Stop mortgage fraud before it closes
Fraudsters submit fake, tampered or AI-generated bank statements, payslips and tax returns to secure loans they should not get. VerifyPDF catches all three in 5 seconds.
The cost of undetected document fraud
Median loss per mortgage fraud case (DOJ)
Mortgage applications contain fraud indicators, up 8.2% year-over-year
Of all Fannie Mae fraud findings involve income misrepresentation
To verify a document vs 3-4 hours per file for manual underwriter review
One fake document can cost your institution millions
Modern document fraud is invisible to the human eye. Fraudsters use Adobe Acrobat Pro and AI tools to create bank statements, payslips and tax returns that look identical to genuine documents, with realistic transaction patterns, accurate formatting and properly calculated balances.
Fake bank statements
Fraudsters modify transaction amounts, balances and counterparty names directly in the PDF content layer. Bank statements account for nearly 60% of all fraudulent document submissions in lending.
Altered payslips and employer statements
Income is inflated or fabricated entirely. In the Amsterdam mortgage fraud case, criminals created fictitious salary payments to bank accounts to build a convincing paper trail.
Forged tax returns and annual accounts
Self-employed borrowers submit doctored annual accounts that grossly exaggerate their financial status, often passing initial manual review.
Real cases, real consequences
Amsterdam mortgage fraud ring
A criminal network purchased over 8,000 properties using fraudulent mortgages worth more than EUR 3 billion. Six mortgage advisors submitted fake documents for years before detection. The Dutch Banking Association now mandates automated document verification for all new mortgage applications.
Read the full case studyJPMorgan's $175M Frank acquisition
JPMorgan acquired student loan startup Frank for $175M based on fabricated customer data and manipulated financial documents. The fraud was only discovered after the deal closed, when marketing emails to fake accounts bounced at a 72% rate.
Read the full case studyHow VerifyPDF protects lenders
Integrate document verification into your loan origination workflow. Every PDF is analyzed in seconds, with detailed forensic evidence when fraud is detected.
Metadata analysis
Detect traces of PDF editors, creation timestamps that do not match the issuer and software signatures that reveal document manipulation.
Content layer forensics
Identify direct text modifications, font inconsistencies and layered edits that are invisible to human reviewers.
Issuer verification
Match documents against our database of known bank statement formats to instantly confirm if a document came from its claimed source.
API integration
Connect VerifyPDF to your loan origination system via our REST API. Verify documents automatically as part of your existing workflow.
Fits into your existing process
Borrower submits documents
Bank statements, payslips and tax returns are uploaded as part of the loan application.
VerifyPDF analyzes each document
Every PDF is checked for manipulation, metadata inconsistencies and issuer verification in under 5 seconds.
Get a clear verdict
Each document receives a Trusted, Low Risk or High Risk rating with detailed evidence of any detected modifications.
Decide with confidence
Your underwriters focus on genuine applications while flagged documents are routed for further review.
Start catching fake documents today
Try VerifyPDF free for 15 days. No credit card required. See how many fraudulent documents slip through your current process.
Koniec z domysłami. Wynik w 5 sekund.
Prześlij plik PDF. W mniej niż 5 sekund VerifyPDF powie Ci, czy jest autentyczny, czy sfałszowany, wraz ze szczegółowym opisem każdej modyfikacji. Wypróbuj za darmo przez 15 dni, bez karty kredytowej.
Zaufany
Ten dokument jest identyczny z innymi od tego wystawcy