SOC2
Process Uniform Residential Loan Application (Form 1003) — Faster Underwriting
Loan processing requires reviewing dozens of documents per application. Manual review delays approvals and increases default risk.
184
Fields Extracted
360s
Max Processing
Common Pain Points
- Loan processing delays cost customer satisfaction
- Missed income verification increases default rates
- Compliance gaps lead to regulatory action
- Manual stacking takes hours per application
What This Template Does
AI-powered extraction using gemini-2.5-flash. Part of 113 production-ready templates.
Capabilities
- Lending Extraction
- Mortgage Application Processing
- Urla Parsing
- Mortgage
- 1003
Output Schema
{
"$schema": "http://json-schema.org/draft-07/schema#",
"title": "Form 1003 URLA Extraction Schema",
"description": "JSON Schema for Uniform Residential Loan Application (Form 1003) data extraction",
"type": "object",
"required": [
"document_type",
"section_1_borrower_info",
"section_5_loan_property"
],
"properties": {
"document_type": {
"type": "string",
"const": "1003_urla",
"description": "Document type identifier"
},
"form_version": {
...Quick Start
$ pip install doclayer
$ doclayer process document.pdf --agent lending.1003-urla
See It In Action
Real extraction example showing input document and structured output.
Input Document
UNIFORM RESIDENTIAL LOAN APPLICATION Freddie Mac Form 65 / Fannie Mae Form 1003 (Redesigned 2020) ═══════════════════════════════════════════════════════════════════════════════ LENDER INFORMATION ═══════════════════════════════════════════════════════════════════════════════ Lender: Sunrise National Bank NMLS ID: 456789 Loan Originator: Patricia Williams LO NMLS ID: 112233 Loan Number: SNB-2024-0078523 ═══════════════════════════════════════════════════════════════════════════════ SECTION 1:
Extracted Data
{
"document_type": "1003_urla",
"form_version": "redesigned_2020",
"lender_info": {
"lender_name": "Sunrise National Bank",
"lender_nmls": "456789",
"loan_originator": "Patricia Williams",
"lo_nmls": "112233",
"loan_number": "SNB-2024-0078523"
},
"section_1_borrower_info": {
"borrower": {
"first_name": "Robert",
"middle_name": "James",
"last_name": "Thompson",
"suffix": "",
"ssn": "XXX-XX-4521",
"date_of_birth": "1982-07-22",
"citizenship": "us_citizen",
"marital_status": "married",
"dependents_count": "2",
"dependents_ages": "12, 9",
"contact": {
"home_phone": "(217) 555-0123",
"cell_phone": "(217) 555-0456",
"work_phone": "(217) 555-0789",
"email": "robert.thompson@email.com"
}
},
"co_borrower": {
"present": true,
"first_name": "Sarah",
"middle_name": "Elizabeth",
"last_name": "Thompson",
"ssn": "XXX-XX-7834",
"date_of_birth": "1984-11-03",
"citizenship": "us_citizen",
"marital_status": "married"
}
},
"section_2_financial_assets": {
"checking_savings": [
{
"institution": "First National Bank",
"account_type": "checking",
"account_number": "XXXX4532",
"balance": "28450.00"
},
{
"institution": "First National Bank",
"account_type": "savings",
"account_number": "XXXX7891",
"balance": "67230.00"
},
{
"institution": "Sunrise Credit Union",
"account_type": "money_market",
"account_number": "XXXX2345",
"balance": "45000.00"
}
],
"other_assets": [
{
"type": "retirement",
"description": "Fidelity 401(k)",
"value": "124500.00"
},
{
"type": "stocks",
"description": "Charles Schwab Brokerage Account",
"value": "35780.00"
},
{
"type": "other",
"description": "2022 Toyota Camry - Automobile",
"value": "22000.00"
}
],
"total_assets": "322960.00"
},
"section_3_liabilities": {
"liabilities": [
{
"creditor": "Chase Bank",
"account_type": "revolving",
"account_number": "XXXX8901",
"unpaid_balance": "3450.00",
"monthly_payment": "125.00",
"to_be_paid_off": false
},
{
"creditor": "Bank of America",
"account_type": "installment",
"account_number": "XXXX5678",
"unpaid_balance": "12340.00",
"monthly_payment": "385.00",
"to_be_paid_off": false
},
{
"creditor": "Sallie Mae",
"account_type": "installment",
"account_number": "XXXX9012",
"unpaid_balance": "18500.00",
"monthly_payment": "220.00",
"to_be_paid_off": false
}
],
"total_liabilities": "34290.00",
"total_monthly_payments": "730.00"
},
"section_4_employment_income": {
"current_employment": {
"employer_name": "Midwest Technology Solutions Inc.",
"employer_address": "500 Innovation Drive, Suite 200, Springfield, IL 62702",
"position_title": "Senior Software Developer",
"start_date": "2018-03-15",
"years_in_profession": "12",
"employment_type": "employed",
"ownership_share": ""
},
"income": {
"base_monthly": "9583.33",
"overtime_monthly": "0.00",
"bonus_monthly": "833.33",
"commission_monthly": "0.00",
"other_monthly": "0.00",
"total_monthly": "10416.66"
},
"co_borrower_employment": {
"employer_name": "Springfield General Hospital",
"employer_address": "1000 Health Center Blvd, Springfield, IL 62703",
"position_title": "Registered Nurse",
"start_date": "2015-08-01",
"years_in_profession": "14",
"employment_type": "employed"
},
"co_borrower_income": {
"base_monthly": "5833.33",
"overtime_monthly": "416.67",
"bonus_monthly": "0.00",
"commission_monthly": "0.00",
"other_monthly": "0.00",
"total_monthly": "6250.00"
},
"combined_monthly_income": "16666.66",
"previous_employment": [
{
"employer_name": "DataTech Corp",
"dates": "2015-06 to 2018-02",
"position": "Software Developer"
}
]
},
"section_5_loan_property": {
"loan_info": {
"loan_purpose": "purchase",
"loan_amount": "400000.00",
"loan_term_months": "360",
"interest_rate": "6.875",
"loan_type": "conventional",
"amortization_type": "fixed",
"arm_type": ""
},
"property": {
"address": {
"street": "789 Oak Ridge Lane",
"unit": "",
"city": "Springfield",
"state": "IL",
"zip": "62704",
"county": "Sangamon"
},
"property_value": "500000.00",
"property_type": "single_family",
"units": "1",
"occupancy": "primary_residence",
"year_built": "2019",
"legal_description": "Lot 24, Block 7, Oak Ridge Estates Subdivision, as recorded in Plat Book 45, Page 123, Sangamon County Records"
},
"title_info": {
"title_manner": "Robert James Thompson and Sarah Elizabeth Thompson as Joint Tenants with Right of Survivorship",
"estate_type": "fee_simple",
"source_of_down_payment": "Savings: $80,000.00; Gift from Parents: $20,000.00"
}
},
"section_6_declarations": {
"outstanding_judgments": false,
"bankruptcy_past_7_years": false,
"foreclosure_past_7_years": false,
"lawsuit_party": false,
"loan_default": false,
"alimony_child_support": false,
"borrowed_down_payment": false,
"co_maker_endorser": false,
"us_citizen": true,
"permanent_resident": false,
"primary_residence": true,
"ownership_interest_past_3_years": false
},
"section_7_demographic": {
"borrower": {
"ethnicity": "not_hispanic_latino",
"race": [
"white"
],
"sex": "male",
"collection_method": "face_to_face"
},
"co_borrower": {
"ethnicity": "not_hispanic_latino",
"race": [
"white"
],
"sex": "female",
"collection_method": "face_to_face"
}
},
"section_8_loan_originator": {
"organization_name": "Sunrise National Bank",
"organization_nmls": "456789",
"organization_address": "100 Main Street, Suite 500, Springfield, IL 62701",
"originator_name": "Patricia Williams",
"originator_nmls": "112233",
"originator_email": "patricia.williams@sunrisenationalbank.com",
"originator_phone": "(217) 555-1000"
},
"section_9_signatures": {
"borrower_signed": true,
"borrower_date": "2024-10-15",
"co_borrower_signed": true,
"co_borrower_date": "2024-10-15"
},
"calculated_ratios": {
"ltv": "80.0",
"dti_front": "18.6",
"dti_back": "23.0"
},
"validation": {
"all_sections_complete": true,
"ssn_format_valid": true,
"income_documented": true,
"signatures_present": true
}
}Uniform residential loan application with married borrowers and co-borrower information. Demonstrates extraction of borrower details, employment, and existing obligations for underwriting.
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Frequently Asked Questions
What documents can Uniform Residential Loan Application (Form 1003) process?
The Uniform Residential Loan Application (Form 1003) template processes lending documents including various formats and layouts. See the instructions for specific document types supported.
How accurate is the Uniform Residential Loan Application (Form 1003) extraction?
The Uniform Residential Loan Application (Form 1003) template uses Gemini 2.5 Flash for high-accuracy extraction. Results include confidence scores for each field.
Can I customize the Uniform Residential Loan Application (Form 1003) template?
Yes, you can modify the extraction schema, add custom fields, or adjust the instructions to match your specific requirements.
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