[Source](https://sheaf.us/test-set-cfpb-tables-side-by-side-digital-and-image.html)

Test set

# Test set B · CFPB disclosures, tables side by side

20 values on 2 pages, each checked by a person together with the place it is printed. Every page below shows a numbered bounding box on each checked value, then the answers.

## Closing Disclosure, cash to close and transactions

Source: page 4 of [201403_cfpb_closing-disclosure_cover-H25B.pdf](https://files.consumerfinance.gov/f/201403_cfpb_closing-disclosure_cover-H25B.pdf), CFPB sample form for a fictional loan (U.S. federal government work, public domain). The test reads it as a digital PDF page, with its text layer.

![Closing Disclosure, cash to close and transactions: a numbered bounding box on each of the 10 checked values.](images/test-sets/cfpb-tables-side-by-side-digital-and-image/12-cfpb-closing-disclosure-cash-to-close-and-transactions.png)

| # | What it is | Section | Label | Value |
| --- | --- | --- | --- | --- |
| 1 | Table cell | S1 · Calculating Cash to Close | row: Total Closing Costs (J) · column: Final | $9,712.10 |
| 2 | Table cell | S1 · Calculating Cash to Close | row: Closing Costs Paid Before Closing · column: Final | – $29.80 |
| 3 | Table cell | S1 · Calculating Cash to Close | row: Down Payment/Funds from Borrower · column: Did this change? | NO |
| 4 | Table cell | S1 · Calculating Cash to Close | row: Deposit · column: Loan Estimate | – $10,000.00 |
| 5 | Table cell | S1 · Calculating Cash to Close | row: Cash to Close · column: Final | $14,147.26 |
| 6 | Table cell | S2 · Summaries of Transactions: Borrower’s Transaction | BORROWER’S TRANSACTION · K. Due from Borrower at Closing | $189,762.30 |
| 7 | Table cell | S2 · Summaries of Transactions: Borrower’s Transaction | BORROWER’S TRANSACTION · K. Due from Borrower at Closing · 03 Closing Costs Paid at Closing (J) | $9,682.30 |
| 8 | Table cell | S3 · Summaries of Transactions: Seller’s Transaction | SELLER’S TRANSACTION · M. Due to Seller at Closing · 01 Sale Price of Property | $180,000.00 |
| 9 | Table cell | S3 · Summaries of Transactions: Seller’s Transaction | SELLER’S TRANSACTION · M. Due to Seller at Closing · Adjustments for Items Paid by Seller in Advance · 12 HOA Dues 4/15/13 to 4/30/13 | $80.00 |
| 10 | Table cell | S3 · Summaries of Transactions: Seller’s Transaction | SELLER’S TRANSACTION · N. Due from Seller at Closing · 04 Payoff of First Mortgage Loan | $100,000.00 |

## Loan Estimate, cost details

Source: page 3 of [201403_cfpb_loan-estimate_fixed-rate-loan-sample-H24B.pdf](https://files.consumerfinance.gov/f/201403_cfpb_loan-estimate_fixed-rate-loan-sample-H24B.pdf), CFPB sample form for a fictional loan (U.S. federal government work, public domain). The test reads it as an image of the page, with no text layer.

![Loan Estimate, cost details: a numbered bounding box on each of the 10 checked values.](images/test-sets/cfpb-tables-side-by-side-digital-and-image/13-cfpb-loan-estimate-cost-details-as-image.png)

| # | What it is | Section | Label | Value |
| --- | --- | --- | --- | --- |
| 1 | Table cell | S1 · Loan Costs | Loan Costs · A. Origination Charges | $1,802 |
| 2 | Table cell | S1 · Loan Costs | Loan Costs · A. Origination Charges · .25 % of Loan Amount (Points) | $405 |
| 3 | Table cell | S1 · Loan Costs | Loan Costs · B. Services You Cannot Shop For · Appraisal Fee | $405 |
| 4 | Table cell | S1 · Loan Costs | Loan Costs · C. Services You Can Shop For · Title – Lender’s Title Policy | $535 |
| 5 | Table cell | S1 · Loan Costs | Loan Costs · D. TOTAL LOAN COSTS (A + B + C) | $5,672 |
| 6 | Table cell | S2 · Other Costs | Other Costs · F. Prepaids · Prepaid Interest ( $17.44 per day for 15 days @ 3.875%) | $262 |
| 7 | Table cell | S2 · Other Costs | Other Costs · G. Initial Escrow Payment at Closing · Property Taxes $105.30 per month for 2 mo. | $211 |
| 8 | Table cell | S3 · Calculating Cash to Close | Calculating Cash to Close · Total Closing Costs (J) | $8,054 |
| 9 | Table cell | S3 · Calculating Cash to Close | Calculating Cash to Close · Deposit | – $10,000 |
| 10 | Table cell | S3 · Calculating Cash to Close | Calculating Cash to Close · Estimated Cash to Close | $16,054 |

## Glossary

| Term | Definition |
| --- | --- |
| OCR | Optical character recognition: reading the text, tables and marks of a page from its image or PDF. |
| engine | An OCR product or model that reads a page and returns its text, such as Mistral OCR, Landing AI or Reducto. |
| block | One part of a page as an engine returns it: a paragraph, a table, a heading or a figure. |
| bounding box | The rectangle that marks where something is printed on the page. |
| table cell | One value of a table, where a row and a column meet. |
| form field | A label on a form and the value written for it. |
| grounding | Linking each value of a reading to its bounding box on the page. |
| ground truth | The correct answers for a page, one fact per value, checkbox, choice or signature. Every reading is scored against them. |
| test set | The pages a scoreboard is measured on, with their ground truth. |
| grader | The program or model that compares a reading with the ground truth and counts what is right. |