SOC2
Process Credit Report Extractor — Faster Underwriting
Loan processing requires reviewing dozens of documents per application. Manual review delays approvals and increases default risk.
117
Fields Extracted
420s
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
- Credit Report Analysis
- Liability Calculation
- Mortgage
- Credit Report
Output Schema
{
"$schema": "http://json-schema.org/draft-07/schema#",
"title": "Credit Report Extraction",
"description": "Schema for extracted tri-merge credit report data for mortgage underwriting",
"type": "object",
"required": [
"document_type",
"consumer_info",
"credit_scores"
],
"properties": {
"document_type": {
"type": "string",
"const": "credit_report",
"description": "Document type"
},
"report_date": {
"type": "string",
"format": "d
...Quick Start
$ pip install doclayer
$ doclayer process document.pdf --agent lending.credit-report
See It In Action
Real extraction example showing input document and structured output.
Input Document
================================================================================
TRI-MERGE CREDIT REPORT
RESIDENTIAL MORTGAGE CREDIT REPORT
================================================================================
Report Information:
Report Date: 10/15/2024
Report Number: RMCR-2024-987654
Report Type: Tri-Merge Credit Report
Ordered By: First National Mortgage
================================================================================
CONSUMER Extracted Data
{
"document_type": "credit_report",
"report_date": "2024-10-15",
"report_type": "tri_merge",
"report_number": "RMCR-2024-987654",
"consumer_info": {
"name": "ANTHONY JAMES MARTINEZ",
"ssn": "XXX-XX-4567",
"date_of_birth": "1985-03-15",
"current_address": {
"street": "1847 Oak Valley Drive",
"city": "Denver",
"state": "CO",
"zip": "80220",
"reported_date": "2019-03"
},
"previous_addresses": [
{
"address": "456 Maple Street, Aurora, CO 80012",
"dates": "01/2016 - 02/2019"
},
{
"address": "789 Pine Avenue, Boulder, CO 80301",
"dates": "06/2012 - 12/2015"
}
],
"employers": [
{
"name": "Colorado Tech Industries",
"dates": "Current - 06/2018"
},
{
"name": "Boulder Software Inc.",
"dates": "01/2015 - 05/2018"
}
]
},
"credit_scores": {
"equifax": {
"score": 752,
"score_type": "FICO",
"model": "FICO Score 5",
"factors": [
"Length of credit history",
"Amounts owed on accounts",
"New credit applications",
"Types of credit in use"
]
},
"experian": {
"score": 748,
"score_type": "FICO",
"model": "FICO Score 2",
"factors": [
"Amounts owed on accounts",
"Length of credit history",
"New credit applications",
"Credit mix"
]
},
"transunion": {
"score": 755,
"score_type": "FICO",
"model": "FICO Score 4",
"factors": [
"Amounts owed on accounts",
"Length of credit history",
"Recent credit activity",
"Available credit"
]
},
"representative_score": 752
},
"credit_summary": {
"total_accounts": 18,
"open_accounts": 8,
"closed_accounts": 10,
"derogatory_accounts": 0,
"total_balance": "287450.00",
"total_monthly_payments": "3125.00",
"total_credit_limit": "85000.00",
"credit_utilization": "12%",
"oldest_account_age": "15 years",
"average_account_age": "6.5 years"
},
"tradelines": [
{
"creditor": "CHASE BANK - VISA SIGNATURE",
"account_number": "XXXX-4521",
"account_type": "revolving",
"account_status": "open",
"responsibility": "individual",
"date_opened": "2016-08",
"high_credit": "25000.00",
"current_balance": "3450.00",
"monthly_payment": "125.00",
"payment_history": {
"late_30": 0,
"late_60": 0,
"late_90": 0,
"late_120_plus": 0
},
"bureaus_reporting": [
"equifax",
"experian",
"transunion"
],
"remarks": "Pays as agreed"
},
{
"creditor": "BANK OF AMERICA - PLATINUM VISA",
"account_number": "XXXX-8901",
"account_type": "revolving",
"account_status": "open",
"responsibility": "individual",
"date_opened": "2019-03",
"high_credit": "15000.00",
"current_balance": "1200.00",
"monthly_payment": "50.00",
"payment_history": {
"late_30": 0,
"late_60": 0,
"late_90": 0
},
"bureaus_reporting": [
"equifax",
"experian",
"transunion"
],
"remarks": "Pays as agreed"
},
{
"creditor": "TOYOTA FINANCIAL SERVICES",
"account_number": "XXXX-7890",
"account_type": "installment",
"account_status": "open",
"responsibility": "individual",
"date_opened": "2022-02",
"high_credit": "35000.00",
"current_balance": "18000.00",
"monthly_payment": "625.00",
"payment_history": {
"late_30": 0,
"late_60": 0,
"late_90": 0
},
"bureaus_reporting": [
"equifax",
"experian",
"transunion"
],
"remarks": "Pays as agreed"
},
{
"creditor": "DISCOVER CARD",
"account_number": "XXXX-2345",
"account_type": "revolving",
"account_status": "open",
"responsibility": "individual",
"date_opened": "2012-11",
"high_credit": "18000.00",
"current_balance": "2800.00",
"monthly_payment": "100.00",
"payment_history": {
"late_30": 0,
"late_60": 0,
"late_90": 0
},
"bureaus_reporting": [
"equifax",
"experian",
"transunion"
],
"remarks": "Pays as agreed"
},
{
"creditor": "NAVIENT - STUDENT LOAN",
"account_number": "XXXX-6789",
"account_type": "installment",
"account_status": "open",
"responsibility": "individual",
"date_opened": "2009-09",
"high_credit": "45000.00",
"current_balance": "12000.00",
"monthly_payment": "175.00",
"payment_history": {
"late_30": 0,
"late_60": 0,
"late_90": 0
},
"bureaus_reporting": [
"equifax",
"experian",
"transunion"
],
"remarks": "Pays as agreed"
}
],
"mortgage_tradelines": [
{
"creditor": "WELLS FARGO HOME MORTGAGE",
"original_lender": "Wells Fargo Bank",
"account_type": "first_mortgage",
"property_address": "1847 Oak Valley Drive, Denver, CO 80220",
"original_amount": "320000.00",
"current_balance": "275000.00",
"monthly_payment": "2150.00",
"payment_status": "current",
"date_opened": "2019-04",
"loan_type": "conventional"
}
],
"public_records": {
"bankruptcies": [],
"foreclosures": [],
"tax_liens": [],
"judgments": []
},
"collections": [],
"inquiries": {
"hard_inquiries": [
{
"creditor": "First National Mortgage",
"date": "2024-10-01",
"type": "mortgage"
},
{
"creditor": "Bank of America",
"date": "2024-09-15",
"type": "credit_card"
},
{
"creditor": "Capital One",
"date": "2024-03-22",
"type": "credit_card"
}
],
"inquiry_count_last_6_months": 2,
"inquiry_count_last_12_months": 3
},
"liabilities_for_underwriting": {
"total_revolving_payment": "275.00",
"total_installment_payment": "800.00",
"total_mortgage_payment": "2150.00",
"total_monthly_liabilities": "3225.00",
"collections_to_be_paid": "0.00",
"judgments_to_be_paid": "0.00"
},
"underwriting_flags": {
"disputed_accounts": false,
"disputed_count": 0,
"authorized_user_accounts": 1,
"recent_derogatory": false,
"fraud_alert": false,
"credit_freeze": false,
"active_military": false,
"identity_verification_needed": false
},
"validation": {
"all_bureaus_reporting": true,
"ssn_variations": false,
"address_consistent": true,
"scores_available": true
}
}Tri-merge credit report showing consumer credit history and employment record. Demonstrates extraction of credit score data, trade lines, and credit profile for underwriting assessment.
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Extract property appraisal data from Fannie Mae Form 1004 (URAR). Captures property details, comparable sales, adjustments, and final value opinion.
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Frequently Asked Questions
What documents can Credit Report Extractor process?
The Credit Report Extractor template processes lending documents including various formats and layouts. See the instructions for specific document types supported.
How accurate is the Credit Report Extractor extraction?
The Credit Report Extractor template uses Gemini 2.5 Flash for high-accuracy extraction. Results include confidence scores for each field.
Can I customize the Credit Report 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
Process your first document in under 5 minutes. No credit card required.