SOC2
Process Uniform Residential Appraisal Report (Form 1004) — Faster Underwriting
Loan processing requires reviewing dozens of documents per application. Manual review delays approvals and increases default risk.
166
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
- Appraisal Processing
- Property Valuation
- Mortgage
- 1004
Output Schema
{
"$schema": "http://json-schema.org/draft-07/schema#",
"title": "Form 1004 URAR Extraction Schema",
"description": "JSON Schema for Uniform Residential Appraisal Report (Form 1004) data extraction",
"type": "object",
"required": [
"document_type",
"subject_property",
"reconciliation"
],
"properties": {
"document_type": {
"type": "string",
"const": "1004_urar",
"description": "Document type identifier"
},
"appraisal_info": {
"type": "
...Quick Start
$ pip install doclayer
$ doclayer process document.pdf --agent lending.1004-urar
See It In Action
Real extraction example showing input document and structured output.
Input Document
UNIFORM RESIDENTIAL APPRAISAL REPORT Fannie Mae Form 1004 ═══════════════════════════════════════════════════════════════════════════════ FILE INFORMATION ═══════════════════════════════════════════════════════════════════════════════ File No.: 2024-APR-00892 Lender/Client File No.: SNB-2024-0078523 Property Address: 789 Oak Ridge Lane City: Springfield State: IL Zip Code: 62704 County: Sangamon Legal Description: Lot 24, Block 7, Oak Ridge Estates Subdivision Assessor's Parcel No.: 14-28-23
Extracted Data
{
"document_type": "1004_urar",
"appraisal_info": {
"file_number": "SNB-2024-0078523",
"appraiser_file_number": "2024-APR-00892",
"effective_date": "2024-10-10",
"report_date": "2024-10-12"
},
"subject_property": {
"address": {
"street": "789 Oak Ridge Lane",
"city": "Springfield",
"state": "IL",
"zip": "62704",
"county": "Sangamon"
},
"legal_description": "Lot 24, Block 7, Oak Ridge Estates Subdivision",
"assessor_parcel": "14-28-234-015",
"tax_year": "2023",
"real_estate_taxes": "6850.00",
"neighborhood_name": "Oak Ridge Estates",
"map_reference": "14-28",
"census_tract": "0028.02"
},
"borrower_lender": {
"borrower": "Robert James Thompson and Sarah Elizabeth Thompson",
"owner_of_public_record": "Johnson Family Trust",
"lender_client": "Sunrise National Bank",
"lender_address": "100 Main Street, Suite 500, Springfield, IL 62701"
},
"assignment_info": {
"property_rights_appraised": "fee_simple",
"assignment_type": "purchase",
"is_subject_to": "",
"contract_price": "500000.00",
"contract_date": "2024-09-28",
"seller_concessions": "0.00"
},
"neighborhood": {
"location": "suburban",
"built_up": "over_75",
"growth": "stable",
"property_values": "increasing",
"demand_supply": "in_balance",
"marketing_time": "under_3_months",
"one_unit_housing_trends": {
"price_low": "375000.00",
"price_high": "650000.00",
"price_predominant": "475000.00 - 550000.00",
"age_low": "3",
"age_high": "12",
"age_predominant": "5 - 8"
},
"present_land_use": {
"one_unit": "85",
"two_four_unit": "5",
"multi_family": "0",
"commercial": "5",
"other": "5"
},
"neighborhood_boundaries": "North: Highway 55; South: Oak Ridge Road; East: Springfield Country Club; West: Interstate 72",
"neighborhood_description": "Oak Ridge Estates is an established suburban subdivision with well-maintained single-family homes. The neighborhood features mature landscaping, sidewalks, and good access to schools, shopping, and employment centers. No adverse conditions noted."
},
"site": {
"dimensions": "85 x 140 (Irregular)",
"area_sq_ft": "11900",
"area_acres": "0.27",
"shape": "Slightly Irregular",
"view": "Residential",
"zoning": "R-1",
"zoning_description": "Single Family Residential",
"zoning_compliance": "legal",
"highest_best_use": "present_use",
"utilities": {
"electricity": "public",
"gas": "public",
"water": "public",
"sewer": "public"
},
"off_site_improvements": {
"street": "public",
"surface": "asphalt"
},
"fema_flood": {
"zone": "X",
"panel_number": "17167C0235E",
"map_date": "2019-01-02"
}
},
"improvements": {
"general": {
"units": "1",
"stories": "2",
"type": "detached",
"design_style": "Two-Story Colonial",
"existing_proposed": "existing",
"age_years": "5",
"effective_age": "4"
},
"foundation": {
"type": "full_basement",
"basement_sqft": "1450",
"basement_finished": "1088",
"basement_ceiling": "",
"sump_pump": true,
"dampness": false,
"settlement": false,
"infestation": false
},
"exterior": {
"walls": "Vinyl Siding",
"roof_surface": "Asphalt Shingles",
"gutters": "Aluminum",
"windows": "Double-Hung Vinyl",
"screens": true,
"storm_sash": false,
"manufactured_house": false
},
"interior": {
"floors": "Hardwood/Carpet/Tile",
"walls": "Drywall",
"trim_finish": "Wood",
"bath_floor": "Tile",
"bath_wainscot": "Tile"
},
"heating_cooling": {
"fuel": "gas",
"type": "forced_air",
"central_ac": true
},
"amenities": {
"fireplace_count": "1",
"patio_deck": "Covered Patio, Wood Deck",
"pool": false,
"fence": "Privacy Fence (Rear)"
},
"car_storage": {
"type": "garage",
"count": "2",
"attached_detached": "attached"
},
"room_count": {
"above_grade": {
"total_rooms": "8",
"bedrooms": "4",
"bathrooms": "2",
"half_baths": "1",
"gross_living_area": "2450"
},
"below_grade": {
"total_rooms": "2",
"bedrooms": "0",
"bathrooms": "1",
"finished_sqft": "1088"
}
}
},
"sales_comparison": {
"comparable_1": {
"address": "456 Oak Ridge Court",
"proximity": "0.3 miles",
"sale_price": "485000.00",
"price_per_sqft": "198.77",
"data_source": "MLS #12345678",
"verification_source": "Closed Sale",
"sale_date": "2024-08-15",
"adjustments": {
"sale_concessions": "0",
"financing_concessions": "0",
"date_of_sale": "0",
"location": "0",
"site": "+2500",
"view": "0",
"design_style": "0",
"quality": "0",
"age": "+2000",
"condition": "0",
"above_grade_room_count": "+7500",
"gross_living_area": "+500",
"basement_finished": "+5000",
"functional_utility": "0",
"heating_cooling": "0",
"garage_carport": "0",
"porch_patio_deck": "+2000",
"net_adjustment": "+19500",
"gross_adjustment": "+19500"
},
"adjusted_sale_price": "504500.00"
},
"comparable_2": {
"address": "234 Maple View Drive",
"proximity": "0.5 miles",
"sale_price": "510000.00",
"price_per_sqft": "204.00",
"data_source": "MLS #12345679",
"verification_source": "Closed Sale",
"sale_date": "2024-07-22",
"adjustments": {
"sale_concessions": "0",
"financing_concessions": "0",
"date_of_sale": "0",
"location": "0",
"site": "-1000",
"view": "0",
"design_style": "0",
"quality": "0",
"age": "-2000",
"condition": "0",
"above_grade_room_count": "0",
"gross_living_area": "-2500",
"basement_finished": "-3000",
"functional_utility": "0",
"heating_cooling": "0",
"garage_carport": "0",
"porch_patio_deck": "0",
"net_adjustment": "-8500",
"gross_adjustment": "+8500"
},
"adjusted_sale_price": "501500.00"
},
"comparable_3": {
"address": "567 Willow Creek Lane",
"proximity": "0.8 miles",
"sale_price": "475000.00",
"price_per_sqft": "197.92",
"data_source": "MLS #12345680",
"verification_source": "Closed Sale",
"sale_date": "2024-06-30",
"adjustments": {
"sale_concessions": "0",
"financing_concessions": "0",
"date_of_sale": "+5000",
"location": "0",
"site": "+3500",
"view": "0",
"design_style": "+5000",
"quality": "0",
"age": "+4000",
"condition": "+10000",
"above_grade_room_count": "+7500",
"gross_living_area": "+2500",
"basement_finished": "+12000",
"functional_utility": "0",
"heating_cooling": "0",
"garage_carport": "0",
"porch_patio_deck": "+3000",
"net_adjustment": "+52500",
"gross_adjustment": "+52500"
},
"adjusted_sale_price": "527500.00"
}
},
"reconciliation": {
"indicated_value_sales_comparison": "505000.00",
"indicated_value_cost_approach": "498000.00",
"indicated_value_income_approach": "",
"final_opinion_of_value": "505000.00",
"reconciliation_comments": "The Sales Comparison Approach is given primary weight as it best reflects market behavior for owner-occupied single-family residences in this area. Comparable 1 and 2 required the least adjustments and provide the best indication of value. The Cost Approach supports the value conclusion. The Income Approach was not developed as this is not an income-producing property."
},
"appraiser": {
"name": "Michael Anderson, MAI, SRA",
"company": "Springfield Appraisal Services LLC",
"address": "200 Professional Drive, Suite 100, Springfield, IL 62701",
"phone": "(217) 555-4567",
"email": "m.anderson@springfieldappraisal.com",
"state_license": "553.001234",
"state": "IL",
"expiration": "2025-12-31",
"signature_date": "2024-10-12",
"supervisory_appraiser": ""
},
"validation": {
"all_sections_complete": true,
"comps_within_guidelines": true,
"adjustments_supported": true,
"value_conclusion_supported": true
}
}Residential appraisal report for owner-occupied home with property assessment details. Shows extraction of neighborhood data, property characteristics, and appraised value information.
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Frequently Asked Questions
What documents can Uniform Residential Appraisal Report (Form 1004) process?
The Uniform Residential Appraisal Report (Form 1004) template processes lending documents including various formats and layouts. See the instructions for specific document types supported.
How accurate is the Uniform Residential Appraisal Report (Form 1004) extraction?
The Uniform Residential Appraisal Report (Form 1004) template uses Gemini 2.5 Flash for high-accuracy extraction. Results include confidence scores for each field.
Can I customize the Uniform Residential Appraisal Report (Form 1004) template?
Yes, you can modify the extraction schema, add custom fields, or adjust the instructions to match your specific requirements.
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