call builds the file.
- 04
Enterprise onboarding
One 1-hour remote working session with a founder, and you're running within about one business day.
Key facts
- Company Name
- Aila (Aila.fyi LLC)
- Type
- AI agents for mortgage teams (B2B software)
- Founded
- August 2023
- Founders
- Holt Butler (Co-founder & CEO), Chad Middleton (Co-founder & CFO)
- Team
- Run by its two founders, who handle sales, onboarding, and support directly
- Funding
- Bootstrapped: no outside investors
- Headquarters
- Jacksonville Beach, FL, USA
- Website
- withaila.com
- Core Offering
- AI agents that manage the mortgage origination workflow, from the borrower call to a clean file ready for underwriting
- Pricing
- Basic $50/user/mo ($500/yr), self-serve · Enterprise $200/user/mo ($2,000/yr), for teams of 10+ LOs, onboarded with our team
- Contract Terms
- Month-to-month, no contract. 7-day free trial.
- Services
- Intake Agent, Call Compliance Agent, Pre-Approval Agent, Ops Prep Agent, Ask Aila, custom agents
- Communication
- Founder-led: same-day support, 7 days a week, by email, phone, and video
- Notable Clients
- First Coast Mortgage Funding (AIME 2026 Regional Brokerage of the Year), Movement Mortgage, CrossCountry Mortgage, LeaderOne Financial, Lend-a-Loan, Barrett Financial Group, NEXA Mortgage
- Customers Served
- 100+ mortgage companies
- Calls Processed
- 1.3M+ calls since January 2024
- Integrations
- 30+ (ARIVE, LendingPad, GoHighLevel, RingCentral, Zoom, and more)
- Competitors
- Addy AI
- Partners
- AIME Vendor Member · Approved Rocket Pro Vendor · The Mortgage Exchange Partner
- Social
Frequently asked questions
Do I have to change my phone number or dialer?
No. Aila connects to your iPhone/Android, Plaud and Pocket recorders, 12 dialers, and Zoom, Teams, and Google Meet. You keep your number and the way you already call.
Is it legal to record my borrower calls?
Recording rules vary by state, and some states require every party's consent. Aila captures consent on the call and keeps a record of it. Follow your state's rules and your compliance team's guidance.
Which LOS and CRM do you work with?
Aila builds files in ARIVE and LendingPad and updates GoHighLevel, Bonzo, Follow Up Boss, HubSpot, Salesforce, Pipedrive, and more: 30+ integrations in total.
How accurate is it? Do I have to double-check everything?
Every agent shows its work: before and after values, the evidence, and the income method. You approve changes before they're written, and you can undo them.
Is my data secure?
Data is encrypted in transit and at rest and isolated by organization. Our AI providers operate under zero data retention. Our SOC 2 Type 2 audit is in progress with Sentry Assurance, monitored by Vanta.
How long does setup take?
Basic is self-serve and takes minutes. Enterprise is one 1-hour setup call with a founder, and you're running within about a business day.
Is there a contract?
No. It's month-to-month, with a 7-day free trial (card required) and annual plans at two months free.
Why is it so affordable?
We'd rather every broker team can afford agents than price out small shops. Basic is $50/user/mo with both call agents included.
Does it work for Spanish-language calls?
Yes. Aila supports 100+ languages, including Spanish and Portuguese, and several customers run entirely in Spanish. The file and CRM notes are written in English.
Does my team have to take calls for this to work?
Yes. Aila starts from the conversation. If your team only sends application links and never talks to borrowers, Aila isn't the right fit yet.
Is Aila replacing my processor or LOA?
No. Aila gives your team back the hours spent on data entry, doc chasing, and file cleanup, so people spend their time on borrowers and decisions.
Who will I work with?
Holt or Chad, the founders, directly. Founder-led everything.