Real-estate documents are long, state-specific, and arrive in narrative form.
Closing package complexity
A residential closing packet runs 50–200 pages; commercial closings can exceed 500. Each page extracted manually delays funding and creates a backlog at month-end when volume spikes.
Title exception clearing
Title commitments arrive with Schedule B exceptions in narrative form. Each exception — lien, easement, judgment, encumbrance — requires manual research before clearing-to-close, and the cure pathway varies by state.
Lease portfolio at scale
Property managers and REITs hold thousands of leases with abstracted dates, escalations, renewal options, and CAM/expense recoveries. Spreadsheet abstraction breaks under audit and can't keep up with portfolio churn.
Closings and portfolios, structured. MISMO-aligned out of the box.
Cogneris extracts the full real-estate document stack — closing packages, title commitments, deeds, mortgages, appraisals, inspections, and leases — with state-aware conveyance parsing, Schedule B exception decomposition, and portfolio-grade lease abstraction.
- Closing document indexing — TRID-required disclosures, the deed, mortgage, title commitment, survey, and appraisal indexed as a unified closing package with hyperlinked field-to-source navigation for clearing-to-close.
- Title commitment exception parsing — Schedule B exceptions extracted to structured records — lien type, holder, instrument number, recording date, dollar amount — so cure workflow can be automated.
- Lease abstraction — commercial and residential leases abstracted to key dates, base rent, escalations, options, CAM provisions, and tenant covenants — MISMO and OSCRE-aligned output.
- Appraisal & inspection extraction — comp grids, property characteristics, condition ratings, and inspection findings extracted to underwriting-ready records with photo references preserved.
Built for the documents that drive funding and tenancy.
Real-estate documents arrive in every imaginable shape — purchase agreements, warranty and quitclaim deeds, ALTA settlement statements, Closing Disclosures, title commitments with narrative Schedule B exceptions, surveys, appraisals, inspection reports, HOA bylaws, and lease portfolios that span thousands of properties. Cogneris's real-estate configuration handles the full stack: every document parsed, every exception extracted, every field tracked through the audit trail.
Closing Disclosure parsing
TILA-RESPA-compliant 5-page CD parsed to line-item granularity with loan estimate reconciliation flags surfaced against TRID tolerance thresholds.
Title exception research
Lien, judgment, easement, and CC&R exceptions extracted with cure pathways suggested per state convention, so clearing-to-close moves on a single dashboard.
Lease abstraction at scale
Hundreds of leases processed in parallel, with portfolio-level reporting on rent roll, escalations, and option windows — ready for audit or acquisition diligence.
HOA document indexing
CC&Rs, bylaws, budgets, and reserve studies extracted for HOA estoppels and condo questionnaires (Fannie/Freddie eligibility under Form 1076/1077).
Lives where your closing and portfolio systems already run.
Cogneris integrates with the major title, loan origination, and property-management platforms through published APIs and MISMO data exchanges — so extracted closing-package, appraisal, and lease data flows directly into the systems of record without an intermediate data-entry step.
- Qualia & SoftPro — title and closing platforms ingest extracted closing-package data via published APIs with full document lineage preserved.
- Encompass & Blue Sage — loan origination systems receive parsed appraisal, title, and inspection data on every loan file.
- Yardi, MRI & AppFolio — property management platforms — leases, rent rolls, and HOA documents abstracted into the system of record.
- DocuSign & Notarize — signed closing documents flow back through Cogneris for archive-ready indexing with e-signature provenance tracked.
- MISMO data exchanges — output conforms to MISMO v3.5/v3.6 schemas for lender-to-investor data delivery.
The document types behind every closing and underwriting decision.
Closing packages run hundreds of pages — title commitments, deeds, appraisals, ALTA statements, and underlying contracts. Cogneris parses each into structured fields with full provenance.
For category context, see the IDP buyer's guide, the 2026 State of Document AI report, or estimate ROI at your volume.
- Contract extraction — purchase agreements, leases, and assignment contracts with parties, term, consideration, contingencies, and governing law extracted to a clean object.
- Bank statement extraction — 2- to 3-month statements for cash-flow proof of funds, with transactions, balances, and reserve calculations for underwriting.
- KYC document extraction — government IDs, proof of address, and beneficial-ownership documents for CIP/CDD on every party to a closing.
Common questions.
Does Cogneris handle state-specific deed and title variations?
How accurate is closing document extraction?
Can Cogneris parse commercial leases at scale?
Is Cogneris MISMO-compliant?
What about HOA document processing for Fannie/Freddie eligibility?
How does Cogneris integrate with our title or LOS platform?
Send us a sample closing package or 25 leases. We'll show you what comes out.
Send us a sample closing package or 25 leases. We'll run them through Cogneris and return a structured-extraction report with field-level accuracy and time per document. No commitment.