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Document type

Extracting data from closing protection letters

A title insurer issues a closing protection letter to the lender on a real estate closing, on its own version of the ALTA form. A lender's closing department receives one for every loan it closes, usually as a PDF emailed by the settlement agent or issued through the underwriter's portal.

The closing team needs the lender named, the settlement agent, the file and loan numbers and the coverage limit. Funding checks those against the loan file in the loan origination system, and releases funds once the letter matches.

Page 1 of a sample Closing Protection Letter, with extracted values outlined
12,776Markdown characters
14parse blocks
23fields extracted
The problem

What makes closing protection letters hard

A few values in legal text

The transaction details fill a short header block, followed by numbered requirements, conditions and exclusions that run to a second page.

Two parties in the header

The letterhead block names the protected lender and the settlement agent side by side, each with an address, and both roles have to stay apart.

Letters from cancelled agents

Underwriters have received claims on letters from agents they had cancelled, so many lenders check each letter on the underwriter's portal.

How it works

Parse, extract, verify

1

Parse

Parse turns the document into reading-order Markdown and a hierarchy of blocks (text, tables, figures), and grounds each block to its exact location on the page.

2

Extract

You define the fields in a JSON schema, and Extract returns their values in a consistent, structured format, each linked back to where it appears in the Markdown.

3

Verify

Each value links back to where it appears, down to the character range in the Markdown, and the page and bounding box in the source document, so every result can be verified.

Worked example

One closing protection letter, end to end

About this document: A sample closing protection letter from Covenant Real Estate Services, a Virginia settlement agent, issued on Fidelity National Title's form to a specimen lender. Two portrait pages: the transaction block and the requirements on page 1, then the conditions, exclusions and signature on page 2. Page 1 is featured. The borrowers and property are specimen data, and the page carries a SAMPLE watermark.

Processing objective: The objective is to capture who the letter protects, against whose handling of which transaction, and up to what amount. The coverage limit is read from inside a numbered requirement, and comes back as a number while grounding points at the sentence that sets it.

Demonstration fields: Lender protected, Settlement agent, File number, Loan number, Maximum funds covered

The document

2 of 2 pages
  • Page 1 of the sample Closing Protection LetterPage 1shown below
  • Page 2 of the sample Closing Protection LetterPage 2

Where each value came from

Page 1 of the sample Closing Protection Letter, with every featured field outlined
Lender protectedaddressee.name
Lending Bank, LLC
The region of the sample Closing Protection Letter containing Lender protected, with the extracted value outlined
extraction_metadata["addressee.name"]
{
  "value": "Lending Bank, LLC",
  "page": 1,
  "range": {
    "end": 72,
    "start": 55
  },
  "box": {
    "xmin": 0.029,
    "ymin": 0.07136,
    "xmax": 0.13677,
    "ymax": 0.08323
  }
}
Settlement agentsettlement_agent.name
Covenant Real Estate Services LLC
The region of the sample Closing Protection Letter containing Settlement agent, with the extracted value outlined
extraction_metadata["settlement_agent.name"]
{
  "value": "Covenant Real Estate Services LLC",
  "page": 1,
  "range": {
    "end": 409,
    "start": 375
  },
  "box": {
    "xmin": 0.58782,
    "ymin": 0.11785,
    "xmax": 0.78576,
    "ymax": 0.12834
  }
}
File numberfile_number
CRES-23-003S
The region of the sample Closing Protection Letter containing File number, with the extracted value outlined
extraction_metadata["file_number"]
{
  "value": "CRES-23-003S",
  "page": 1,
  "range": {
    "end": 194,
    "start": 168
  },
  "box": {
    "xmin": 0.02935,
    "ymin": 0.12894,
    "xmax": 0.19613,
    "ymax": 0.13948
  }
}
Loan numberloan_number
2003001
The region of the sample Closing Protection Letter containing Loan number, with the extracted value outlined
extraction_metadata["loan_number"]
{
  "value": "2003001",
  "page": 1,
  "range": {
    "end": 315,
    "start": 294
  },
  "box": {
    "xmin": 0.02925,
    "ymin": 0.17361,
    "xmax": 0.16558,
    "ymax": 0.18576
  }
}
Maximum funds coveredmax_aggregate_funds
5,000,000
The region of the sample Closing Protection Letter containing Maximum funds covered, with the extracted value outlined
extraction_metadata["max_aggregate_funds"]
{
  "value": 5000000,
  "page": 1,
  "range": {
    "end": 1459,
    "start": 1304
  },
  "box": {
    "xmin": 0.02726,
    "ymin": 0.37911,
    "xmax": 0.8992,
    "ymax": 0.39068
  }
}

How to try it yourself

Everything on this page is reproducible. The sample, its schema, and the Parse and Extract API outputs are published. You can repeat the same two calls from whichever surface you already build on.

  • Claude Skilldescribe the job; the agent writes it
  • CLIno code at all
  • MCPexpose ADE docs as an agent tool
  • REST APIany language
  • Pythonlandingai-ade
  • TypeScriptlandingai-ade
Why LandingAI?

Documents into data

Accurate

The best accuracy on the difficult documents other tools get wrong, such as messy scans, complicated tables, checkboxes and handwriting.

Auditable

Every answer cites its sources. Values come back with an audit trail (page, bounding box, character range) so a human can review them.

Agentic

Applies multi-step reasoning, and plans before it acts. Handles documents it has never seen before and adapts to variations.

API-first

Composable APIs that drop into any tech stack and can be called from anywhere. Easy to build on and embed in your pipelines and products.

Affordable

Cost-competitive rates with complete price transparency. Spend controls before you run, and every job reports its exact cost.

Enterprise-grade

Built for production and scale from day one. Fully observable and monitored, running securely in our cloud or yours.

Built for high-volume, high-throughput production

  • Zero data retention
  • Priority rate limits
  • Enhanced support
  • VPC and on-prem deployment

Available on Team and Enterprise plans.

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Capabilities

Closing Protection Letter processing highlights

No per-underwriter templates
Lender and assignee clauses
Settlement agent identification
File and loan numbers
Coverage limits in prose
Property and borrower details
Agent and letter identifiers
Watermark detection
Signature detection
Multi-page legal conditions
Native PDFs and scans
Bounding box for every value
FAQs

Questions, answered

No. A schema names the fields you want and describes them in plain language. Extraction reads the parsed letter for meaning, so one schema covers each underwriter's version of the form and its own field labels.

Yes. Give each party its own object in the schema, with a description of its role. The lender and the agent come back under separate names, each grounded to the block that prints it.

Yes. Type the field as a number and describe what it limits. A dollar amount stated inside a numbered requirement comes back as a plain number, and its grounding points at the sentence that sets it.

Every extracted value carries the character range it was quoted from in the parsed Markdown. The Ground API maps that range to a page and a bounding box, so a reviewer sees each value where the letter printed it.

A closing protection letter carries the borrowers' names and the property address. A schema can ask for the transaction terms alone. Accounts are available with zero data retention, alongside SOC 2 Type II, GDPR and HIPAA compliance.

Start extracting closing protection letter data

Reliable, structured outputs with full traceability in minutes