--- title: "Mortgage and HELOC document fraud detection | Trustable" url: "https://trustable.ai/mortgage" description: "Trustable flags edited and AI-generated bank statements, pay stubs, W-2s, tax returns and IDs in mortgage and HELOC files before you fund." --- Mortgage & HELOC # Mortgage and HELOC document fraud detection Flag edited and AI-generated bank statements, pay stubs and IDs before you fund. [Book a demo](https://cal.com/scamai/20min?utm_source=trustable.ai&utm_medium=website&utm_campaign=book_demo&utm_content=mortgage) Statement · Pay stub · ID What we check ## Key documents in the loan file. Checked before you fund. ### Fake bank statement detection Edited balances and deposits. Font mismatches. ### Fake pay stub detection Changed income, dates and employers. ### Fake W-2 and tax return detection Edited wages and figures. ### IDs Edited photos and details. ### Property photos Edited or AI-generated photos of the home. ### Cross-document checks Income compared across pay stubs, W-2s and deposits. In development HELOC ## HELOC document fraud detection HELOC files often get lighter checks than a full mortgage. Trustable runs the same checks on each HELOC file. ## See why a file was flagged. Your underwriter or fraud team decides. ### Add the file Bank statements, pay stubs, tax returns and IDs. ### Check every page Edits, AI generation and metadata. ### Review the evidence Each finding, where it is, how strong. FAQ ## What underwriters ask us. ### What is mortgage document fraud? Mortgage document fraud is the use of edited or fabricated documents to qualify for a loan: altered bank statements, pay stubs, W-2s, tax returns, appraisals or IDs. Income is the most common target. In Fannie Mae data for 2024, income accounted for 46% of misrepresentation findings, as reported by [National Mortgage News](https://www.nationalmortgagenews.com/news/occupancy-frauds-mortgage-impact-according-to-experts). Generative AI makes convincing fakes faster to produce, which is why more lenders check the documents themselves, not just the numbers typed into the application. ### Can Trustable detect fake bank statements? Yes. Trustable checks each bank statement for edited text, font and layout mismatches, metadata that conflicts with the claimed source, and balances or totals that don’t add up across pages. Every finding is marked on the page with its strength, so an underwriter can see what looked wrong and decide whether to request the original statement or verify with the bank. ### How are fake pay stubs detected? Each pay stub is checked for signs of editing, such as changed figures, mismatched fonts or a rebuilt template, and each finding is marked with its strength. Comparing the stub’s income with the W-2s, tax returns and bank deposits in the same loan file is in development and is not part of today’s check. ### Why do HELOC lenders need document checks? HELOC applications often move faster and get lighter checks than a full purchase mortgage, so an altered income document or property photo has a better chance of getting through. Trustable runs the same checks on each HELOC file, including bank statements, pay stubs, tax returns, IDs and property photos, and shows the reviewer the evidence for each finding. ### How do files reach Trustable? Through the API or the Trustable web app. Send a statement, pay stub, W-2 or ID and get back the findings, where they are and how strong each one is, for your underwriter or fraud team. Routing results into your workflow is in development. ### Can Trustable detect fake W-2s and tax returns? Yes. W-2s and tax returns are checked the same way as bank statements and pay stubs: edited figures, font and spacing that don’t match the form, rebuilt templates and metadata that conflicts with the claimed source. Each finding is marked on the page with its strength. Comparing the wages on a W-2 with the pay stubs and deposits in the same file is in development. ### Does Trustable check IDs in mortgage files? Yes. Driver’s licences and other ID images are checked for edited photos and details, signs of AI generation and missing or conflicting camera data, with each finding marked on the image. As with every file, a finding is a reason to verify the applicant through your normal process, not a decision on its own. ### Does a flag mean the borrower committed fraud? No. A flag means a document needs a closer look, not that anyone committed fraud. Files are edited for innocent reasons too, such as cropping a scan or removing a password. Trustable shows what it found, where, and how strong the signal is; your underwriter decides whether to ask for the original or move on. Mortgage & HELOC ## See it on a loan file. We demo on a sample file. Yours only after we agree on data handling. [Book a demo](https://cal.com/scamai/20min?utm_source=trustable.ai&utm_medium=website&utm_campaign=book_demo&utm_content=mortgage) [See the sample report](https://trustable.ai/sample-report) Guides: [How to spot a fake bank statement](https://trustable.ai/insights/fake-bank-statements-mortgage) · [HELOC document fraud](https://trustable.ai/insights/heloc-document-fraud)