Extract data from mortgages

A mortgage, or a deed of trust in the states that use a trustee, is the security instrument that pledges a property as collateral for a loan, and it is recorded at the county so the lien is public. Servicers, secondary-market buyers, and title teams read the same instrument to confirm who owes what, on what property, and where the loan sits in line if the borrower defaults. Fields they depend on are stable across originators: the borrower and lender, the property address and its legal description, the principal loan amount, the note rate and whether it is fixed or adjustable, the amortization term, and the lien position. Fannie Mae and Freddie Mac publish the Uniform Loan Delivery Dataset (ULDD, Phase 5 / 5.1.0) and the Uniform Closing Dataset (UCD) as the MISMO-based shape every conforming loan is delivered in, which is why the same data points recur whether the paper came from a bank or a broker. Value turns on the rate, the schedule, and the priority. A $480,000 first-lien loan on a property appraised at $600,000 is an 80% loan-to-value that a secondary buyer prices differently from a second lien. A 6.125% fixed note over 360 months carries a principal-and-interest payment near $2,916.50, and the amortization schedule shows how each payment splits: the first payment applies $2,450.00 to interest and $466.50 to principal, and the remaining balance and the split shift every month until the loan retires at maturity. Whether the instrument is a mortgage or a deed of trust changes who holds legal title and how a foreclosure proceeds, and the recording book and page fix the priority date against any later lien. Reading the recorded instrument, Talonic returns the borrower, lender, and any trustee, the property and its legal description, the loan amount, note rate and rate type, term, maturity date, and lien position as fields, and keeps the amortization schedule as a table whose principal and interest foot to each total payment. A deed of trust dated 2026-06-15 between Miguel and Ana Herrera and Summit Ridge Bank, N.A., securing $480,000 at 6.125% over 360 months on 1420 Alder Street in Ada County, Idaho, recorded at Book 4821 Page 233 and maturing 2056-07-01, loads into a servicing or diligence system as structured data. Captured terms read as written, and Talonic does not judge the enforceability of the lien.

What gets extracted from mortgages

How extraction works for mortgages

Recorded mortgages and deeds of trust reach a servicer or a title team as county-recorder scans, closing-package PDFs, and imaged loan files, and the same data point sits under a different label from one originator to the next. Talonic classifies the instrument and maps it to the mortgage schema held in the Field Registry, whose fields follow the MISMO-based Uniform Loan Delivery Dataset and Uniform Closing Dataset, so the note rate, the amortization term, the lien position, and the maturity date each resolve to their own field regardless of wording. Rate type is separated from the rate, so a fixed note and an adjustable one are never merged, and the amortization schedule is checked to foot: each payment's principal plus interest equals its total, and the remaining balance declines by the principal applied. Recording book and page are parsed so the priority date is legible. Each captured figure carries a confidence reading and a pointer back to the source page under the DIN SPEC 91491 provenance model, so a servicer can verify the principal or the first-lien flag against the recorded instrument before boarding the loan.

Sample extraction

A recorded first-lien deed of trust with an amortization schedule

{
  "document_number": "DT-2026-0558102",
  "document_date": "2026-06-15",
  "borrower.name": "Miguel and Ana Herrera",
  "lender.name": "Summit Ridge Bank, N.A.",
  "trustee.name": "Cascade Title Services LLC",
  "property.address": "1420 Alder Street, Boise, ID 83702",
  "property.legal_description": "Lot 12, Block 4, Alderwood Addition, City of Boise",
  "property.county": "Ada",
  "property.state_or_province": "Idaho",
  "property_type": "single_family_detached",
  "appraised_value": 600000,
  "loan_amount": 480000,
  "currency": "USD",
  "interest_rate": "6.125%",
  "interest_rate_type": "fixed",
  "loan_term": 360,
  "loan_maturity_date": "2056-07-01",
  "monthly_payment": 2916.5,
  "senior_lien_position": true,
  "recording_information.book": "4821",
  "recording_information.page": "233",
  "governing_law": "State of Idaho",
  "amortization_schedule": [
    {
      "payment_number": 1,
      "payment_date": "2026-08-01",
      "principal_payment": 466.5,
      "interest_payment": 2450,
      "total_payment": 2916.5,
      "remaining_balance": 479533.5
    },
    {
      "payment_number": 2,
      "payment_date": "2026-09-01",
      "principal_payment": 468.88,
      "interest_payment": 2447.62,
      "total_payment": 2916.5,
      "remaining_balance": 479064.62
    }
  ]
}

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