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Uptiq's Document AI extracts custodian name, participant TIN, IRA type, Box 1 contributions, Box 2 rollover amount, Box 5 year-end fair market value, and the Box 11 RMD indicator from Form 5498, posting verified retirement asset balances into the reserves worksheet in the credit file.
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What Is This
Form 5498 is the IRA contribution information return filed by an account custodian, reporting contributions, rollovers, conversions, year-end fair market value, and RMD status, and used by lenders to verify a borrower's retirement assets and qualifying reserves.
Uptiq's Document AI extracts custodian name, participant TIN, IRA type, Box 1 contributions, Box 2 rollover amount, Box 5 year-end fair market value, and the Box 11 RMD indicator from Form 5498, posting verified retirement asset balances into the reserves worksheet in the credit file.
Form 5498 is issued in late May, after tax filing, so it lands once the reserve calculation is already finished
The Solution
Uptiq's Document AI extracts custodian name, participant TIN, IRA type, Box 1 contributions, Box 2 rollover amount, Box 5 year-end fair market value, and the Box 11 RMD indicator from Form 5498, posting verified retirement asset balances into the reserves worksheet in the credit file.
The result: your team spends time on judgment calls, not re-keying form 5498 data — measured across production deployments.
What Uptiq Extracts
A sample of the structured fields Uptiq's Document AI captures from this document type.
| Field | Example |
|---|---|
| Custodian / Trustee Name | Ridgeline Trust Company |
| Participant TIN (masked) | ***-**-3168 |
| IRA Type | Traditional IRA |
| IRA Contributions (Box 1) | $7,000 |
| Rollover Contributions (Box 2) | $142,800 |
| Fair Market Value of Account (Box 5) | $418,600 |
| RMD Indicator (Box 11) | Checked |
| Tax Year | 2025 |
{
"custodian_trustee_name": "Ridgeline Trust Company",
"participant_tin_masked": "***-**-3168",
"ira_type": "Traditional IRA",
"ira_contributions_box_1": "$7,000",
"rollover_contributions_box_2": "$142,800",
"fair_market_value_of_account_box_5": "$418,600"
}Key Benefits
Uptiq's Document AI extracts custodian name, participant TIN, IRA type, Box 1 contributions, Box 2 rollover amount, Box 5 year-end fair market value, and the Box 11 RMD indicator from Form 5498, posting verified retirement asset balances into the reserves worksheet in the credit file.
Form 5498 is issued in late May, after tax filing, so it lands once the reserve calculation is already finished
Form 5498, 5498-SA, and 5498-ESA look nearly identical and get filed against the wrong asset category
Every extracted field traces back to its source page — examiner-ready documentation, every time.
100+ native integrations across loan origination systems, cores, and workflows. No new infrastructure.
Process more form 5498 volume with your existing team as application volume grows.
Proven at Scale
Results represent aggregate outcomes across production deployments. Individual results may vary.
How It Works
The form 5498 arrives via email, portal, or upload. AI classifies it automatically.
Fields are extracted at 95%+ accuracy with full data lineage back to the source page.
Derived metrics and ratios are calculated automatically from extracted figures.
Structured, extracted data lands in your existing loan origination or servicing system.
Common Questions
Related Document Types
Book a 30-minute session. We'll run a live extraction demo on your own form 5498 documents.
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