Most loan fraud starts with a document your team already accepted.
Altered pay stubs and fabricated bank statements are the most common fraud vectors in personal and business lending. Fraudsters have moved well beyond crude edits - today's fake financials use the correct fonts, match institution branding, and pass manual review. A forensic check at the point of application stops it before underwriting commits to a decision.
$3.1B+
in fraudulent mortgage applications filed annually
80%
of loan fraud involves fabricated or altered income documents
~1 min
to verify a bank statement or payslip
The problem
What fraud looks like in lending & credit
Altered bank statements
Running balances, transaction amounts, and opening/closing figures are edited row by row to present an inflated financial position. Table structure analysis and balance plausibility checks expose inconsistencies across the statement.
Fabricated or inflated payslips
Gross pay, net pay, and employer details are altered - or entire payslips generated - to meet income thresholds for loan approval. Font metrics, arithmetic checks (gross − deductions = net), and employer logo analysis catch these.
Manipulated tax returns
Annual income and deduction figures on tax returns are edited to support larger borrowing. Form field alignment, e-filing acknowledgement consistency, and total line integrity checks reveal the tampering.
How TamperCheck helps
A forensic verdict in about a minute
TamperCheck integrates into your loan origination workflow via a single API endpoint. Drop it in at the document upload step and your underwriting team gets a plain-English verdict - authentic, tampered, or suspicious - with specific findings before any credit decision is made.
What we check
- Running balance plausibility across all statement rows
- Gross, deductions, and net arithmetic on payslips
- Font metrics and spacing consistency across fields
- Institution branding and header plausibility
- PDF text layer vs raster mismatch detection
- Table row insertion and deletion fingerprints
Documents we verify
Common document types in lending & credit
Frequently asked
Common questions about lending & credit
How do you detect fake payslips on loan applications?
Fake payslip detection requires forensic analysis, not just arithmetic. TamperCheck inspects PDF producer metadata (real payroll systems leave consistent signatures), font metrics across every field, embedded image properties, and AI-generation noise patterns. The result is a verdict in about a minute per payslip.
Can it catch tampered bank statements?
Yes. Running balance arithmetic verification is one of the strongest signals - a single edited transaction breaks the balance chain. TamperCheck also checks font consistency, PDF text-layer integrity, producer metadata, and structural fingerprints of edits at any row.
Does it integrate with my loan origination system?
Yes - TamperCheck is API-first and integrates with any LOS (Encompass, Calyx, nCino, MeridianLink, custom). Most teams add it as a single API call at the document upload step, with the risk score gating progression to underwriting.
What's the per-application cost?
$0.50 per document. A typical application includes 1-3 income documents, so per-application verification cost is $0.50-$1.50. The math against a single avoided fraudulent loan is straightforward.
Can fraudsters bypass it with high-quality fakes?
A fake that passes all 130+ checks - structural, arithmetic, font, metadata, producer signature, and AI-generation signatures - would require regenerating the document from scratch using the issuing institution's exact internal tooling. That's not accessible to typical fraudsters.
See it working on your documents
Start with $5 in free credits - no contract, no card required. Upload your first document and get a verdict in about a minute.