Extract loan packages to structured JSON
Loan packages bundle dozens of document types into a single PDF: applications, pay stubs, bank statements, tax returns, and disclosures. Sensible classifies, splits, and extracts each document for automated underwriting, compliance checks, and loan boarding.
Why loan packages demand document intelligence
Hundreds of pages. 20+ document types. No table of contents. Extraction starts with classification.
A 200-page loan file mixes tax returns, pay stubs, W-2s, and disclosures. Sensible identifies each document type and its page boundaries.
Loan acquisitions involve thousands of files. Sensible processes them via API at scale, extracting structured data for due diligence.
Pay stub income should match the W-2. The appraisal address should match the disclosure. Validation rules catch cross-document gaps.
Fields we extract
Extract any data you need from loan packages into your desired output schema
Borrower name, SSN (masked), address, employer, income, assets, liabilities (from application and verification docs)
Loan amount, interest rate, loan type, term, amortization, LTV, DTI, property type, property address, appraised value
Closing costs, APR, TRID tolerance checks, conditions to close, title exceptions, insurance requirements
Business lending package including financials, guarantor docs, and collateral.
Small Business Administration loan documentation with SBA-specific forms.
Complete loan file with application, disclosures, verifications, and title documents.
Supported loan package types
Sensible processes loan packages for all major lending programs, including conventional, FHA, VA, and USDA. Custom configurations can be built for any loan type in hours.
Conventional, FHA, VA, USDA, jumbo, HELOC, commercial, SBA, construction
Origination, underwriting, closing, post-closing QC, due diligence, securitization
Common Questions
Details on loan package classification and extraction.
Yes. You can submit multiple loan package PDFs via the API and receive structured data for each. This supports portfolio due diligence, bulk onboarding, and audit workflows.
Sensible handles loan packages of any page count. Packages of 200+ pages are common in mortgage workflows. Processing time scales linearly with page count.
Sensible's classifier detects 20+ document types commonly found in loan packages: tax returns, pay stubs, bank statements, W-2s, 1099s, VOEs, closing disclosures, appraisals, title reports, and more.
Sensible classifies each document within a loan package PDF, splitting it into individual documents like pay stubs, tax returns, bank statements, and closing disclosures. Each is then extracted with the appropriate configuration.
Yes. Sensible sends extraction results to your webhook endpoint when processing completes. You can also poll the API for status.
Yes. Sensible flags extractions with low confidence for human review. You can configure review thresholds and workflows.
Sensible is SOC 2 Type II certified and HIPAA compliant. Data is encrypted in transit and at rest.
Documents are deleted after 30 days by default. You can configure shorter retention periods or request immediate deletion via API.
Yes. Sensible offers a free tier with 50 documents per month. No credit card required to start.
Sensible uses per-document pricing for predictable costs. No token-based billing or usage surprises. Volume discounts are available for higher throughput.
Sensible provides REST APIs and SDKs for Python and Node.js. Most integrations take a few hours. Webhooks, Zapier, and direct API calls are all supported.
Sensible processes PDF, PNG, JPG, and TIFF files. PDFs can be native or scanned.
Accuracy depends on document quality and configuration. Most production deployments achieve 95%+ accuracy with proper validation rules and confidence scoring.
Most documents process in 2 to 10 seconds depending on complexity and page count.