Automated Document Recognition (ADR)

Standard ADR Learnset 23.3.10.0

This release introduces a new ICE Mortgage Technology Standard ADR Learnset 23.3.10.0.

Release Highlights

  • Added 1 new document type

New and Improved Capabilities

Document Updates in the Learnset

New Documents

The following new document has been added to this Learnset for integration with partners/ ICE Mortgage applications; automatic recognition of this document type is not supported by ADR:

Document Type Description

 Category
Investment Statement Income/Assets

Additional Document Updates

The Learnset contains 714 document types, including 20 document types to support integration with our partners/ ICE Mortgage Technology applications; automatic recognition of these document types is not supported.

The following 20 documents are present in the Learnset to support integration with our partners:

Document Description
AIQ AUS Worksheet
AIQ Asset Worksheet
AIQ Credit Worksheet
AIQ Income Worksheet
AIQ PCA Worksheet
Asset Analyzer Worksheet
Closing Disclosure Draft
Closing Disclosure Package Data
Collateral Cover Page
Data Audit Report
Email
Initial Disclosure Package Data
Loan Estimate Compliance Certificate
Loan Estimate Draft
LOS Data
Miscellaneous
Pre-Approval Letter
Pre-Qualification Letter
Property Fee Data
Recycle Bin

This Learnset includes 176 document types that are supported by ADR as part of Ellie Mae barcode integration. These document types can be used only when an Ellie Mae barcode is stamped on the document pages. Automatic recognition of these document types is not supported. "Ellie barcode recognition" needs to be enabled to use this feature.

Document Description

 Document Description
Designated Check Signers State Specific Release Fee Disclosure
FHA Interest Rate Repair On 203K Escrow Account State Specific Service Fee Authorization
Home Equity Compliance Affidavit State Specific Supplemental Closing Disclosure
Homestead And Non-Homestead Affidavit State Specific Veterans Administration Notice
Household Verification Affidavit Ability To Repay Disclosure
Lender Closing Certificate Acknowledgement Of Receipt Of HELOC Agreement
Notary Identification Certificate Construction Property Tax Disclosure
Owners Affidavit Of Compliance Consumer Disclosure
Property Ownership Affidavit Escrow Account Payment Notice
Qualified Mortgage Certification Fixed Rate Disclosure
Tax Credit Borrower Information High Priced Mortgage Loan Disclosure
Tax Return Affidavit Loan Product Choice Disclosure
VA Affidavit Of Qualification Notice Regarding Escrow Account
Collateral Assignment of Beneficial Interest Of Land Trust State Specific Credit Extension Disclosure
Designation Of Homestead Affidavit State Specific Fixed Rate Disclosure
FHA Notice To Mortgagor At Loan Closing Regarding Prepayment VA Required Disclosure Statement
Home Buyer Affidavit State Specific Small Loan Act Disclosure Statement
Lender Certification Of Rate Lock Date Draw Disbursement Authorization
Notice Of Commitment Waiver Draw Request And Disbursement Authorization
Notice Of State Tax Withholding Initial Draw Funds Disbursement Authorization
Post-Closing Condition Detail Loan Guaranty Funding Fee Transmittal
Refinance Affidavit FHA Mortgage Statement On Inspection Of Subject Property
Refinance Certification Borrower Certification Of Household Income
Refinance Non-Solicitation Notice Federal Flood Certification - Work Order
Rural Development Transmittal - Closing Documents FHA Request For Insurance Endorsement
Section 255 Affidavit Acknowledgement Of Document Receipt
Security Affidavit Agreement By Beneficiaries And Trustee To Notify Lender Of Sale or Transfer Of Interest
Security Assignment of Beneficial Interest Appliance Statement
SSA Consent For Release Of Information Application Log
UFMIP Transmittal For Payment Appointment Of Designee
USDA Guaranteed Loan Closing Report Assignment of Beneficial Interest Instructions
USDA Guaranteed Rural Housing Lender Record Change Attorney Certification
USDA Lender Record Change Certification Of Non-Foreign Status
USDA Request For Reservation Of Funds Description Of Required Exhibits And Documentation
USDA Worksheet For Documenting Eligible Household And Repayment Income Estimated Transaction Summary Information
Affidavit Of Fair Market Value FHA Negative Equity Borrower Certification
Affidavit Of Purchaser HMDA Data Sheet
Affidavit Of Purchaser And Recapture Notice HUD Credit Application For Manufactured Home
Appraisal Delivery Certification Hypothecation Letter
Certificate Of Non Referral Information For Monitoring Purposes
Certificate Of Participating Lending Institution Insurance Confirmation And Authorization
Certificate Of Trust Inter Vivos Borrower - Acknowledgement
Certification Of Non-Referral Living Trust Non-Revocation Affidavit
Co-Signer Certification Mortgage Record Change
Loan Delivery Checklist Multiple Indebtedness Mortgage
VHDA Closing Certification New Construction Tax Statement
CFPB Home Equity Lines Of Credit Payment Schedule Summary
Good Faith Estimate Of Charges To Be Paid by Seller Preliminary Condition Detail
High Cost Mortgage Disclosure Profit Management
Homestead Disclosure Receipt of Document Copies
Manufactured Housing Disclosure Release Of Lien
Marketing List Opt-Out Notice Smoke Alarm Affidavit
Notice Regarding Integrate Mortgage Disclosures Trust Account
Notice to Borrower Regarding Credit Agreement Underwriter Summary
Notice To Borrower Regarding Credit Card Access To HELOC Underwriting Condition Detail
Notice To VA Loan Applicants VA Alive And Well Statement
Notice To VA Loan Borrower VA Cash-Out Refinance Home Equity Disclosure
Notification To Homeowners VA IRRRL Recoupment
Owners Estoppel Certificate VA No Inspections
Product Comparison Disclosure VA Origination Statement
RESPA Compliance Certification VA Relationship Letter
State Specific Property Insurance Disclosure Well Testing Act Certification
State Specific Alternative Mortgage Transaction Disclosure Addendum To Purchase Package
State Specific ARM Disclosure Addendum To Servicing Package
State Specific Broker Disclosure of Involvement Borrower Affirmation
State Specific Condominium Notice Correspondent Delivery Worksheet
State Specific Construction Financing Notice Escrow Fund Reconciliation
State Specific Credit Authorization Evidence Of Joint Application
State Specific Declaration Of Exemption Extension Request Form
State Specific Delivery Of Net Proceeds Authorization Funding Checklist
State Specific Determination Of Borrower's Interest Worksheet Non Borrowing Spouse
State Specific Disclosure Fair Housing Notice of Placement of Insurance
State Specific Disclosure Of Certain Mortgage Loan Provisions Notice To Buyers Of Conventional Non Assumable Loan
State Specific Disclosure Of Fees And Charges Closing Recapture Reimbursement
State Specific Disclosure Of Seller Paid Fees Termite Waiver
State Specific Disclosure To Consumer ULI Communication
State Specific Escrow Election Universal Loan Identifier Confirmation
State Specific Escrow Notice VA Benefit Questionnaire
State Specific Fair Market Value Disclosure VA Limited Repair Indemnification Agreement
State Specific Flood Insurance Notice VA Renovation Borrower's Acknowledegment
State Specific HELOC Disclosure VA Statement Due On Sale
State Specific High Cost Disclosure Fee Worksheet Acknowledgement
State Specific Mortgage Broker Rate Lock Commitment Disclosure VA Active Duty Questionnaire
State Specific Notice And Waiver Child Care Provider Certification
State Specific Notice for High Loan-To-Value Mortgage Borrower Property Condition Certification
State Specific Notice of Change In Loan Terms Certification Of Smoke And Carbon Monoxide Alarms
State Specific Qualification For Loan Without Prepayment Penalty Important Notice Regarding Property Taxes
State Specific Refinance Disclosure Real Property Recordation And Transfer Tax Form

Please note the following: 

  • When the "Note Addendum" document and the "Note" document are ingested together sequentially into ICE Data & Document Automation, the Note Addendum will be merged with the "Note". If the Note Addendum is ingested separately from the Note document, then it will be recognized as "Note Addendum" in ICE Data & Document Automation.

  • When the "FHA Direct Endorsement Approval" document and the "FHA VA Application Addendum" document are ingested together sequentially into ICE Data & Document Automation, the FHA Direct Endorsement Approval document will be merged with the "FHA VA Application Addendum". If the FHA Direct Endorsement Approval is ingested separately from the FHA Direct Endorsement Approval, then it will be recognized as FHA Direct Endorsement Approval in ICE Data & Document Automation.

  • When the "Check" document and the "Bank Statement" document are ingested together sequentially into ICE Data & Document Automation, the Check will be merged with the "Bank Statement". If the Check is ingested separately from the Bank Statement, then it will be recognized as "Check".

  • When the Fannie Mae 1005 version of the "Verification of Employment" document is ingested into ICE Data & Document Automation, it will be recognized as the "Verification of Employment". Other versions of the Verification of Employment with income document will be recognized as "Electronic Verification of Employment". Other versions of the Verification of Employment without income document will be recognized as a “EVOE Without Income”.

  • When the “Addendum To Closing Disclosure” document and the "Closing Disclosure/Seller Closing Disclosure" are ingested together sequentially into ICE Data & Document Automation, the Addendum To Closing Disclosure will be merged with the "Closing Disclosure/Seller Closing Disclosure". If the Addendum To Closing Disclosure is ingested separately from the Closing Disclosure/Seller Closing Disclosure, then it will be recognized as “Addendum To Closing Disclosure”.

  • When the "Invoice" document and the "Appraisal" document are ingested together sequentially into ICE Data & Document Automation, the Invoice will be merged with the "Appraisal". If the Invoice is ingested separately from the Appraisal, then it will be recognized as "Invoice".

  • The new version of the URLA 2019 document will be recognized as "URLA". The previous version of the URLA document will continue to be recognized as "Loan Application" in this Learnset.

  • Spanish language versions of the Closing Disclosure, Loan Application, Loan Estimate and SSA Form 89 are not supported for Automated Document Extraction (ADE).

  • The Learnset is expected to recognize only the specific Spanish document variations that are learned by ICE Mortgage Technology. Additional versions may be identified during customer validation in production and will be considered in a subsequent release.

  • If the Spanish document is stamped with a bar code, then the bar code encoded value is expected to be in English.

  • The default auto-tagging feature is not supported for Spanish language versions of the documents.

  • Splitting of consecutive document sets based on file boundary and default auto splitting feature is supported for the Spanish language versions in this Learnset.

  • Splitting of consecutive document sets based on file boundary and default auto splitting feature continues to be supported this Learnset.

  • This default auto splitting feature is not available for the following documents, and consecutive sets of these documents will be merged:

    • Bank Statement

    • CFPB Home Loan Toolkit

    • CHARMS

    • Credit Report

    • FACTA Credit Score Disclosure

    • Preliminary Title Commitment

    • Purchase Agreement

    • Settlement Cost Booklet

    • Tax Returns

The splitting of consecutive document sets based on file boundary takes precedence over this merging behavior.

  • The Spanish version of documents like the CHARMS booklet contain pages from the Loan Estimate and Closing Disclosure. These pages may get recognized as Loan Estimate or Closing Disclosure respectively. This issue will be resolved in a subsequent release.

  • Existing customers should consider the changes between this Learnset and their existing learnset and update their stacking orders accordingly.

Configuration

Component

 Version
ICEMT Standard ADR Learnset 23.3.10.0

Next Section: ICE Mortgage Analyzers  
  Previous Section: Standard ADE Learnset