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Extracting data from auto lease agreements

Dealers sign each vehicle lease on a form set by the lessor and the state, so every captive finance company and bank prints its own version. The lessor's funding team reviews every contract its dealer network writes, delivered as an e-contract or scanned paper, before paying the dealer.

Funding needs the gross and adjusted capitalized cost, the residual value, the rent charge, the term and the monthly payment. A lease origination system checks that arithmetic against the approved deal, then books the payment schedule and residual for servicing.

Page 1 of a sample Auto Lease Agreement, with extracted values outlined
63,970Markdown characters
350parse blocks
59fields extracted
The problem

What makes auto lease agreements hard

The payment is a worked calculation

Federal rules require the lease to show how the monthly payment is derived, as a column of lines joined by arithmetic operators.

One payment, printed many times

The monthly payment appears in the amount due at signing, the payment schedule and the calculation total, each a separate federal disclosure.

Terms typed into blanks

The mileage allowance and the per-mile overage charge are typed into blanks inside numbered paragraphs, among dense legal-size terms.

How it works

Parse, extract, verify

1

Parse

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

2

Extract

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

3

Verify

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

Worked example

One auto lease agreement, end to end

About this document: A closed-end motor vehicle lease for a new Honda, written by a Florida dealer on the Reynolds and Reynolds form Honda Financial Services uses in that state. Five legal-size portrait pages open with the federal lease disclosures and payment calculation, followed by itemized costs, two pages of terms, and the arbitration clause with signatures. Page 1 is featured. Personal details and signatures were replaced before publication.

Processing objective: The objective is to trace the lease from the vehicle's capitalized cost to the monthly payment, with each figure tied to its own line of the calculation. The lines reconcile: a gross capitalized cost of 28,539.00 less a 101.29 reduction leaves 28,437.71, and the residual value comes off that next.

Demonstration fields: Gross capitalized cost, Capitalized cost reduction, Adjusted capitalized cost, Residual value, Total monthly payment

The document

4 of 5 pages
  • Page 1 of the sample Auto Lease AgreementPage 1shown below
  • Page 2 of the sample Auto Lease AgreementPage 2
  • Page 3 of the sample Auto Lease AgreementPage 3
  • Page 4 of the sample Auto Lease AgreementPage 4

Where each value came from

Page 1 of the sample Auto Lease Agreement, with every featured field outlined
Gross capitalized costpayment_calculation.gross_capitalized_cost
28,539
The region of the sample Auto Lease Agreement containing Gross capitalized cost, with the extracted value outlined
extraction_metadata["payment_calculation.gross_capitalized_cost"]
{
  "value": 28539,
  "page": 1,
  "range": {
    "end": 5566,
    "start": 5555
  },
  "box": {
    "xmin": 0.79483,
    "ymin": 0.64944,
    "xmax": 0.9628,
    "ymax": 0.67251
  }
}
Capitalized cost reductionpayment_calculation.capitalized_cost_reduction
101.29
The region of the sample Auto Lease Agreement containing Capitalized cost reduction, with the extracted value outlined
extraction_metadata["payment_calculation.capitalized_cost_reduction"]
{
  "value": 101.29,
  "page": 1,
  "range": {
    "end": 5757,
    "start": 5747
  },
  "box": {
    "xmin": 0.79423,
    "ymin": 0.67249,
    "xmax": 0.96295,
    "ymax": 0.69679
  }
}
Adjusted capitalized costpayment_calculation.adjusted_capitalized_cost
28,437.71
The region of the sample Auto Lease Agreement containing Adjusted capitalized cost, with the extracted value outlined
extraction_metadata["payment_calculation.adjusted_capitalized_cost"]
{
  "value": 28437.71,
  "page": 1,
  "range": {
    "end": 5887,
    "start": 5874
  },
  "box": {
    "xmin": 0.79394,
    "ymin": 0.69672,
    "xmax": 0.96302,
    "ymax": 0.70868
  }
}
Residual valuepayment_calculation.residual_value
18,070
The region of the sample Auto Lease Agreement containing Residual value, with the extracted value outlined
extraction_metadata["payment_calculation.residual_value"]
{
  "value": 18070,
  "page": 1,
  "range": {
    "end": 6044,
    "start": 6031
  },
  "box": {
    "xmin": 0.79366,
    "ymin": 0.70862,
    "xmax": 0.96309,
    "ymax": 0.72036
  }
}
Total monthly paymentpayment_calculation.total_scheduled_payment
435.04
The region of the sample Auto Lease Agreement containing Total monthly payment, with the extracted value outlined
extraction_metadata["payment_calculation.total_scheduled_payment"]
{
  "value": 435.04,
  "page": 1,
  "range": {
    "end": 6908,
    "start": 6898
  },
  "box": {
    "xmin": 0.79074,
    "ymin": 0.82478,
    "xmax": 0.96383,
    "ymax": 0.83954
  }
}

How to try it yourself

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

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

Documents into data

Accurate

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

Auditable

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

Agentic

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

API-first

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

Affordable

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

Enterprise-grade

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

Built for high-volume, high-throughput production

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

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Capabilities

Auto Lease Agreement processing highlights

Itemized payment calculation
Gross and adjusted capitalized cost
Residual value and rent charge
Amount due at signing
Trade-in and rebate credits
Mileage allowance and overage rate
Purchase option price
Required insurance limits
Vehicle and VIN
Fill-in-the-blank terms
No per-lessor templates
Bounding box for every value
FAQs

Questions, answered

Yes. Define each line as a number field in your schema. Each one comes back as a plain number, grounded to its own cell of the calculation. The dollar sign and the operator printed beside the figure are dropped.

Give each disclosure its own field in the schema. Every value carries the character range it was quoted from. The amount in the itemization and the one in the calculation total each point to their own line of the page.

Yes. Type the mileage allowance as an integer and the overage charge as a number. Each comes back as a value on its own, grounded to the numbered paragraph that states it.

No. A schema names the fields you want and describes them in plain language. Extraction maps fields by meaning, and alternative names cover a lessor that labels a line differently, so one schema reads each lessor's form.

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

Start extracting auto lease agreement data

Reliable, structured outputs with full traceability in minutes