ComparableVehicle

The CCC-assigned ordinal label for this comparable, exactly as printed on the page (e.g. 'Comp 1', 'Comp 2', ... 'Comp 12'). Appears as a column header in the COMPARABLE VEHICLES top-table OR as a bold row label in the ADDITIONAL COMPARABLE VEHICLES section. Format: verbatim 'Comp N' where N is the 1-based index. Do NOT confuse with the 'Loss Vehicle' column (that is the subject vehicle, not a comparable). Do NOT renumber: use the label printed on the page.

Comp Label

17-character alphanumeric Vehicle Identification Number of the comparable vehicle, verbatim, no spaces or dashes. Located in two places: (a) the right-hand information panel of the COMPARABLE VEHICLES top-table page (e.g. 'VIN 3N1CN8EV2LL870750' under each Comp header), and (b) the 'Vehicle' column block of the ADDITIONAL COMPARABLE VEHICLES rows (e.g. 'VIN: 1HGCV1F3XLA052869'). Preserve uppercase and exact characters; do NOT include the literal 'VIN' / 'VIN:' label. Do NOT confuse with the loss vehicle's VIN listed in the VEHICLE INFORMATION section.

VIN

Model year (4-digit integer, e.g. 2020) of the comparable vehicle, as the first token of the vehicle description (e.g. '2020 Nissan Versa Sv W/continuously Variable Transmission...'). Located in the right-hand info panel of the top-table page or the 'Vehicle' column of the ADDITIONAL COMPARABLE VEHICLES section. Do NOT confuse with the Updated Date year.

Year

Manufacturer / make of the comparable vehicle, verbatim as printed (e.g. 'Nissan', 'GMC', 'Honda'). Typically the second token of the vehicle description string. Do NOT confuse with the model name; do NOT normalize casing (preserve as printed).

Make

Model name of the comparable vehicle, verbatim (e.g. 'Versa', 'Yukon', 'Accord Sedan'). The model is the token(s) after the make and before the trim. Some descriptions concatenate model and trim (e.g. 'Yukon Sle' = model 'Yukon', trim 'Sle'). Do NOT include the trim, body, transmission, engine, or fuel-type tokens here. Preserve casing as printed.

Model

Trim level of the comparable vehicle (e.g. 'SV', 'Sv', 'SLE', 'Sle', 'Sport'), verbatim as the token following the model name in the vehicle description. May be absent if the description does not include a trim. Do NOT confuse with body style ('Sedan'), body type, or transmission. Preserve casing as printed.

Trim

Odometer reading (mileage) of the comparable vehicle, integer, no commas, no units. Two locations: (a) for Comps in the top OPTIONS table the value appears in the 'Odometer' row under the Comp column (e.g. 66,908 -> 66908); (b) for Additional Comparable Vehicles the value appears in the 'Vehicle' column block as 'Odometer: 59,890' -> 59890. Do NOT confuse with the loss vehicle's odometer or with the 'Distance from <city>' miles figure.

Odometer

Listed sale price of the comparable vehicle in US dollars (numeric, no '$', no commas, e.g. 12990.00). Located in the 'List Price' row of the OPTIONS table for Comps 1-3 (top page) OR in the 'Price (List)' column of the ADDITIONAL COMPARABLE VEHICLES section. Some CCC reports show the literal '(List)' suffix; capture only the dollar number. Do NOT confuse with the 'Adjusted Comparable Value' (post-adjustment) or with the loss vehicle's 'Base Vehicle Value'.

List Price

The post-adjustment value of the comparable vehicle in US dollars (numeric, no '$', no commas, e.g. 10986.00). Labeled 'Adjusted Comparable Value' in the green/teal totals row of the OPTIONS table for Comps 1-3, or as the 'Adjusted Comparable Value' column for Additional Comparable Vehicles. This is the value CCC uses to compute the Base Vehicle Value. Do NOT confuse with List Price (pre-adjustment) or with the loss vehicle's Adjusted Vehicle Value.

Adjusted Comparable Value

Source / channel of the comparable vehicle listing, verbatim as printed after the literal label 'Source' (e.g. 'Dealer Ad', 'Autotrader', 'Truecar'). Located on the right-hand info panel of the top page (e.g. 'Source Dealer Ad') and in the leftmost column ('Source: Autotrader') of each Additional Comparable Vehicles row. Do NOT include the 'Source' / 'Source:' label itself.

Source

Name of the dealership / seller offering the comparable vehicle, verbatim as printed after the 'Dealership' label on the top-page right panel (e.g. 'Group 1 Automotive') OR the standalone dealership-name line in Additional Comparable Vehicles (e.g. 'Auto Ride Groups', 'Dch Paramus Honda'). Do NOT include 'Dealership' label, do NOT include the city/state line, telephone, or distance-from line. May be null if the source is a non-dealer aggregator with no dealership shown.

Dealer Name

City of the comparable-vehicle dealership, verbatim as printed before the comma in the dealer-location line (e.g. 'Houston' from 'Houston, TX', or 'New Rochelle' from the 'Distance from New York, NY / 10 Miles - New Rochelle, NY' panel line where the comp's city follows the dash). For top-page comps the city appears at the end of the right-panel block (e.g. '25 Miles - Houston, TX' -> 'Houston'). For Additional Comparable Vehicles the city is the standalone line immediately under the dealer name (e.g. 'Houston, TX' -> 'Houston'). Do NOT include the state, ZIP, or 'Miles From' distance.

Dealer City

Two-letter US state abbreviation for the comparable-vehicle dealership location (e.g. 'TX', 'NJ', 'NY'), verbatim. Appears immediately after the dealer city (e.g. 'Houston, TX' -> 'TX'). Do NOT include the city, ZIP, or distance.

Dealer State

Straight-line distance from the loss vehicle's garaging ZIP to the comparable vehicle's location, integer miles (e.g. 25 from '25 Miles - Houston, TX', or 114 from '114 Miles From Elgin, TX'). Two formats: top-page comps use 'NN Miles - City, ST'; Additional Comparable Vehicles use 'NN Miles From City, ST'. Extract only the integer. Do NOT confuse with odometer mileage.

Distance From Loss Miles

Dealer's stock number for the comparable vehicle, verbatim as printed after the 'Stock #' or 'Stock #:' label (e.g. 'LL870750', '869579', 'P75135'). Preserve as a string (may be alphanumeric, may have leading zeros). Located on the top-page right panel (top comps) or in the 'Vehicle' column block (Additional Comparable Vehicles). May be null if the listing has no stock number printed.

Stock Number

Date the comparable vehicle listing was last updated, in the document's printed MM/DD/YYYY format, verbatim (e.g. '03/17/2026', '04/26/2026'). Located after the 'Updated Date:' label on both the top-page right panel and in the Additional Comparable Vehicles 'Vehicle' column block. Preserve as a string in MM/DD/YYYY. Do NOT confuse with the Loss Incident Date, Claim Reported date, or Last Updated timestamp from the REPORT SUMMARY.

Updated Date

Signed dollar adjustment applied for differences in Make/Model/Trim between the comparable and the loss vehicle, as a signed numeric value (e.g. +575 -> 575.00; -650 -> -650.00). Located in the 'Make/Model/Trim' row of the 'Adjustments:' block under each Comp column on the top OPTIONS-table page. PRESERVE THE SIGN: '+ $ 575' is positive, '- $ 650' is negative. Return null if the row exists but no value is shown for that Comp (CCC leaves blanks when no adjustment applies). Return null for Additional Comparable Vehicles (Comp 4+) which do not show per-line adjustments. Do NOT confuse with Mileage, Options, Package, or Condition adjustments.

Adjustment Make Model Trim

Signed dollar adjustment for the mileage difference between this comparable and the loss vehicle, e.g. '+ $ 1,651' -> 1651.00, '- $ 650' -> -650.00. Located in the 'Mileage' row of the 'Adjustments:' block under each Comp column on the top OPTIONS-table page. PRESERVE THE SIGN. Return null for Additional Comparable Vehicles (no per-line adjustments shown). Do NOT confuse with Make/Model/Trim, Options, Package, or Condition adjustments. Do NOT confuse with the odometer value.

Adjustment Mileage

Signed dollar adjustment for the difference in optional equipment between this comparable and the loss vehicle, e.g. '+ $ 100' -> 100.00, '- $ 1,175' -> -1175.00. Located in the 'Options' row of the 'Adjustments:' block. PRESERVE THE SIGN. Return null when the Options row is absent for this PDF (some reports omit it) or when blank for a particular Comp. Return null for Additional Comparable Vehicles. Do NOT confuse with Make/Model/Trim, Mileage, Package, or Condition adjustments.

Adjustment Options

Signed dollar adjustment for the difference in option packages between this comparable and the loss vehicle, e.g. '- $ 46' -> -46.00. Located in the 'Package' row of the 'Adjustments:' block when present. PRESERVE THE SIGN. Return null when the Package row is absent for this PDF or blank for this Comp. Return null for Additional Comparable Vehicles. Do NOT confuse with Options, Mileage, or Condition adjustments.

Adjustment Package

Signed dollar adjustment to bring the comparable to the loss vehicle's condition baseline, e.g. '- $ 1,354' -> -1354.00, '- $ 2,206' -> -2206.00. Located in the 'Condition' (sometimes printed 'Condition¹' or 'Condition*') row of the 'Adjustments:' block. PRESERVE THE SIGN; CCC condition adjustments are typically negative. Return null for Additional Comparable Vehicles. Do NOT confuse with Mileage, Options, Make/Model/Trim, or Package adjustments.

Adjustment Condition

ComponentCondition

Name of the inspected vehicle component, verbatim as printed in the leftmost cell of a COMPONENT CONDITION row (e.g. 'Seats', 'Carpets', 'Glass', 'Dashboard', 'Headliner', 'Sheet Metal', 'Paint', 'Trim', 'Engine', 'Transmission', 'Tires', 'Front Tires', 'Rear Tires'). Do NOT include the INTERIOR/EXTERIOR/MECHANICAL/TIRES group header rows (those are section labels, not components). Do NOT include the 'Total Condition Adjustments' summary row.

Component Name

Condition grade for the component, verbatim from the 'Condition' column (e.g. 'AVERAGE PRIVATE', 'PRIVATE OWNER', 'GOOD', 'FAIR', 'DEALER'). Some reports stack two words on two lines ('AVERAGE\nPRIVATE') — return them joined with a single space ('AVERAGE PRIVATE'). Preserve casing as printed. Do NOT confuse with the Inspection Notes free-text column.

Condition Rating

Free-text inspection note for the component, verbatim from the 'Inspection Notes' or 'Inspection Notes/Guidelines' column (e.g. 'Lightly soiled, faded and/or discolored.', 'Lt front 3, lt rear 2, rt rear 1, rt front 1=16%'). For 'Guidelines:'-prefixed text, preserve the 'Guideline:' prefix and the full multi-line note. Do NOT confuse with the Condition Rating or the Value Impact dollar figure.

Inspection Notes

Dollar value impact of the component's condition on the vehicle value, signed numeric (e.g. 0 for '$ 0', -94 for '- $ 94', 85 for '$ 85'). Located in the rightmost 'Value Impact' column of the COMPONENT CONDITION table. PRESERVE THE SIGN: '- $ 94' is negative; bare '$ 85' is positive. Do NOT confuse with the Total Condition Adjustments summary at the bottom of the table.

Value Impact

NhtsaRecall

NHTSA recall campaign identifier, verbatim as printed after 'NHTSA Campaign ID :' in the SUPPLEMENTAL INFORMATION > NHTSA VEHICLE RECALL section (e.g. '20V112000', '14V451000', '20V771000'). Preserve casing and digits exactly. Do NOT confuse with the Manufacturer Recall No. (separate field) or with NHTSA report-date.

Campaign ID

Affected vehicle component category for this recall, verbatim after 'Component :' (e.g. 'FUEL SYSTEM, GASOLINE:STORAGE:TANK ASSEMBLY', 'EXTERIOR LIGHTING:TURN SIGNAL:BULBS', 'POWER TRAIN', 'AIR BAGS:SEAT BELTS'). Preserve uppercase. May be null when the recall block omits a Component line. Do NOT confuse with the Summary text.

Component

Manufacturer's report date for this recall, verbatim as printed after "Mfg's Report Date :" (e.g. 'FEB 25, 2020', 'JUL 23, 2014', 'September 8, 2016'). CCC prints this in two casing variants; preserve as printed. Do NOT reformat to numeric date.

Mfg Report Date

CCCMarketValuationReport

CCC-assigned report reference number, verbatim from the 'Report Reference Number' row of the INSURANCE INFORMATION block on page 1 (e.g. '130934803', '130521476 -2', '130762181'). Preserve embedded spaces / dashes / suffixes exactly as printed (do not strip the ' -2' suffix). Do NOT confuse with Claim Reference (separate field), Claim Number, or Mfg Recall ID.

Report Reference Number

Insurer's claim reference / claim number, verbatim from the 'Claim Reference' row of the INSURANCE INFORMATION block (e.g. 'XWRZGPTX-001', '000823098685D01', '32-99H9-33W01'). Also typically echoed in the per-page header beside 'Claim:'. Preserve hyphens, embedded zeros, mixed casing. Do NOT confuse with Report Reference Number (CCC-internal) or with NHTSA Campaign ID.

Claim Reference

Full insurance company name on whose behalf the valuation was prepared, verbatim from the 'Prepared for' subtitle at the top of page 1 (e.g. 'ROOT INSURANCE COMPANY', 'ALLSTATE COUNTY MUTUAL INSURANCE COMPANY', 'STATE FARM INSURANCE COMPANIES'). Preserve uppercase and exact punctuation. Do NOT include the literal 'Prepared for' prefix. Do NOT use the abbreviated form that appears later in the report; use the page-1 'Prepared for' string.

Insurance Company

Name of the loss vehicle owner, verbatim from the 'Owner' row of CLAIM INFORMATION on page 1 (e.g. 'Williams, Syria', 'Ramirez, Ivonne Olivares', 'Smith, Elizabeth'). Preserve 'Last, First [Middle]' order exactly as printed. Do NOT include the multi-line street address (separate field). Do NOT confuse with the adjuster or appraiser names from INSURANCE INFORMATION.

Owner Name

Loss-vehicle owner's mailing address from the 'Owner' row of CLAIM INFORMATION, including street, city, state, and ZIP, joined with a single space (e.g. '4122 Soaring Elm St Humble, TX 77346-4702'). On the PDF this appears as two or three stacked lines beneath the owner's name. Concatenate the stacked lines using single spaces; preserve internal punctuation and ZIP+4 dashes. Do NOT include the owner's name. Do NOT use the 'Location' from VEHICLE DETAILS (which only has city/state/ZIP).

Owner Address

17-character VIN of the loss (subject) vehicle, verbatim from the 'VIN' row of VEHICLE INFORMATION > VEHICLE DETAILS (e.g. '3N1CN8EV1LL901762', '1GKS1AKC5FR705629', '1HGCV2F30LA023600'). Uppercase, no spaces or dashes. Do NOT confuse with the VINs of comparable vehicles (those go in comparable_vehicles[].vin).

Loss Vehicle VIN

Model year of the loss vehicle, integer (e.g. 2020, 2015), from the 'Year' row of VEHICLE DETAILS or the first token of the 'Loss Vehicle' string in CLAIM INFORMATION. Use the 'Year' row when both are present.

Loss Vehicle Year

Make of the loss vehicle, verbatim from the 'Make' row of VEHICLE DETAILS (e.g. 'Nissan', 'GMC', 'Honda'). Preserve casing as printed. Do NOT include model/trim.

Loss Vehicle Make

Model of the loss vehicle, verbatim from the 'Model' row of VEHICLE DETAILS (e.g. 'Versa', 'Yukon', 'Accord Sedan'). Some reports use a multi-word model ('Accord Sedan'); include all tokens of the Model row. Do NOT include the trim.

Loss Vehicle Model

Trim level of the loss vehicle, verbatim from the 'Trim' row of VEHICLE DETAILS (e.g. 'SV', 'SLE', 'Sport'). Preserve casing exactly as printed. May be null if the Trim row is absent.

Loss Vehicle Trim

Body type of the loss vehicle, verbatim from the 'Body Type' row of VEHICLE DETAILS (e.g. 'Sedan', 'Sports Utility'). Do NOT confuse with 'Body Style' (which captures the powertrain descriptor like 'w/Continuously Variable Transmission' or 'Automatic').

Loss Vehicle Body Type

Odometer reading of the loss vehicle in miles, integer, no commas (e.g. 78294, 143710, 77373). Sourced from the 'Odometer' row of INSURANCE INFORMATION on page 1 OR the 'Odometer' row of VEHICLE EQUIPMENT (page 4-5). When both appear they will match; use either. Do NOT confuse with comparable vehicles' odometers or with the 'Distance from <city>' miles.

Loss Vehicle Odometer

Date the loss / accident occurred, verbatim in MM/DD/YYYY format from the 'Loss Incident Date' row of CLAIM INFORMATION (e.g. '03/19/2026', '03/27/2026', '04/16/2026'). Preserve the printed MM/DD/YYYY string. Do NOT confuse with 'Claim Reported' (when the claim was filed) or with 'Last Updated' (when the valuation was last edited).

Loss Incident Date

Date the insurer was notified of the claim, MM/DD/YYYY, verbatim from the 'Claim Reported' row of CLAIM INFORMATION (e.g. '04/29/2026'). Do NOT confuse with Loss Incident Date or with the Last Updated timestamp.

Claim Reported Date

Base Vehicle Value computed by CCC, in US dollars, numeric, no '$' or commas (e.g. 11143.00, 11159.00, 17532.00). Located in the VALUATION SUMMARY block on page 1, labeled 'Base Vehicle Value'. This is the pre-condition-adjustment value derived from the weighted average of the Adjusted Comparable Values. Do NOT confuse with Adjusted Vehicle Value (after condition adjustments), Total, or any Comp's Adjusted Comparable Value.

Base Vehicle Value

Total condition adjustment applied to the Base Vehicle Value, signed numeric in US dollars (e.g. -94.00 for '- $ 94', 170.00 for '+ $ 170'). Located in the VALUATION SUMMARY block on page 1, labeled 'Condition Adjustment'. Sign convention: positive when CCC adds value, negative when CCC subtracts. Should equal the 'Total Condition Adjustments' row at the bottom of the COMPONENT CONDITION table. Return null when the row is absent. Do NOT confuse with per-Comp condition adjustments.

Condition Adjustment

Adjusted Vehicle Value after condition adjustments, in US dollars, numeric (e.g. 11049.00, 11162.69, 17532.00). Located in the VALUATION SUMMARY block on page 1, labeled 'Adjusted Vehicle Value'. Do NOT confuse with Base Vehicle Value (pre-adjustment) or Total (post tax/fees/deductible).

Adjusted Vehicle Value

Vehicular / sales tax dollar amount, positive numeric (e.g. 697.67 for '+ $ 697.67', 1555.97 for '+ $ 1,555.97'). Located in VALUATION SUMMARY on page 1, on the line labeled 'Vehicular Tax (X.XX%)' or 'Vehicular Tax' or 'Tax'. Return null when the report has no tax line (e.g. PDF 0004). Do NOT include the percentage. Do NOT confuse with title/registration fees.

Vehicular Tax

Title, registration, and other fees total in US dollars, signed numeric (e.g. 35.50 for '+ $ 35.50'). Located in VALUATION SUMMARY on page 1 ('Title, Registration and Other Fees') and detailed in the TITLE, REGISTRATION AND OTHER FEES section. Return null when the row is absent (PDF 0004, PDF 0009). Do NOT confuse with Vehicular Tax or Deductible.

Title Registration Fees

Insurance deductible applied to compute the final settlement Total, signed numeric (e.g. -250.00 for '- $ 250.00', -1000.00 for '- $ 1,000.00'). Located in VALUATION SUMMARY on page 1, labeled 'Deductible*'. Sign convention: negative because it is subtracted. Return null when absent (PDF 0004). Do NOT confuse with Condition Adjustment.

Deductible

Final 'Total' dollar amount printed in the green/teal highlighted Total row of the VALUATION SUMMARY on page 1 (e.g. 11049.00, 11645.86, 18087.97). This is the settlement total CCC computes after taxes, fees, and deductible. Do NOT confuse with Adjusted Vehicle Value, Base Vehicle Value, or Value before Deductible.

Total Settlement

ORDERED list of EVERY comparable vehicle CCC used to determine the Base Vehicle Value. The COMPARABLE VEHICLES section spans (a) a top OPTIONS table for Comps 1-3 (one column per Comp, full per-option checkbox match, list price, and adjustments), and (b) one or more ADDITIONAL COMPARABLE VEHICLES summary pages for Comps 4 through N. INCLUDE every numbered Comp (e.g. Comp 1, Comp 2, ..., Comp 9 in PDF 0004; Comp 1..Comp 7 in PDF 0008; Comp 1..Comp 12 in PDF 0009). Each Comp has its own VIN; deduplicate by VIN. Preserve the order in which CCC numbers them (Comp 1 first). Do NOT include the Loss Vehicle column (it is the subject vehicle, not a comparable). Do NOT include the 'Adjusted Comparable Value' summary row as a Comp.

Comparable Vehicles

Ordered list of EVERY per-component condition row from the COMPONENT CONDITION table in the VEHICLE CONDITION section. Each row covers one component (Seats, Carpets, Glass, Dashboard, Headliner, Sheet Metal, Paint, Trim, Engine, Transmission, Tires OR Front Tires + Rear Tires) with its condition rating, inspection note, and value impact. EXCLUDE the section header rows ('INTERIOR', 'EXTERIOR', 'MECHANICAL', 'TIRES'). EXCLUDE the 'Total Condition Adjustments' summary row (use the top-level condition_adjustment field for that).

Component Conditions

Ordered list of EVERY NHTSA recall block printed in the SUPPLEMENTAL INFORMATION > NHTSA VEHICLE RECALL section. Each block is delimited by a horizontal rule and begins with 'NHTSA Campaign ID :'. The recall count printed in the right-hand callout (e.g. 'has issued 2 / 10 / 4 safety related recall notices') indicates the total to expect. Return an empty list if the recall section is absent.

Nhtsa Recalls

Each entry is one comparable vehicle CCC used (or summarized) for the Base Vehicle Value computation. Uniquely identified by VIN within a single report.

Comparable Vehicles

Each entry is one inspected vehicle component row from the COMPONENT CONDITION table.

Component Conditions

Each entry is one NHTSA recall block in the SUPPLEMENTAL INFORMATION section.

Nhtsa Recalls


ComparableVehicle

The CCC-assigned ordinal label for this comparable, exactly as printed on the page (e.g. 'Comp 1', 'Comp 2', ... 'Comp 12'). Appears as a column header in the COMPARABLE VEHICLES top-table OR as a bold row label in the ADDITIONAL COMPARABLE VEHICLES section. Format: verbatim 'Comp N' where N is the 1-based index. Do NOT confuse with the 'Loss Vehicle' column (that is the subject vehicle, not a comparable). Do NOT renumber: use the label printed on the page.

Comp Label

17-character alphanumeric Vehicle Identification Number of the comparable vehicle, verbatim, no spaces or dashes. Located in two places: (a) the right-hand information panel of the COMPARABLE VEHICLES top-table page (e.g. 'VIN 3N1CN8EV2LL870750' under each Comp header), and (b) the 'Vehicle' column block of the ADDITIONAL COMPARABLE VEHICLES rows (e.g. 'VIN: 1HGCV1F3XLA052869'). Preserve uppercase and exact characters; do NOT include the literal 'VIN' / 'VIN:' label. Do NOT confuse with the loss vehicle's VIN listed in the VEHICLE INFORMATION section.

VIN

Model year (4-digit integer, e.g. 2020) of the comparable vehicle, as the first token of the vehicle description (e.g. '2020 Nissan Versa Sv W/continuously Variable Transmission...'). Located in the right-hand info panel of the top-table page or the 'Vehicle' column of the ADDITIONAL COMPARABLE VEHICLES section. Do NOT confuse with the Updated Date year.

Year

Manufacturer / make of the comparable vehicle, verbatim as printed (e.g. 'Nissan', 'GMC', 'Honda'). Typically the second token of the vehicle description string. Do NOT confuse with the model name; do NOT normalize casing (preserve as printed).

Make

Model name of the comparable vehicle, verbatim (e.g. 'Versa', 'Yukon', 'Accord Sedan'). The model is the token(s) after the make and before the trim. Some descriptions concatenate model and trim (e.g. 'Yukon Sle' = model 'Yukon', trim 'Sle'). Do NOT include the trim, body, transmission, engine, or fuel-type tokens here. Preserve casing as printed.

Model

Trim level of the comparable vehicle (e.g. 'SV', 'Sv', 'SLE', 'Sle', 'Sport'), verbatim as the token following the model name in the vehicle description. May be absent if the description does not include a trim. Do NOT confuse with body style ('Sedan'), body type, or transmission. Preserve casing as printed.

Trim

Odometer reading (mileage) of the comparable vehicle, integer, no commas, no units. Two locations: (a) for Comps in the top OPTIONS table the value appears in the 'Odometer' row under the Comp column (e.g. 66,908 -> 66908); (b) for Additional Comparable Vehicles the value appears in the 'Vehicle' column block as 'Odometer: 59,890' -> 59890. Do NOT confuse with the loss vehicle's odometer or with the 'Distance from <city>' miles figure.

Odometer

Listed sale price of the comparable vehicle in US dollars (numeric, no '$', no commas, e.g. 12990.00). Located in the 'List Price' row of the OPTIONS table for Comps 1-3 (top page) OR in the 'Price (List)' column of the ADDITIONAL COMPARABLE VEHICLES section. Some CCC reports show the literal '(List)' suffix; capture only the dollar number. Do NOT confuse with the 'Adjusted Comparable Value' (post-adjustment) or with the loss vehicle's 'Base Vehicle Value'.

List Price

The post-adjustment value of the comparable vehicle in US dollars (numeric, no '$', no commas, e.g. 10986.00). Labeled 'Adjusted Comparable Value' in the green/teal totals row of the OPTIONS table for Comps 1-3, or as the 'Adjusted Comparable Value' column for Additional Comparable Vehicles. This is the value CCC uses to compute the Base Vehicle Value. Do NOT confuse with List Price (pre-adjustment) or with the loss vehicle's Adjusted Vehicle Value.

Adjusted Comparable Value

Source / channel of the comparable vehicle listing, verbatim as printed after the literal label 'Source' (e.g. 'Dealer Ad', 'Autotrader', 'Truecar'). Located on the right-hand info panel of the top page (e.g. 'Source Dealer Ad') and in the leftmost column ('Source: Autotrader') of each Additional Comparable Vehicles row. Do NOT include the 'Source' / 'Source:' label itself.

Source

Name of the dealership / seller offering the comparable vehicle, verbatim as printed after the 'Dealership' label on the top-page right panel (e.g. 'Group 1 Automotive') OR the standalone dealership-name line in Additional Comparable Vehicles (e.g. 'Auto Ride Groups', 'Dch Paramus Honda'). Do NOT include 'Dealership' label, do NOT include the city/state line, telephone, or distance-from line. May be null if the source is a non-dealer aggregator with no dealership shown.

Dealer Name

City of the comparable-vehicle dealership, verbatim as printed before the comma in the dealer-location line (e.g. 'Houston' from 'Houston, TX', or 'New Rochelle' from the 'Distance from New York, NY / 10 Miles - New Rochelle, NY' panel line where the comp's city follows the dash). For top-page comps the city appears at the end of the right-panel block (e.g. '25 Miles - Houston, TX' -> 'Houston'). For Additional Comparable Vehicles the city is the standalone line immediately under the dealer name (e.g. 'Houston, TX' -> 'Houston'). Do NOT include the state, ZIP, or 'Miles From' distance.

Dealer City

Two-letter US state abbreviation for the comparable-vehicle dealership location (e.g. 'TX', 'NJ', 'NY'), verbatim. Appears immediately after the dealer city (e.g. 'Houston, TX' -> 'TX'). Do NOT include the city, ZIP, or distance.

Dealer State

Straight-line distance from the loss vehicle's garaging ZIP to the comparable vehicle's location, integer miles (e.g. 25 from '25 Miles - Houston, TX', or 114 from '114 Miles From Elgin, TX'). Two formats: top-page comps use 'NN Miles - City, ST'; Additional Comparable Vehicles use 'NN Miles From City, ST'. Extract only the integer. Do NOT confuse with odometer mileage.

Distance From Loss Miles

Dealer's stock number for the comparable vehicle, verbatim as printed after the 'Stock #' or 'Stock #:' label (e.g. 'LL870750', '869579', 'P75135'). Preserve as a string (may be alphanumeric, may have leading zeros). Located on the top-page right panel (top comps) or in the 'Vehicle' column block (Additional Comparable Vehicles). May be null if the listing has no stock number printed.

Stock Number

Date the comparable vehicle listing was last updated, in the document's printed MM/DD/YYYY format, verbatim (e.g. '03/17/2026', '04/26/2026'). Located after the 'Updated Date:' label on both the top-page right panel and in the Additional Comparable Vehicles 'Vehicle' column block. Preserve as a string in MM/DD/YYYY. Do NOT confuse with the Loss Incident Date, Claim Reported date, or Last Updated timestamp from the REPORT SUMMARY.

Updated Date

Signed dollar adjustment applied for differences in Make/Model/Trim between the comparable and the loss vehicle, as a signed numeric value (e.g. +575 -> 575.00; -650 -> -650.00). Located in the 'Make/Model/Trim' row of the 'Adjustments:' block under each Comp column on the top OPTIONS-table page. PRESERVE THE SIGN: '+ $ 575' is positive, '- $ 650' is negative. Return null if the row exists but no value is shown for that Comp (CCC leaves blanks when no adjustment applies). Return null for Additional Comparable Vehicles (Comp 4+) which do not show per-line adjustments. Do NOT confuse with Mileage, Options, Package, or Condition adjustments.

Adjustment Make Model Trim

Signed dollar adjustment for the mileage difference between this comparable and the loss vehicle, e.g. '+ $ 1,651' -> 1651.00, '- $ 650' -> -650.00. Located in the 'Mileage' row of the 'Adjustments:' block under each Comp column on the top OPTIONS-table page. PRESERVE THE SIGN. Return null for Additional Comparable Vehicles (no per-line adjustments shown). Do NOT confuse with Make/Model/Trim, Options, Package, or Condition adjustments. Do NOT confuse with the odometer value.

Adjustment Mileage

Signed dollar adjustment for the difference in optional equipment between this comparable and the loss vehicle, e.g. '+ $ 100' -> 100.00, '- $ 1,175' -> -1175.00. Located in the 'Options' row of the 'Adjustments:' block. PRESERVE THE SIGN. Return null when the Options row is absent for this PDF (some reports omit it) or when blank for a particular Comp. Return null for Additional Comparable Vehicles. Do NOT confuse with Make/Model/Trim, Mileage, Package, or Condition adjustments.

Adjustment Options

Signed dollar adjustment for the difference in option packages between this comparable and the loss vehicle, e.g. '- $ 46' -> -46.00. Located in the 'Package' row of the 'Adjustments:' block when present. PRESERVE THE SIGN. Return null when the Package row is absent for this PDF or blank for this Comp. Return null for Additional Comparable Vehicles. Do NOT confuse with Options, Mileage, or Condition adjustments.

Adjustment Package

Signed dollar adjustment to bring the comparable to the loss vehicle's condition baseline, e.g. '- $ 1,354' -> -1354.00, '- $ 2,206' -> -2206.00. Located in the 'Condition' (sometimes printed 'Condition¹' or 'Condition*') row of the 'Adjustments:' block. PRESERVE THE SIGN; CCC condition adjustments are typically negative. Return null for Additional Comparable Vehicles. Do NOT confuse with Mileage, Options, Make/Model/Trim, or Package adjustments.

Adjustment Condition

ComponentCondition

Name of the inspected vehicle component, verbatim as printed in the leftmost cell of a COMPONENT CONDITION row (e.g. 'Seats', 'Carpets', 'Glass', 'Dashboard', 'Headliner', 'Sheet Metal', 'Paint', 'Trim', 'Engine', 'Transmission', 'Tires', 'Front Tires', 'Rear Tires'). Do NOT include the INTERIOR/EXTERIOR/MECHANICAL/TIRES group header rows (those are section labels, not components). Do NOT include the 'Total Condition Adjustments' summary row.

Component Name

Condition grade for the component, verbatim from the 'Condition' column (e.g. 'AVERAGE PRIVATE', 'PRIVATE OWNER', 'GOOD', 'FAIR', 'DEALER'). Some reports stack two words on two lines ('AVERAGE\nPRIVATE') — return them joined with a single space ('AVERAGE PRIVATE'). Preserve casing as printed. Do NOT confuse with the Inspection Notes free-text column.

Condition Rating

Free-text inspection note for the component, verbatim from the 'Inspection Notes' or 'Inspection Notes/Guidelines' column (e.g. 'Lightly soiled, faded and/or discolored.', 'Lt front 3, lt rear 2, rt rear 1, rt front 1=16%'). For 'Guidelines:'-prefixed text, preserve the 'Guideline:' prefix and the full multi-line note. Do NOT confuse with the Condition Rating or the Value Impact dollar figure.

Inspection Notes

Dollar value impact of the component's condition on the vehicle value, signed numeric (e.g. 0 for '$ 0', -94 for '- $ 94', 85 for '$ 85'). Located in the rightmost 'Value Impact' column of the COMPONENT CONDITION table. PRESERVE THE SIGN: '- $ 94' is negative; bare '$ 85' is positive. Do NOT confuse with the Total Condition Adjustments summary at the bottom of the table.

Value Impact

NhtsaRecall

NHTSA recall campaign identifier, verbatim as printed after 'NHTSA Campaign ID :' in the SUPPLEMENTAL INFORMATION > NHTSA VEHICLE RECALL section (e.g. '20V112000', '14V451000', '20V771000'). Preserve casing and digits exactly. Do NOT confuse with the Manufacturer Recall No. (separate field) or with NHTSA report-date.

Campaign ID

Affected vehicle component category for this recall, verbatim after 'Component :' (e.g. 'FUEL SYSTEM, GASOLINE:STORAGE:TANK ASSEMBLY', 'EXTERIOR LIGHTING:TURN SIGNAL:BULBS', 'POWER TRAIN', 'AIR BAGS:SEAT BELTS'). Preserve uppercase. May be null when the recall block omits a Component line. Do NOT confuse with the Summary text.

Component

Manufacturer's report date for this recall, verbatim as printed after "Mfg's Report Date :" (e.g. 'FEB 25, 2020', 'JUL 23, 2014', 'September 8, 2016'). CCC prints this in two casing variants; preserve as printed. Do NOT reformat to numeric date.

Mfg Report Date

CCCMarketValuationReport

CCC-assigned report reference number, verbatim from the 'Report Reference Number' row of the INSURANCE INFORMATION block on page 1 (e.g. '130934803', '130521476 -2', '130762181'). Preserve embedded spaces / dashes / suffixes exactly as printed (do not strip the ' -2' suffix). Do NOT confuse with Claim Reference (separate field), Claim Number, or Mfg Recall ID.

Report Reference Number

Insurer's claim reference / claim number, verbatim from the 'Claim Reference' row of the INSURANCE INFORMATION block (e.g. 'XWRZGPTX-001', '000823098685D01', '32-99H9-33W01'). Also typically echoed in the per-page header beside 'Claim:'. Preserve hyphens, embedded zeros, mixed casing. Do NOT confuse with Report Reference Number (CCC-internal) or with NHTSA Campaign ID.

Claim Reference

Full insurance company name on whose behalf the valuation was prepared, verbatim from the 'Prepared for' subtitle at the top of page 1 (e.g. 'ROOT INSURANCE COMPANY', 'ALLSTATE COUNTY MUTUAL INSURANCE COMPANY', 'STATE FARM INSURANCE COMPANIES'). Preserve uppercase and exact punctuation. Do NOT include the literal 'Prepared for' prefix. Do NOT use the abbreviated form that appears later in the report; use the page-1 'Prepared for' string.

Insurance Company

Name of the loss vehicle owner, verbatim from the 'Owner' row of CLAIM INFORMATION on page 1 (e.g. 'Williams, Syria', 'Ramirez, Ivonne Olivares', 'Smith, Elizabeth'). Preserve 'Last, First [Middle]' order exactly as printed. Do NOT include the multi-line street address (separate field). Do NOT confuse with the adjuster or appraiser names from INSURANCE INFORMATION.

Owner Name

Loss-vehicle owner's mailing address from the 'Owner' row of CLAIM INFORMATION, including street, city, state, and ZIP, joined with a single space (e.g. '4122 Soaring Elm St Humble, TX 77346-4702'). On the PDF this appears as two or three stacked lines beneath the owner's name. Concatenate the stacked lines using single spaces; preserve internal punctuation and ZIP+4 dashes. Do NOT include the owner's name. Do NOT use the 'Location' from VEHICLE DETAILS (which only has city/state/ZIP).

Owner Address

17-character VIN of the loss (subject) vehicle, verbatim from the 'VIN' row of VEHICLE INFORMATION > VEHICLE DETAILS (e.g. '3N1CN8EV1LL901762', '1GKS1AKC5FR705629', '1HGCV2F30LA023600'). Uppercase, no spaces or dashes. Do NOT confuse with the VINs of comparable vehicles (those go in comparable_vehicles[].vin).

Loss Vehicle VIN

Model year of the loss vehicle, integer (e.g. 2020, 2015), from the 'Year' row of VEHICLE DETAILS or the first token of the 'Loss Vehicle' string in CLAIM INFORMATION. Use the 'Year' row when both are present.

Loss Vehicle Year

Make of the loss vehicle, verbatim from the 'Make' row of VEHICLE DETAILS (e.g. 'Nissan', 'GMC', 'Honda'). Preserve casing as printed. Do NOT include model/trim.

Loss Vehicle Make

Model of the loss vehicle, verbatim from the 'Model' row of VEHICLE DETAILS (e.g. 'Versa', 'Yukon', 'Accord Sedan'). Some reports use a multi-word model ('Accord Sedan'); include all tokens of the Model row. Do NOT include the trim.

Loss Vehicle Model

Trim level of the loss vehicle, verbatim from the 'Trim' row of VEHICLE DETAILS (e.g. 'SV', 'SLE', 'Sport'). Preserve casing exactly as printed. May be null if the Trim row is absent.

Loss Vehicle Trim

Body type of the loss vehicle, verbatim from the 'Body Type' row of VEHICLE DETAILS (e.g. 'Sedan', 'Sports Utility'). Do NOT confuse with 'Body Style' (which captures the powertrain descriptor like 'w/Continuously Variable Transmission' or 'Automatic').

Loss Vehicle Body Type

Odometer reading of the loss vehicle in miles, integer, no commas (e.g. 78294, 143710, 77373). Sourced from the 'Odometer' row of INSURANCE INFORMATION on page 1 OR the 'Odometer' row of VEHICLE EQUIPMENT (page 4-5). When both appear they will match; use either. Do NOT confuse with comparable vehicles' odometers or with the 'Distance from <city>' miles.

Loss Vehicle Odometer

Date the loss / accident occurred, verbatim in MM/DD/YYYY format from the 'Loss Incident Date' row of CLAIM INFORMATION (e.g. '03/19/2026', '03/27/2026', '04/16/2026'). Preserve the printed MM/DD/YYYY string. Do NOT confuse with 'Claim Reported' (when the claim was filed) or with 'Last Updated' (when the valuation was last edited).

Loss Incident Date

Date the insurer was notified of the claim, MM/DD/YYYY, verbatim from the 'Claim Reported' row of CLAIM INFORMATION (e.g. '04/29/2026'). Do NOT confuse with Loss Incident Date or with the Last Updated timestamp.

Claim Reported Date

Base Vehicle Value computed by CCC, in US dollars, numeric, no '$' or commas (e.g. 11143.00, 11159.00, 17532.00). Located in the VALUATION SUMMARY block on page 1, labeled 'Base Vehicle Value'. This is the pre-condition-adjustment value derived from the weighted average of the Adjusted Comparable Values. Do NOT confuse with Adjusted Vehicle Value (after condition adjustments), Total, or any Comp's Adjusted Comparable Value.

Base Vehicle Value

Total condition adjustment applied to the Base Vehicle Value, signed numeric in US dollars (e.g. -94.00 for '- $ 94', 170.00 for '+ $ 170'). Located in the VALUATION SUMMARY block on page 1, labeled 'Condition Adjustment'. Sign convention: positive when CCC adds value, negative when CCC subtracts. Should equal the 'Total Condition Adjustments' row at the bottom of the COMPONENT CONDITION table. Return null when the row is absent. Do NOT confuse with per-Comp condition adjustments.

Condition Adjustment

Adjusted Vehicle Value after condition adjustments, in US dollars, numeric (e.g. 11049.00, 11162.69, 17532.00). Located in the VALUATION SUMMARY block on page 1, labeled 'Adjusted Vehicle Value'. Do NOT confuse with Base Vehicle Value (pre-adjustment) or Total (post tax/fees/deductible).

Adjusted Vehicle Value

Vehicular / sales tax dollar amount, positive numeric (e.g. 697.67 for '+ $ 697.67', 1555.97 for '+ $ 1,555.97'). Located in VALUATION SUMMARY on page 1, on the line labeled 'Vehicular Tax (X.XX%)' or 'Vehicular Tax' or 'Tax'. Return null when the report has no tax line (e.g. PDF 0004). Do NOT include the percentage. Do NOT confuse with title/registration fees.

Vehicular Tax

Title, registration, and other fees total in US dollars, signed numeric (e.g. 35.50 for '+ $ 35.50'). Located in VALUATION SUMMARY on page 1 ('Title, Registration and Other Fees') and detailed in the TITLE, REGISTRATION AND OTHER FEES section. Return null when the row is absent (PDF 0004, PDF 0009). Do NOT confuse with Vehicular Tax or Deductible.

Title Registration Fees

Insurance deductible applied to compute the final settlement Total, signed numeric (e.g. -250.00 for '- $ 250.00', -1000.00 for '- $ 1,000.00'). Located in VALUATION SUMMARY on page 1, labeled 'Deductible*'. Sign convention: negative because it is subtracted. Return null when absent (PDF 0004). Do NOT confuse with Condition Adjustment.

Deductible

Final 'Total' dollar amount printed in the green/teal highlighted Total row of the VALUATION SUMMARY on page 1 (e.g. 11049.00, 11645.86, 18087.97). This is the settlement total CCC computes after taxes, fees, and deductible. Do NOT confuse with Adjusted Vehicle Value, Base Vehicle Value, or Value before Deductible.

Total Settlement

ORDERED list of EVERY comparable vehicle CCC used to determine the Base Vehicle Value. The COMPARABLE VEHICLES section spans (a) a top OPTIONS table for Comps 1-3 (one column per Comp, full per-option checkbox match, list price, and adjustments), and (b) one or more ADDITIONAL COMPARABLE VEHICLES summary pages for Comps 4 through N. INCLUDE every numbered Comp (e.g. Comp 1, Comp 2, ..., Comp 9 in PDF 0004; Comp 1..Comp 7 in PDF 0008; Comp 1..Comp 12 in PDF 0009). Each Comp has its own VIN; deduplicate by VIN. Preserve the order in which CCC numbers them (Comp 1 first). Do NOT include the Loss Vehicle column (it is the subject vehicle, not a comparable). Do NOT include the 'Adjusted Comparable Value' summary row as a Comp.

Comparable Vehicles

Ordered list of EVERY per-component condition row from the COMPONENT CONDITION table in the VEHICLE CONDITION section. Each row covers one component (Seats, Carpets, Glass, Dashboard, Headliner, Sheet Metal, Paint, Trim, Engine, Transmission, Tires OR Front Tires + Rear Tires) with its condition rating, inspection note, and value impact. EXCLUDE the section header rows ('INTERIOR', 'EXTERIOR', 'MECHANICAL', 'TIRES'). EXCLUDE the 'Total Condition Adjustments' summary row (use the top-level condition_adjustment field for that).

Component Conditions

Ordered list of EVERY NHTSA recall block printed in the SUPPLEMENTAL INFORMATION > NHTSA VEHICLE RECALL section. Each block is delimited by a horizontal rule and begins with 'NHTSA Campaign ID :'. The recall count printed in the right-hand callout (e.g. 'has issued 2 / 10 / 4 safety related recall notices') indicates the total to expect. Return an empty list if the recall section is absent.

Nhtsa Recalls

Back row seats and driver head rest missing. Staining on driver's seat bottom and passenger seat bottom.

Staining in driver's area at right side near gas pedal. Both front door panels and left rear have staining. Left rear area is stained.

Numerous spots on headliner toward right rear.

Sun damaged headlamps and left side body side moldings are scratched.

Scratches on left quarter panel and driver's side front and rear doors.

Significant dirt and grease in engine compartment.

Owner Nash, Vickie
Saint Louis, MO 63125

Location SAINT LOUIS,  MO  63125
VIN JTEHH20V326066668
Year 2002
Make Toyota
Model RAV4
Body Style Automatic 4WD
Body Type Sports Utility

Base Vehicle Value $ 6,284.00
Condition Adjustment - $ 496.00
Adjusted Vehicle Value $ 5,788.00

Numerous spots on headliner toward right rear.

Sun damaged headlamps and left side body side moldings are scratched.

Significant dirt and grease in engine compartment.

Each entry is one comparable vehicle CCC used (or summarized) for the Base Vehicle Value computation. Uniquely identified by VIN within a single report.

Comparable Vehicles

Each entry is one inspected vehicle component row from the COMPONENT CONDITION table.

Component Conditions

Each entry is one NHTSA recall block in the SUPPLEMENTAL INFORMATION section.

Nhtsa Recalls


Structural extraction of every numeric data TABLE (cross-tabulation / pivot) printed on a U.S. Census Bureau Statistical Abstract page. The page is statistical tables, NOT prose. Capture each table as a generic pivot: ordered leaf column headers captured once, then one row per stub line with a positional value array aligned to those columns. Preserve printed null markers verbatim. Extract EVERY value cell — do not leave a cell null unless the page itself shows it blank.

One entry per distinct titled data table on the page (a page may contain 2+ tables, e.g. 'Table 1' and 'Table 2'). Include every numbered/titled statistical table. Do NOT include the page header/footer, source notes, or footnote-definition lines as tables. If one printed table contains two side-by-side panels with DIFFERENT column structures (a genuinely different sub-table to its right), emit them as two entries with the SAME table_number (the second is a continuation).

The printed table identifier exactly as shown, digits only without the word 'Table' (e.g. for 'Table 34.' return '34'). Label aliases: 'Table N.', 'TABLE N'. Do NOT confuse with the page number (bottom corner) or a footnote superscript. Null if the table is untitled.

The full printed title text of the table, verbatim, minus the leading 'Table N.' prefix (e.g. 'Persons 65 Years Old and Over—Characteristics by Sex: 1990 to 2010'). Do NOT include the bracketed [headnote] that follows the title.

The ordered list of LEAF (bottom-most) data-column labels, left to right, EXCLUDING the leftmost stub column that holds the row labels. RULES (apply exactly, for determinism): (1) The leftmost column is the STUB / row-identifier column (its cells are entity/period names like a Year, State, Age group, or income bracket) — it is NEVER a column_header; it becomes row_label. Do NOT emit it as a value column. (2) Multi-level header: join the SPANNING (top, group) label FIRST, then the LEAF (lower) sub-label, with ' / ' (e.g. spanning 'Number of families (1,000)' over leaf 'White alone' -> 'Number of families (1,000) / White alone'; spanning 'Male' over leaf '1990' -> 'Male / 1990'). Always outer-then-inner, never reversed. Use each printed label verbatim. (3) SIDE-BY-SIDE REPEATED PANELS: if the page prints the SAME column set twice side by side to save space (e.g. a 'Year | ...' block on the left and an identical 'Year | ...' block on the right, each covering different row entities), treat it as ONE logical table: emit the column set ONCE here, and append the right panel's entities as additional rows below the left panel's rows. (4) The length of this array MUST equal the number of value cells in every data row.

One entry per data row (stub line) of the table, in printed top-to-bottom order. INCLUDE section-total rows and category rows that carry values. EXCLUDE pure section-heading lines that have a label but NO values in any column (e.g. 'PERCENT DISTRIBUTION', 'Marital status:') — those are headings, not data rows. For side-by-side repeated panels (see column_headers rule 3), list the left panel's rows first, then the right panel's rows.

The leftmost stub-cell text for this row, verbatim, with trailing dot-leaders and trailing footnote superscripts removed (e.g. 'Never married....  2' -> 'Never married'; 'All families 1' -> 'All families'). Preserve internal wording as printed. This is the identity_key for the row within its table; it must be the printed entity/period name (Year, State, income bracket, category), NOT a value.

The data cell values for this row, left to right, one entry per column_headers entry (same length, same order). Each value is the printed cell content verbatim as a string, INCLUDING thousands separators/commas exactly as printed (e.g. '180,671') and including a printed null marker verbatim if the cell shows one (e.g. '(NA)' = not available, '(X)' = not applicable, '-' = zero/none). Strip a leading footnote superscript that prefixes a number. Provide a value for EVERY column of the row — only use JSON null when the cell is genuinely blank on the page (NOT when you are merely unsure).

Resident population / Per square mile of land area

Resident population / Increase over preceding census / Number

Resident population / Increase over preceding census / Percent

Resident population, plus Armed Forces overseas / Population

Resident population, plus Armed Forces overseas / Percent change


Persons 65 Years Old and Over—Characteristics by Sex: 1990 to 2010

Total / 1990
Total / 2000
Total / 2005
Total / 2010
Male / 1990
Male / 2000
Male / 2005
Male / 2010
Female / 1990
Female / 2000
Female / 2005
Female / 2010

Completed 9th to 12th grade, but no high school diploma

Persons 65 Years and Over—Living Arrangements and Disability Status: 2009

Total
65 to 74 years old
75 years old and over


Poverty Thresholds by Size of Family Unit: 1980 to 2009

People Below Poverty Level and Below 125 Percent of Poverty Level by Race and Hispanic Origin: 1980 to 2009

Number of persons below poverty (1,000) / All races

Number of persons below poverty (1,000) / White

Number of persons below poverty (1,000) / Black

Number of persons below poverty (1,000) / Asian and Pacific Islander

Number of persons below poverty (1,000) / Hispanic

Percent of persons below poverty / All races

Percent of persons below poverty / White

Percent of persons below poverty / Black

Percent of persons below poverty / Asian and Pacific Islander

Percent of persons below poverty / Hispanic

Below 125 percent of poverty level / Number (1,000)

Below 125 percent of poverty level / Percent of total population


Unemployed Jobseekers’ Job Search Activities: 2010

Jobseekers’ job search methods (percent) / Employer directly

Jobseekers’ job search methods (percent) / Sent out a resume or filled out applications

Jobseekers’ job search methods (percent) / Placed or answered ads

Jobseekers’ job search methods (percent) / Friends or relatives

Jobseekers’ job search methods (percent) / Public employment agency

Jobseekers’ job search methods (percent) / Private employment agency

Jobseekers’ job search methods (percent) / Other activities

Unemployed Persons by Sex and Reason: 1990 to 2010


Money Income of Families—Number and Distribution by Race and Hispanic Origin: 2009

Number of families (1,000) / White alone

Number of families (1,000) / Black alone

Number of families (1,000) / Asian alone

Money Income of Families—Percent Distribution by Income Level in Constant (2009) Dollars: 1980 to 2009

Percent distribution / $15,000 to $24,999

Percent distribution / $25,000 to $34,999

Percent distribution / $35,000 to $49,999

Percent distribution / $50,000 to $74,999

Percent distribution / $75,000 to $99,999

Percent distribution / $100,000 and over


ClosingDisclosureTRID

ClosingCostLine

Section

The lettered section heading this fee line falls under, copied verbatim INCLUDING the letter and the section title, e.g. 'A. Origination Charges', 'B. Services Borrower Did Not Shop For', 'C. Services Borrower Did Shop For' (in loan_costs); or 'E. Taxes and Other Government Fees', 'F. Prepaids', 'G. Initial Escrow Payment at Closing', 'H. Other' (in other_costs). Found on page 2 (Closing Cost Details). Do NOT confuse with line_label (the individual fee name): section is the bold lettered header, line_label is the numbered (01, 02, ...) row beneath it. Do NOT use the subtotal rows ('D. TOTAL LOAN COSTS', 'I. TOTAL OTHER COSTS', 'Loan Costs Subtotals') as a section value for a fee line.

Line Label

The BASE NAME of this individual numbered fee line ONLY, e.g. 'Application Fee', 'Appraisal Fee', '0.25 % of Loan Amount (Points)', 'Title - Lender's Title Insurance', 'Recording Fees', 'Prepaid Interest', 'Property Taxes', 'Homeowner's Insurance', 'Mortgage Insurance', 'Aggregate Adjustment'. Page 2 (Closing Cost Details), the numbered (01, 02, ...) rows under each lettered section. STRIP all of the following so the same line in two documents produces the identical label: (a) the leading line number (01/02/...); (b) the 'to <payee>' portion (that goes in payee); (c) any inline dollar figures or rate/term descriptors that trail the name on the same row - e.g. for 'Homeowner's Insurance $100.83 per month for 2 mo.' use 'Homeowner's Insurance'; for 'Recording Fees Deed: $40.00 Mortgage: $45.00' use 'Recording Fees'; for 'Prepaid Interest ( $17.44 per day from 4/15/13 to 5/1/13 )' use 'Prepaid Interest'; for 'Homeowner's Insurance Premium ( 12 mo.)' use 'Homeowner's Insurance Premium'; for 'Property Taxes ( 6 mo.)' use 'Property Taxes'. Keep only the descriptive fee NAME, not the parenthetical month counts, per-day/per-month amounts, or deed/mortgage breakdowns. EXCEPTIONS - keep these parentheticals because they are part of the printed line NAME, not data: '0.25 % of Loan Amount (Points)' (the '%' rate IS the line name, keep the exact printed rate e.g. '.5 % of Loan Amount (Points)' on H25E), and the trailing '(Points)' / '(optional)' qualifiers (e.g. keep 'Title - Owner's Title Insurance (optional)' WITH '(optional)'). Do NOT confuse with section (the lettered header). Do NOT emit subtotal / TOTAL rows as a line_label.

Payee

The recipient of this fee, taken from the 'to <name>' text that follows the fee name on the same row, e.g. 'John Smith Appraisers Inc.', 'Epsilon Title Co.', 'Any County USA'. Strip the leading 'to '. Page 2 fee rows. Null when the row shows no 'to ...' payee. Do NOT confuse with line_label (the fee name) or with any dollar amount.

Borrower Paid At Closing

Dollar amount in the FIRST money column, labeled 'Borrower-Paid / At Closing', for this fee line, verbatim with dollar sign and cents, e.g. '$300.00'. Negative values keep their sign, e.g. '- $0.01'. There are up to five money columns in left-to-right order: [Borrower-Paid At Closing] [Borrower-Paid Before Closing] [Seller-Paid At Closing] [Seller-Paid Before Closing] [Paid by Others]; place each amount strictly under the column it physically sits in. CRITICAL: a value that sits in the 'Before Closing' or 'Paid by Others' column must NOT be put here just because this is the first/most-common column - e.g. on the purchase sample 'Appraisal Fee' $405.00 is in the rightmost Paid by Others column (so this is null), and 'Credit Report Fee' $29.80 is in Before Closing (so this is null). Null when the At Closing column is blank for the row.

Borrower Paid Before Closing

Dollar amount in the SECOND money column, labeled 'Borrower-Paid / Before Closing', for this fee line, verbatim e.g. '$29.80', '$405.00'. This column captures fees the borrower paid prior to the closing date (POC-style). On the purchase sample 'Credit Report Fee' $29.80 is here; on the H25E refinance 'Appraisal Fee' $405.00 and 'Credit Report Fee' $30.00 are here. Do NOT confuse with borrower_paid_at_closing (column to its left) or paid_by_others (far-right column). Null when blank.

Seller Paid At Closing

Dollar amount in the Seller-Paid 'At Closing' column for this fee line, verbatim e.g. '$450.00'. Page 2. PURCHASE disclosures only have Seller-Paid columns; on REFINANCE disclosures there are no Seller-Paid columns so this is always null. Do NOT confuse with borrower_paid_at_closing. Null when blank or absent.

Seller Paid Before Closing

Dollar amount in the Seller-Paid 'Before Closing' column for this fee line, verbatim e.g. '$750.00'. Page 2. PURCHASE only; null on REFINANCE. Null when blank.

Paid By Others

Dollar amount in the FAR-RIGHT 'Paid by Others' column for this fee line, verbatim e.g. '$405.00'. Page 2, the last money column on the right edge of the table. On the purchase sample the 'Appraisal Fee' $405.00 sits in THIS column (Paid by Others), NOT in any Borrower-Paid column. Do NOT confuse with the seller_paid columns (which are between Borrower-Paid and Paid by Others on a purchase disclosure) or with borrower_paid columns. Null when blank.

CashToCloseGridRow

Line Label

The row label in the 'Calculating Cash to Close' table, verbatim including any '(letter)' suffix, e.g. 'Total Closing Costs (J)', 'Closing Costs Paid Before Closing', 'Closing Costs Financed (Paid from your Loan Amount)', 'Down Payment/Funds from Borrower', 'Deposit', 'Funds for Borrower', 'Seller Credits', 'Adjustments and Other Credits', 'Cash to Close' (PURCHASE row set); or 'Loan Amount', 'Total Closing Costs (J)', 'Closing Costs Paid Before Closing', 'Total Payoffs and Payments (K)', 'Cash to Close' (REFINANCE row set). PURCHASE is on page 3, REFINANCE on page 3 (H25E) / page 2 (H25F excerpt). The two doc types have different row sets - emit whatever rows appear. Do NOT confuse with the Closing Cost Details fee lines on page 2.

Loan Estimate

Value in the 'Loan Estimate' column for this row, verbatim with sign/dollar e.g. '$8,054.00', '- $10,000.00', '$0'. Do NOT confuse with the 'Final' column (immediately to its right). Null when blank.

Final

Value in the 'Final' column for this row, verbatim with sign/dollar e.g. '$9,712.10', '- $29.80'. For the 'Cash to Close' row, capture the dollar amount ONLY (e.g. '$14,147.26'); do NOT append the 'From / To Borrower' checkbox text. Do NOT confuse with the 'Loan Estimate' column. Null when blank.

Did This Change

The 'Did this change?' answer for this row, normalized to 'YES' or 'NO'. The Cash to Close summary row itself has no YES/NO answer - null there. Null when blank.

Date Issued

The 'Date Issued' value from the Closing Information block (page 1, top-left), formatted exactly as printed e.g. '4/15/2013' (M/D/YYYY). Do NOT confuse with closing_date or disbursement_date which sit directly below it and may share the same value. Null if absent.

Closing Date

The 'Closing Date' value from the Closing Information block (page 1, top-left), as printed e.g. '4/15/2013'. Do NOT confuse with date_issued (line above) or disbursement_date (line below). Null if absent.

Disbursement Date

The 'Disbursement Date' value from the Closing Information block (page 1, top-left), as printed e.g. '4/15/2013'. Do NOT confuse with closing_date (line above). Null if absent.

Settlement Agent

The 'Settlement Agent' company name from the Closing Information block (page 1), e.g. 'Epsilon Title Co.', 'Zeta Title'. Do NOT confuse with lender_name (Ficus Bank) or the Settlement Agent column in the page-5 Contact Information table. Null if absent.

File Number

The 'File #' value from the Closing Information block (page 1), verbatim e.g. '12-3456'. Do NOT confuse with loan_id ('Loan ID #') or mic_number ('MIC #'). Null if absent.

Property Address

The 'Property' address from the Closing Information block (page 1), full multi-line address joined into one string e.g. '456 Somewhere Ave, Anytown, ST 12345'. Do NOT confuse with the Borrower or Seller mailing addresses in the Transaction Information block. Null if absent.

Sale Price

The 'Sale Price' value from the Closing Information block (page 1), verbatim with dollar e.g. '$180,000'. PURCHASE disclosures only. On a REFINANCE disclosure this label is replaced by 'Appraised Prop. Value' - leave sale_price null and use appraised_property_value instead. Do NOT confuse with loan_amount or appraised_property_value. Null on refinance / when absent.

Appraised Property Value

The 'Appraised Prop. Value' value from the Closing Information block (page 1), verbatim e.g. '$180,000'. REFINANCE disclosures only (it replaces 'Sale Price'). On a PURCHASE disclosure leave this null and use sale_price. Do NOT confuse with sale_price or loan_amount. Null on purchase / when absent.

Borrower Name

The 'Borrower' name(s) from the Transaction Information block (page 1), the name line only, verbatim e.g. 'Michael Jones and Mary Stone'. Do NOT include the borrower's street address that follows on the next lines. Do NOT confuse with seller_name or lender_name. Null if absent.

Seller Name

The 'Seller' name(s) from the Transaction Information block (page 1), name line only, verbatim e.g. 'Steve Cole and Amy Doe'. PURCHASE disclosures only - REFINANCE disclosures have no Seller row, so this is null on refinance. Do NOT include the seller address. Do NOT confuse with borrower_name. Null on refinance / when absent.

Lender Name

The 'Lender' name from the Transaction Information block (page 1), verbatim e.g. 'Ficus Bank'. Do NOT confuse with settlement_agent or with the Lender column of the page-5 Contact Information table. Null if absent.

Loan Term

The 'Loan Term' from the Loan Information block (page 1), verbatim e.g. '30 years'. Do NOT confuse with the Projected Payments year ranges (e.g. 'Years 1-7'). Null if absent.

Purpose

The 'Purpose' from the Loan Information block (page 1), one of 'Purchase', 'Refinance', 'Construction', 'Other' as printed. Do NOT confuse with product (e.g. 'Fixed Rate') or loan_type ('Conventional'). Null if absent.

Product

The 'Product' from the Loan Information block (page 1), verbatim e.g. 'Fixed Rate', '5 Year Interest Only, 5/3 Adjustable Rate'. Do NOT confuse with purpose ('Purchase'/'Refinance') or loan_type ('Conventional'). Null if absent.

Loan Type

The 'Loan Type' from the Loan Information block (page 1) - the checked box among Conventional / FHA / VA / ____ (Other). Return the checked value as one of 'Conventional', 'FHA', 'VA', 'Other'. In both samples 'Conventional' is checked (the box shows 'x'). Do NOT confuse with purpose or product. Null if no box is determinable.

Loan ID

The 'Loan ID #' from the Loan Information block (page 1), verbatim e.g. '123456789'. Do NOT confuse with file_number ('File #') or mic_number ('MIC #'). Null if absent.

MIC Number

The 'MIC #' (Mortgage Insurance Case number) from the Loan Information block (page 1), verbatim e.g. '000654321', '009874513'. Do NOT confuse with loan_id or file_number. Null if absent.

Loan Amount

The 'Loan Amount' from the Loan Terms table (page 1, first row), verbatim with dollar e.g. '$162,000'. Do NOT confuse with closing_costs_total, cash_to_close, sale_price, or amount_financed (page 5). Null if absent.

Interest Rate

The 'Interest Rate' from the Loan Terms table (page 1), verbatim as a percent e.g. '3.875%', '4.25%'. Do NOT confuse with annual_percentage_rate (APR, page 5) or total_interest_percentage (TIP). Null if absent.

Monthly Principal & Interest

The 'Monthly Principal & Interest' amount from the Loan Terms table (page 1), verbatim e.g. '$761.78', '$737.91'. This is the base P&I, NOT the full Estimated Total Monthly Payment (which adds escrow/MI). Do NOT confuse with estimated_total_monthly_payment. Null if absent.

Prepayment Penalty

Whether the loan has a Prepayment Penalty, from the 'Does the loan have these features?' block of the Loan Terms table (page 1). Normalize to 'YES' or 'NO'. Do NOT confuse with balloon_payment (the row below). Null if absent.

Prepayment Penalty Detail

The descriptive text beside a YES prepayment penalty, verbatim e.g. 'As high as $3,240 if you pay off the loan during the first 2 years' (strip a leading bullet). Page 1 Loan Terms. Null when prepayment_penalty is NO or no detail text is printed.

Balloon Payment

Whether the loan has a Balloon Payment, from the 'Does the loan have these features?' block (page 1). Normalize to 'YES' or 'NO'. Do NOT confuse with prepayment_penalty (row above). Null if absent.

Estimated Total Monthly Payment (First Period)

The 'Estimated Total Monthly Payment' value in the FIRST (left) Projected Payments column (page 1), verbatim e.g. '$1,050.26' (Years 1-7 on the purchase sample, Years 1-4 on H25E). Do NOT confuse with monthly_principal_and_interest (just the P&I component) or with the second-period column. Null if absent.

Estimated Total Monthly Payment (Second Period)

The 'Estimated Total Monthly Payment' value in the SECOND (right) Projected Payments column (page 1), verbatim e.g. '$967.91' (Years 8-30 on purchase, Years 5-30 on H25E). Do NOT confuse with the first-period column. Null if absent or if there is only one payment column.

The 'Estimated Taxes, Insurance & Assessments' monthly amount from the Projected Payments section (page 1), the '$x a month' figure, verbatim dollar only e.g. '$356.13' (omit the trailing 'a month'). Do NOT confuse with estimated_total_monthly_payment or the Estimated Escrow line. Null if absent.

Closing Costs Total

The headline 'Closing Costs' figure in the 'Costs at Closing' box (page 1), verbatim e.g. '$9,712.10', '$5,757.57'. This is the page-1 summary number. Do NOT confuse with: cash_to_close (the larger Cash to Close figure), loan_amount, or the page-2 'J. TOTAL CLOSING COSTS' line (which equals this value but is a different field captured inside loan_costs/grid). Equals loan_costs_portion + other_costs_portion - lender_credits. Null if absent.

Closing Costs - Loan Costs Portion

The 'Loan Costs' component cited inside the Closing Costs explanatory sentence on page 1 ('Includes $X in Loan Costs + $Y in Other Costs - $Z in Lender Credits'), verbatim e.g. '$4,694.05', '$3,495.50'. Do NOT confuse with closing_costs_other_costs_portion (the '$Y in Other Costs' value), closing_costs_total, or lender_credits. Null if absent.

Closing Costs - Other Costs Portion

The 'Other Costs' component cited inside the Closing Costs explanatory sentence on page 1 ('... + $Y in Other Costs ...'), verbatim e.g. '$5,018.05', '$2,762.07'. Do NOT confuse with closing_costs_loan_costs_portion ('$X in Loan Costs') or lender_credits. Null if absent.

Lender Credits

The 'Lender Credits' amount from the page-1 Closing Costs sentence ('... - $Z in Lender Credits'). ALWAYS take it from the page-1 'Costs at Closing' sentence and report it as a POSITIVE dollar string WITHOUT a leading minus sign, e.g. '$0', '$500' (purchase sample shows '$0'; H25E shows '$500'). Do NOT use the page-2 'Lender Credits' line form '- $500.00' and do NOT prepend a '-' sign. Do NOT confuse with closing_costs_total, the loan/other-costs portions, or Seller Credits. Null if absent.

Cash to Close

The headline 'Cash to Close' figure in the 'Costs at Closing' box (page 1), the DOLLAR AMOUNT ONLY e.g. '$14,147.26', '$29,677.43'. Do NOT append the 'From / To Borrower' checkbox words that may sit beside it. Do NOT confuse with closing_costs_total (the smaller Closing Costs figure), loan_amount, or the page-3 Calculating-Cash-to-Close grid 'Cash to Close' row. Null if absent.

Total of Payments

The 'Total of Payments' value from the Loan Calculations box (page 5), verbatim e.g. '$285,803.36'. Do NOT confuse with finance_charge or amount_financed in the same box. Null if absent.

Finance Charge

The 'Finance Charge' value from the Loan Calculations box (page 5), verbatim e.g. '$118,830.27'. Do NOT confuse with total_of_payments or amount_financed. Null if absent.

Amount Financed

The 'Amount Financed' value from the Loan Calculations box (page 5), verbatim e.g. '$162,000.00', '$148,241.94'. Do NOT confuse with loan_amount (page 1, may differ) or finance_charge. Null if absent.

Annual Percentage Rate (APR)

The 'Annual Percentage Rate (APR)' from the Loan Calculations box (page 5), verbatim percent e.g. '4.174%', '4.543%'. Do NOT confuse with interest_rate (page 1, lower) or total_interest_percentage (TIP). Null if absent.

Total Interest Percentage (TIP)

The 'Total Interest Percentage (TIP)' from the Loan Calculations box (page 5), verbatim percent e.g. '69.46%', '77.29%'. Do NOT confuse with annual_percentage_rate (APR) or interest_rate. Null if absent.

Assumption

The checked Assumption option in Loan Disclosures (page 4): 'will allow' (lender will allow assumption) or 'will not allow'. In both samples 'will not allow' is checked. Null if not determinable.

Demand Feature

The checked Demand Feature option in Loan Disclosures (page 4): 'has' a demand feature or 'does not have'. In both samples 'does not have' is checked. Null if not determinable.

Negative Amortization

The checked Negative Amortization option in Loan Disclosures (page 4): 'are scheduled' (scheduled neg-am payments), 'may have' (may have neg-am), or 'do not have' (no negative amortization feature). In both samples 'do not have' is checked. Null if not determinable.

Partial Payments

The checked Partial Payments option in Loan Disclosures (page 4): 'may accept' partial payments, 'may hold' them in a separate account, or 'does not accept' partial payments. In both samples 'may accept' is checked. Null if not determinable.

Escrow Account

The checked Escrow Account option in the Escrow Account box (page 4): 'will have' an escrow account or 'will not have'. In both samples 'will have' is checked. Null if not determinable.

state law may protect
state law does not protect

Liability after Foreclosure

The checked Liability after Foreclosure option in Other Disclosures (page 5): 'state law may protect' you from liability for the unpaid balance, or 'state law does not protect'. Purchase sample = 'state law may protect'; H25E refinance = 'state law does not protect'. Null if not determinable.

Loan Costs

Itemized fee lines under the 'Loan Costs' heading of Closing Cost Details (page 2): sections A (Origination Charges), B (Services Borrower Did Not Shop For), C (Services Borrower Did Shop For). Emit one object ONLY for each numbered fee line that has a PRINTED FEE NAME. The form pre-prints blank numbered slots (e.g. '04', '05', '06', '07', '08' with nothing after them) - these are EMPTY placeholders and must NOT be emitted as rows. Also do NOT emit: a row whose line_label would be empty/null, the section header rows themselves, per-section subtotals, or the 'D. TOTAL LOAN COSTS' / 'Loan Costs Subtotals' rows. Expected non-empty counts: purchase sample = 15 lines (A:3, B:6, C:6); H25E refinance = 15 lines (A:4, B:6, C:5). Null when the document does not include the Closing Cost Details page (e.g. an excerpt).

Other Costs

Itemized fee lines under the 'Other Costs' heading of Closing Cost Details (page 2): sections E (Taxes and Other Government Fees), F (Prepaids), G (Initial Escrow Payment at Closing), H (Other). Emit one object ONLY for each numbered fee line that has a PRINTED FEE NAME, INCLUDING the 'Aggregate Adjustment' line under G. The form pre-prints blank numbered slots and partially-blank rows such as 'Mortgage Insurance Premium ( mo.)' / 'Mortgage Insurance per month for mo.' that have a label but NO dollar amount in any column - treat a row as EMPTY and skip it only when it has neither a meaningful fee name nor any amount; a printed fee name with all-blank amounts (like an unused Mortgage Insurance line) should be SKIPPED. Do NOT emit blank numbered placeholders, section header rows, per-section subtotals, or the 'I. TOTAL OTHER COSTS' / 'J. TOTAL CLOSING COSTS' / 'Other Costs Subtotals' rows. Expected non-empty counts: purchase sample = 15 lines (E:2, F:3, G:3 incl. Aggregate Adjustment, H:7); H25E refinance = 8 lines (E:1, F:3, G:3, H:0, and 'Aggregate Adjustment' counted in G). Null when the document omits the Closing Cost Details page.

Calculating Cash to Close Grid

Rows of the 'Calculating Cash to Close' table (PURCHASE: page 3; REFINANCE H25E: page 3; REFINANCE excerpt H25F: page 2), which compares Loan Estimate vs Final with a 'Did this change?' answer. Emit one object per row. PURCHASE and REFINANCE have different row sets (refinance includes 'Loan Amount' and 'Total Payoffs and Payments (K)'; purchase includes 'Down Payment/Funds from Borrower', 'Deposit', 'Seller Credits', etc.) - emit whatever rows the document shows, including the final 'Cash to Close' summary row. Do NOT include the page-2 Closing Cost Details fee lines or the page-3 Summaries of Transactions (K/L/M/N) rows.


ClosingDisclosureTRID

ClosingCostLine

Section

The lettered section heading this fee line falls under, copied verbatim INCLUDING the letter and the section title, e.g. 'A. Origination Charges', 'B. Services Borrower Did Not Shop For', 'C. Services Borrower Did Shop For' (in loan_costs); or 'E. Taxes and Other Government Fees', 'F. Prepaids', 'G. Initial Escrow Payment at Closing', 'H. Other' (in other_costs). Found on page 2 (Closing Cost Details). Do NOT confuse with line_label (the individual fee name): section is the bold lettered header, line_label is the numbered (01, 02, ...) row beneath it. Do NOT use the subtotal rows ('D. TOTAL LOAN COSTS', 'I. TOTAL OTHER COSTS', 'Loan Costs Subtotals') as a section value for a fee line.

Line Label

The BASE NAME of this individual numbered fee line ONLY, e.g. 'Application Fee', 'Appraisal Fee', '0.25 % of Loan Amount (Points)', 'Title - Lender's Title Insurance', 'Recording Fees', 'Prepaid Interest', 'Property Taxes', 'Homeowner's Insurance', 'Mortgage Insurance', 'Aggregate Adjustment'. Page 2 (Closing Cost Details), the numbered (01, 02, ...) rows under each lettered section. STRIP all of the following so the same line in two documents produces the identical label: (a) the leading line number (01/02/...); (b) the 'to <payee>' portion (that goes in payee); (c) any inline dollar figures or rate/term descriptors that trail the name on the same row - e.g. for 'Homeowner's Insurance $100.83 per month for 2 mo.' use 'Homeowner's Insurance'; for 'Recording Fees Deed: $40.00 Mortgage: $45.00' use 'Recording Fees'; for 'Prepaid Interest ( $17.44 per day from 4/15/13 to 5/1/13 )' use 'Prepaid Interest'; for 'Homeowner's Insurance Premium ( 12 mo.)' use 'Homeowner's Insurance Premium'; for 'Property Taxes ( 6 mo.)' use 'Property Taxes'. Keep only the descriptive fee NAME, not the parenthetical month counts, per-day/per-month amounts, or deed/mortgage breakdowns. EXCEPTIONS - keep these parentheticals because they are part of the printed line NAME, not data: '0.25 % of Loan Amount (Points)' (the '%' rate IS the line name, keep the exact printed rate e.g. '.5 % of Loan Amount (Points)' on H25E), and the trailing '(Points)' / '(optional)' qualifiers (e.g. keep 'Title - Owner's Title Insurance (optional)' WITH '(optional)'). Do NOT confuse with section (the lettered header). Do NOT emit subtotal / TOTAL rows as a line_label.

Payee

The recipient of this fee, taken from the 'to <name>' text that follows the fee name on the same row, e.g. 'John Smith Appraisers Inc.', 'Epsilon Title Co.', 'Any County USA'. Strip the leading 'to '. Page 2 fee rows. Null when the row shows no 'to ...' payee. Do NOT confuse with line_label (the fee name) or with any dollar amount.

Borrower Paid At Closing

Dollar amount in the FIRST money column, labeled 'Borrower-Paid / At Closing', for this fee line, verbatim with dollar sign and cents, e.g. '$300.00'. Negative values keep their sign, e.g. '- $0.01'. There are up to five money columns in left-to-right order: [Borrower-Paid At Closing] [Borrower-Paid Before Closing] [Seller-Paid At Closing] [Seller-Paid Before Closing] [Paid by Others]; place each amount strictly under the column it physically sits in. CRITICAL: a value that sits in the 'Before Closing' or 'Paid by Others' column must NOT be put here just because this is the first/most-common column - e.g. on the purchase sample 'Appraisal Fee' $405.00 is in the rightmost Paid by Others column (so this is null), and 'Credit Report Fee' $29.80 is in Before Closing (so this is null). Null when the At Closing column is blank for the row.

Borrower Paid Before Closing

Dollar amount in the SECOND money column, labeled 'Borrower-Paid / Before Closing', for this fee line, verbatim e.g. '$29.80', '$405.00'. This column captures fees the borrower paid prior to the closing date (POC-style). On the purchase sample 'Credit Report Fee' $29.80 is here; on the H25E refinance 'Appraisal Fee' $405.00 and 'Credit Report Fee' $30.00 are here. Do NOT confuse with borrower_paid_at_closing (column to its left) or paid_by_others (far-right column). Null when blank.

Seller Paid At Closing

Dollar amount in the Seller-Paid 'At Closing' column for this fee line, verbatim e.g. '$450.00'. Page 2. PURCHASE disclosures only have Seller-Paid columns; on REFINANCE disclosures there are no Seller-Paid columns so this is always null. Do NOT confuse with borrower_paid_at_closing. Null when blank or absent.

Seller Paid Before Closing

Dollar amount in the Seller-Paid 'Before Closing' column for this fee line, verbatim e.g. '$750.00'. Page 2. PURCHASE only; null on REFINANCE. Null when blank.

Paid By Others

Dollar amount in the FAR-RIGHT 'Paid by Others' column for this fee line, verbatim e.g. '$405.00'. Page 2, the last money column on the right edge of the table. On the purchase sample the 'Appraisal Fee' $405.00 sits in THIS column (Paid by Others), NOT in any Borrower-Paid column. Do NOT confuse with the seller_paid columns (which are between Borrower-Paid and Paid by Others on a purchase disclosure) or with borrower_paid columns. Null when blank.

CashToCloseGridRow

Line Label

The row label in the 'Calculating Cash to Close' table, verbatim including any '(letter)' suffix, e.g. 'Total Closing Costs (J)', 'Closing Costs Paid Before Closing', 'Closing Costs Financed (Paid from your Loan Amount)', 'Down Payment/Funds from Borrower', 'Deposit', 'Funds for Borrower', 'Seller Credits', 'Adjustments and Other Credits', 'Cash to Close' (PURCHASE row set); or 'Loan Amount', 'Total Closing Costs (J)', 'Closing Costs Paid Before Closing', 'Total Payoffs and Payments (K)', 'Cash to Close' (REFINANCE row set). PURCHASE is on page 3, REFINANCE on page 3 (H25E) / page 2 (H25F excerpt). The two doc types have different row sets - emit whatever rows appear. Do NOT confuse with the Closing Cost Details fee lines on page 2.

Loan Estimate

Value in the 'Loan Estimate' column for this row, verbatim with sign/dollar e.g. '$8,054.00', '- $10,000.00', '$0'. Do NOT confuse with the 'Final' column (immediately to its right). Null when blank.

Final

Value in the 'Final' column for this row, verbatim with sign/dollar e.g. '$9,712.10', '- $29.80'. For the 'Cash to Close' row, capture the dollar amount ONLY (e.g. '$14,147.26'); do NOT append the 'From / To Borrower' checkbox text. Do NOT confuse with the 'Loan Estimate' column. Null when blank.

Did This Change

The 'Did this change?' answer for this row, normalized to 'YES' or 'NO'. The Cash to Close summary row itself has no YES/NO answer - null there. Null when blank.

Date Issued

The 'Date Issued' value from the Closing Information block (page 1, top-left), formatted exactly as printed e.g. '4/15/2013' (M/D/YYYY). Do NOT confuse with closing_date or disbursement_date which sit directly below it and may share the same value. Null if absent.

Closing Date

The 'Closing Date' value from the Closing Information block (page 1, top-left), as printed e.g. '4/15/2013'. Do NOT confuse with date_issued (line above) or disbursement_date (line below). Null if absent.

Disbursement Date

The 'Disbursement Date' value from the Closing Information block (page 1, top-left), as printed e.g. '4/15/2013'. Do NOT confuse with closing_date (line above). Null if absent.

Settlement Agent

The 'Settlement Agent' company name from the Closing Information block (page 1), e.g. 'Epsilon Title Co.', 'Zeta Title'. Do NOT confuse with lender_name (Ficus Bank) or the Settlement Agent column in the page-5 Contact Information table. Null if absent.

File Number

The 'File #' value from the Closing Information block (page 1), verbatim e.g. '12-3456'. Do NOT confuse with loan_id ('Loan ID #') or mic_number ('MIC #'). Null if absent.

Property Address

The 'Property' address from the Closing Information block (page 1), full multi-line address joined into one string e.g. '456 Somewhere Ave, Anytown, ST 12345'. Do NOT confuse with the Borrower or Seller mailing addresses in the Transaction Information block. Null if absent.

Sale Price

The 'Sale Price' value from the Closing Information block (page 1), verbatim with dollar e.g. '$180,000'. PURCHASE disclosures only. On a REFINANCE disclosure this label is replaced by 'Appraised Prop. Value' - leave sale_price null and use appraised_property_value instead. Do NOT confuse with loan_amount or appraised_property_value. Null on refinance / when absent.

Appraised Property Value

The 'Appraised Prop. Value' value from the Closing Information block (page 1), verbatim e.g. '$180,000'. REFINANCE disclosures only (it replaces 'Sale Price'). On a PURCHASE disclosure leave this null and use sale_price. Do NOT confuse with sale_price or loan_amount. Null on purchase / when absent.

Borrower Name

The 'Borrower' name(s) from the Transaction Information block (page 1), the name line only, verbatim e.g. 'Michael Jones and Mary Stone'. Do NOT include the borrower's street address that follows on the next lines. Do NOT confuse with seller_name or lender_name. Null if absent.

Seller Name

The 'Seller' name(s) from the Transaction Information block (page 1), name line only, verbatim e.g. 'Steve Cole and Amy Doe'. PURCHASE disclosures only - REFINANCE disclosures have no Seller row, so this is null on refinance. Do NOT include the seller address. Do NOT confuse with borrower_name. Null on refinance / when absent.

Lender Name

The 'Lender' name from the Transaction Information block (page 1), verbatim e.g. 'Ficus Bank'. Do NOT confuse with settlement_agent or with the Lender column of the page-5 Contact Information table. Null if absent.

Loan Term

The 'Loan Term' from the Loan Information block (page 1), verbatim e.g. '30 years'. Do NOT confuse with the Projected Payments year ranges (e.g. 'Years 1-7'). Null if absent.

Purpose

The 'Purpose' from the Loan Information block (page 1), one of 'Purchase', 'Refinance', 'Construction', 'Other' as printed. Do NOT confuse with product (e.g. 'Fixed Rate') or loan_type ('Conventional'). Null if absent.

Product

The 'Product' from the Loan Information block (page 1), verbatim e.g. 'Fixed Rate', '5 Year Interest Only, 5/3 Adjustable Rate'. Do NOT confuse with purpose ('Purchase'/'Refinance') or loan_type ('Conventional'). Null if absent.

Loan Type

The 'Loan Type' from the Loan Information block (page 1) - the checked box among Conventional / FHA / VA / ____ (Other). Return the checked value as one of 'Conventional', 'FHA', 'VA', 'Other'. In both samples 'Conventional' is checked (the box shows 'x'). Do NOT confuse with purpose or product. Null if no box is determinable.

Loan ID

The 'Loan ID #' from the Loan Information block (page 1), verbatim e.g. '123456789'. Do NOT confuse with file_number ('File #') or mic_number ('MIC #'). Null if absent.

MIC Number

The 'MIC #' (Mortgage Insurance Case number) from the Loan Information block (page 1), verbatim e.g. '000654321', '009874513'. Do NOT confuse with loan_id or file_number. Null if absent.

Loan Amount

The 'Loan Amount' from the Loan Terms table (page 1, first row), verbatim with dollar e.g. '$162,000'. Do NOT confuse with closing_costs_total, cash_to_close, sale_price, or amount_financed (page 5). Null if absent.

Interest Rate

The 'Interest Rate' from the Loan Terms table (page 1), verbatim as a percent e.g. '3.875%', '4.25%'. Do NOT confuse with annual_percentage_rate (APR, page 5) or total_interest_percentage (TIP). Null if absent.

Monthly Principal & Interest

The 'Monthly Principal & Interest' amount from the Loan Terms table (page 1), verbatim e.g. '$761.78', '$737.91'. This is the base P&I, NOT the full Estimated Total Monthly Payment (which adds escrow/MI). Do NOT confuse with estimated_total_monthly_payment. Null if absent.

Prepayment Penalty

Whether the loan has a Prepayment Penalty, from the 'Does the loan have these features?' block of the Loan Terms table (page 1). Normalize to 'YES' or 'NO'. Do NOT confuse with balloon_payment (the row below). Null if absent.

Prepayment Penalty Detail

The descriptive text beside a YES prepayment penalty, verbatim e.g. 'As high as $3,240 if you pay off the loan during the first 2 years' (strip a leading bullet). Page 1 Loan Terms. Null when prepayment_penalty is NO or no detail text is printed.

Balloon Payment

Whether the loan has a Balloon Payment, from the 'Does the loan have these features?' block (page 1). Normalize to 'YES' or 'NO'. Do NOT confuse with prepayment_penalty (row above). Null if absent.

The 'Estimated Total Monthly Payment' value in the FIRST (left) Projected Payments column (page 1), verbatim e.g. '$1,050.26' (Years 1-7 on the purchase sample, Years 1-4 on H25E). Do NOT confuse with monthly_principal_and_interest (just the P&I component) or with the second-period column. Null if absent.

The 'Estimated Total Monthly Payment' value in the SECOND (right) Projected Payments column (page 1), verbatim e.g. '$967.91' (Years 8-30 on purchase, Years 5-30 on H25E). Do NOT confuse with the first-period column. Null if absent or if there is only one payment column.

The 'Estimated Taxes, Insurance & Assessments' monthly amount from the Projected Payments section (page 1), the '$x a month' figure, verbatim dollar only e.g. '$356.13' (omit the trailing 'a month'). Do NOT confuse with estimated_total_monthly_payment or the Estimated Escrow line. Null if absent.

Closing Costs Total

The headline 'Closing Costs' figure in the 'Costs at Closing' box (page 1), verbatim e.g. '$9,712.10', '$5,757.57'. This is the page-1 summary number. Do NOT confuse with: cash_to_close (the larger Cash to Close figure), loan_amount, or the page-2 'J. TOTAL CLOSING COSTS' line (which equals this value but is a different field captured inside loan_costs/grid). Equals loan_costs_portion + other_costs_portion - lender_credits. Null if absent.

Closing Costs - Loan Costs Portion

The 'Loan Costs' component cited inside the Closing Costs explanatory sentence on page 1 ('Includes $X in Loan Costs + $Y in Other Costs - $Z in Lender Credits'), verbatim e.g. '$4,694.05', '$3,495.50'. Do NOT confuse with closing_costs_other_costs_portion (the '$Y in Other Costs' value), closing_costs_total, or lender_credits. Null if absent.

Closing Costs - Other Costs Portion

The 'Other Costs' component cited inside the Closing Costs explanatory sentence on page 1 ('... + $Y in Other Costs ...'), verbatim e.g. '$5,018.05', '$2,762.07'. Do NOT confuse with closing_costs_loan_costs_portion ('$X in Loan Costs') or lender_credits. Null if absent.

Lender Credits

The 'Lender Credits' amount from the page-1 Closing Costs sentence ('... - $Z in Lender Credits'). ALWAYS take it from the page-1 'Costs at Closing' sentence and report it as a POSITIVE dollar string WITHOUT a leading minus sign, e.g. '$0', '$500' (purchase sample shows '$0'; H25E shows '$500'). Do NOT use the page-2 'Lender Credits' line form '- $500.00' and do NOT prepend a '-' sign. Do NOT confuse with closing_costs_total, the loan/other-costs portions, or Seller Credits. Null if absent.

Cash to Close

The headline 'Cash to Close' figure in the 'Costs at Closing' box (page 1), the DOLLAR AMOUNT ONLY e.g. '$14,147.26', '$29,677.43'. Do NOT append the 'From / To Borrower' checkbox words that may sit beside it. Do NOT confuse with closing_costs_total (the smaller Closing Costs figure), loan_amount, or the page-3 Calculating-Cash-to-Close grid 'Cash to Close' row. Null if absent.

Total of Payments

The 'Total of Payments' value from the Loan Calculations box (page 5), verbatim e.g. '$285,803.36'. Do NOT confuse with finance_charge or amount_financed in the same box. Null if absent.

Finance Charge

The 'Finance Charge' value from the Loan Calculations box (page 5), verbatim e.g. '$118,830.27'. Do NOT confuse with total_of_payments or amount_financed. Null if absent.

Amount Financed

The 'Amount Financed' value from the Loan Calculations box (page 5), verbatim e.g. '$162,000.00', '$148,241.94'. Do NOT confuse with loan_amount (page 1, may differ) or finance_charge. Null if absent.

Annual Percentage Rate (APR)

The 'Annual Percentage Rate (APR)' from the Loan Calculations box (page 5), verbatim percent e.g. '4.174%', '4.543%'. Do NOT confuse with interest_rate (page 1, lower) or total_interest_percentage (TIP). Null if absent.

Total Interest Percentage (TIP)

The 'Total Interest Percentage (TIP)' from the Loan Calculations box (page 5), verbatim percent e.g. '69.46%', '77.29%'. Do NOT confuse with annual_percentage_rate (APR) or interest_rate. Null if absent.

Assumption

The checked Assumption option in Loan Disclosures (page 4): 'will allow' (lender will allow assumption) or 'will not allow'. In both samples 'will not allow' is checked. Null if not determinable.

Demand Feature

The checked Demand Feature option in Loan Disclosures (page 4): 'has' a demand feature or 'does not have'. In both samples 'does not have' is checked. Null if not determinable.

Negative Amortization

The checked Negative Amortization option in Loan Disclosures (page 4): 'are scheduled' (scheduled neg-am payments), 'may have' (may have neg-am), or 'do not have' (no negative amortization feature). In both samples 'do not have' is checked. Null if not determinable.

Partial Payments

The checked Partial Payments option in Loan Disclosures (page 4): 'may accept' partial payments, 'may hold' them in a separate account, or 'does not accept' partial payments. In both samples 'may accept' is checked. Null if not determinable.

Escrow Account

The checked Escrow Account option in the Escrow Account box (page 4): 'will have' an escrow account or 'will not have'. In both samples 'will have' is checked. Null if not determinable.

Liability after Foreclosure

The checked Liability after Foreclosure option in Other Disclosures (page 5): 'state law may protect' you from liability for the unpaid balance, or 'state law does not protect'. Purchase sample = 'state law may protect'; H25E refinance = 'state law does not protect'. Null if not determinable.

Loan Costs

Itemized fee lines under the 'Loan Costs' heading of Closing Cost Details (page 2): sections A (Origination Charges), B (Services Borrower Did Not Shop For), C (Services Borrower Did Shop For). Emit one object ONLY for each numbered fee line that has a PRINTED FEE NAME. The form pre-prints blank numbered slots (e.g. '04', '05', '06', '07', '08' with nothing after them) - these are EMPTY placeholders and must NOT be emitted as rows. Also do NOT emit: a row whose line_label would be empty/null, the section header rows themselves, per-section subtotals, or the 'D. TOTAL LOAN COSTS' / 'Loan Costs Subtotals' rows. Expected non-empty counts: purchase sample = 15 lines (A:3, B:6, C:6); H25E refinance = 15 lines (A:4, B:6, C:5). Null when the document does not include the Closing Cost Details page (e.g. an excerpt).

Other Costs

Itemized fee lines under the 'Other Costs' heading of Closing Cost Details (page 2): sections E (Taxes and Other Government Fees), F (Prepaids), G (Initial Escrow Payment at Closing), H (Other). Emit one object ONLY for each numbered fee line that has a PRINTED FEE NAME, INCLUDING the 'Aggregate Adjustment' line under G. The form pre-prints blank numbered slots and partially-blank rows such as 'Mortgage Insurance Premium ( mo.)' / 'Mortgage Insurance per month for mo.' that have a label but NO dollar amount in any column - treat a row as EMPTY and skip it only when it has neither a meaningful fee name nor any amount; a printed fee name with all-blank amounts (like an unused Mortgage Insurance line) should be SKIPPED. Do NOT emit blank numbered placeholders, section header rows, per-section subtotals, or the 'I. TOTAL OTHER COSTS' / 'J. TOTAL CLOSING COSTS' / 'Other Costs Subtotals' rows. Expected non-empty counts: purchase sample = 15 lines (E:2, F:3, G:3 incl. Aggregate Adjustment, H:7); H25E refinance = 8 lines (E:1, F:3, G:3, H:0, and 'Aggregate Adjustment' counted in G). Null when the document omits the Closing Cost Details page.

Calculating Cash to Close Grid

Rows of the 'Calculating Cash to Close' table (PURCHASE: page 3; REFINANCE H25E: page 3; REFINANCE excerpt H25F: page 2), which compares Loan Estimate vs Final with a 'Did this change?' answer. Emit one object per row. PURCHASE and REFINANCE have different row sets (refinance includes 'Loan Amount' and 'Total Payoffs and Payments (K)'; purchase includes 'Down Payment/Funds from Borrower', 'Deposit', 'Seller Credits', etc.) - emit whatever rows the document shows, including the final 'Cash to Close' summary row. Do NOT include the page-2 Closing Cost Details fee lines or the page-3 Summaries of Transactions (K/L/M/N) rows.