SOC2
Process Closing Disclosure (TRID) Extractor — Faster Underwriting
Loan processing requires reviewing dozens of documents per application. Manual review delays approvals and increases default risk.
157
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
- Closing Disclosure Processing
- Trid Compliance
- Mortgage
- Closing Disclosure
Output Schema
{
"$schema": "http://json-schema.org/draft-07/schema#",
"title": "Closing Disclosure (TRID)",
"description": "Schema for extracted Closing Disclosure data for TRID compliance",
"type": "object",
"required": [
"document_type",
"closing_date",
"parties",
"property",
"loan_terms"
],
"properties": {
"document_type": {
"type": "string",
"const": "closing_disclosure",
"description": "Document type"
},
"form_date": {
"type": "string"
...Quick Start
$ pip install doclayer
$ doclayer process document.pdf --agent lending.closing-disclosure
See It In Action
Real extraction example showing input document and structured output.
Input Document
================================================================================
CLOSING DISCLOSURE
================================================================================
This form is a statement of final loan terms and closing costs. Compare this
document with your Loan Estimate.
Closing Information Transaction Information
--------------------------------------------------------------------------------
Date Issued: 10/20/2024 Extracted Data
{
"document_type": "closing_disclosure",
"form_date": "2024-10-20",
"closing_date": "2024-10-28",
"disbursement_date": "2024-10-28",
"transaction_info": {
"transaction_type": "purchase",
"product": "Fixed Rate",
"loan_type": "conventional",
"loan_id": "HT-2024-789012"
},
"parties": {
"borrower": {
"name": "James Michael Parker, Sarah Jane Parker",
"address": "456 Current Street, Phoenix, AZ 85004"
},
"seller": {
"name": "Robert A. Williams, Nancy L. Williams",
"address": "789 Seller Avenue, Scottsdale, AZ 85255"
},
"lender": {
"name": "Arizona Home Mortgage Corp.",
"nmls": "123456",
"address": "500 Finance Plaza, Suite 200, Phoenix, AZ 85012"
}
},
"property": {
"address": {
"street": "1234 Desert Rose Lane",
"city": "Scottsdale",
"state": "AZ",
"zip": "85255"
},
"sale_price": "575000.00"
},
"loan_terms": {
"loan_amount": "460000.00",
"interest_rate": "6.375",
"monthly_pi": "2871.08",
"prepayment_penalty": false,
"balloon_payment": false
},
"projected_payments": {
"year_1_5": {
"principal_interest": "2871.08",
"mortgage_insurance": "191.67",
"escrow": "612.50",
"total_monthly": "3675.25"
},
"year_6_onwards": {
"principal_interest": "2871.08",
"mortgage_insurance": "0.00",
"escrow": "612.50",
"total_monthly": "3483.58"
},
"escrow_includes": {
"property_taxes": true,
"homeowners_insurance": true,
"flood_insurance": false
}
},
"costs_at_closing": {
"closing_costs": "15847.50",
"cash_to_close": "130847.50"
},
"loan_costs_section_a": {
"origination_charges": {
"points": "2300.00",
"points_percent": "0.50",
"application_fee": "500.00",
"underwriting_fee": "1200.00",
"other_origination": "600.00",
"total": "4600.00"
}
},
"loan_costs_section_b": {
"services_borrower_did_not_shop": {
"appraisal_fee": "550.00",
"credit_report": "75.00",
"flood_determination": "25.00",
"flood_monitoring": "35.00",
"tax_monitoring": "85.00",
"tax_status_research": "75.00",
"total": "1845.00"
}
},
"loan_costs_section_c": {
"services_borrower_did_shop": {
"pest_inspection": "125.00",
"survey": "450.00",
"settlement_agent": "225.00",
"total": "800.00"
}
},
"total_loan_costs": "7245.00",
"other_costs_section_e": {
"taxes_government_fees": {
"recording_fees": "200.00",
"transfer_taxes": "1202.50",
"total": "1402.50"
}
},
"other_costs_section_f": {
"prepaids": {
"homeowners_insurance_premium": "2100.00",
"insurance_months": "12",
"prepaid_interest": "401.75",
"prepaid_interest_per_day": "80.35",
"prepaid_interest_days": "5",
"property_taxes": "748.25",
"total": "3250.00"
}
},
"other_costs_section_g": {
"initial_escrow": {
"homeowners_insurance": "525.00",
"insurance_months_escrow": "3",
"mortgage_insurance": "575.00",
"mi_months_escrow": "3",
"property_taxes": "1750.00",
"tax_months_escrow": "4",
"aggregate_adjustment": "300.00",
"total": "3150.00"
}
},
"other_costs_section_h": {
"other": {
"items": [
{
"description": "Home Warranty",
"amount": "550.00",
"paid_to": "Home Shield"
},
{
"description": "HOA Transfer Fee",
"amount": "250.00",
"paid_to": "Desert Rose HOA"
}
],
"total": "800.00"
}
},
"total_other_costs": "8602.50",
"total_closing_costs": "15847.50",
"lender_credits": "0.00",
"calculating_cash_to_close": {
"total_closing_costs": "15847.50",
"closing_costs_paid_before_closing": "0.00",
"closing_costs_financed": "0.00",
"down_payment_funds": "115000.00",
"deposit": "5000.00",
"funds_for_borrower": "0.00",
"seller_credits": "5000.00",
"cash_to_close": "130847.50"
},
"loan_disclosures": {
"assumption": "not_allowed",
"demand_feature": false,
"late_payment_grace_period": "15",
"late_payment_fee": "5% of monthly principal and interest payment",
"negative_amortization": false,
"escrow_account": true,
"escrow_monthly": "612.50"
},
"apr": "6.627",
"total_interest_percent": "125.81",
"total_of_payments": "1033588.80",
"finance_charge": "579435.30",
"amount_financed": "458553.50",
"contact_information": {
"lender": {
"name": "Arizona Home Mortgage Corp.",
"nmls": "123456",
"address": "500 Finance Plaza, Suite 200, Phoenix, AZ 85012",
"contact_name": "Michael Stevens",
"phone": "(602) 555-1234",
"email": "mstevens@azhomemortgage.com"
},
"settlement_agent": {
"name": "Heartland Title Company",
"license": "AZ-T-45678",
"address": "200 Title Way, Phoenix, AZ 85001"
}
},
"validation": {
"cd_le_comparison_complete": true,
"tolerances_met": true,
"dates_valid": true,
"calculations_correct": true
}
}Purchase closing disclosure showing final loan terms and closing costs for home sale. Demonstrates extraction of loan details, fees, and settlement information for closing verification.
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Frequently Asked Questions
What documents can Closing Disclosure (TRID) Extractor process?
The Closing Disclosure (TRID) Extractor template processes lending documents including various formats and layouts. See the instructions for specific document types supported.
How accurate is the Closing Disclosure (TRID) Extractor extraction?
The Closing Disclosure (TRID) Extractor template uses Gemini 2.5 Flash for high-accuracy extraction. Results include confidence scores for each field.
Can I customize the Closing Disclosure (TRID) Extractor template?
Yes, you can modify the extraction schema, add custom fields, or adjust the instructions to match your specific requirements.
Start Extracting Data Today
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