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Uptiq's Document AI extracts the account holder name, full service address, utility provider, statement date, billing period, and current amount due from utility bills, writing verified address evidence into the intake record and the expense line where operating costs are underwritten.
Trusted by financial institutions across banking, lending & credit
What Is This
A utility bill is a periodic statement from an electric, gas, water, or telecom provider showing the account holder, service address, billing period, and amount due, accepted at intake as evidence of address and occupancy.
Uptiq's Document AI extracts the account holder name, full service address, utility provider, statement date, billing period, and current amount due from utility bills, writing verified address evidence into the intake record and the expense line where operating costs are underwritten.
Name on the bill belongs to a spouse, landlord, or prior tenant rather than the applicant
The Solution
Uptiq's Document AI extracts the account holder name, full service address, utility provider, statement date, billing period, and current amount due from utility bills, writing verified address evidence into the intake record and the expense line where operating costs are underwritten.
The result: your team spends time on judgment calls, not re-keying utility bill 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 |
|---|---|
| Account Holder Name | Priya Raman |
| Service Address | 418 Kestrel Ave, Apt 3B, Bronx, NY 10465 |
| Utility Provider | Consolidated Edison |
| Statement Date | 2026-04-05 |
| Current Amount Due | $164.83 |
| Billing Period | 2026-03-04 to 2026-04-02 |
| Utility Type | Electric |
| Account Number (masked) | ****2290 |
{
"account_holder_name": "Priya Raman",
"service_address": "418 Kestrel Ave, Apt 3B, Bronx, NY 10465",
"utility_provider": "Consolidated Edison",
"statement_date": "2026-04-05",
"current_amount_due": "$164.83",
"billing_period": "2026-03-04 to 2026-04-02"
}Key Benefits
Uptiq's Document AI extracts the account holder name, full service address, utility provider, statement date, billing period, and current amount due from utility bills, writing verified address evidence into the intake record and the expense line where operating costs are underwritten.
Name on the bill belongs to a spouse, landlord, or prior tenant rather than the applicant
Service address and mailing address both appear on the statement, and the wrong one gets captured
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 utility bill 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 utility bill 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 utility bill documents.
150+ financial institutions run Uptiq's AI agents to process financial documents and accelerate underwriting.
Bring us the workflow with the most drag. We’ll show you an agent running it.
Join ever-growing community of 500+ Financial Institutions who have harnessed the power of Uptiq Insights.
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