Fraud Agent
Tests every document in the file for fabrication and alteration, and every figure for misrepresentation, before the loan funds — each finding cited to the page.
Every page is tested on its own arithmetic, on the file behind it, and against every other document — and the copy that disagrees goes to your underwriter with both pages cited.
What it displaces
Manual checks that still can't catch fabricated documents, and the forged statement a post-close audit finds.
Fraud caught at intake, while it is still a condition, with citations to the page that proves it for human review.
What it does
- 01
Reads every page, duplicate copies and borrower uploads included, and compares them — so the one altered copy of a statement is set beside the genuine ones
- 02
Rebuilds the arithmetic a forger gets wrong: statements that do not foot or chain from one month into the next, Social Security and Medicare withholding that does not match the wages, year-to-date pay that does not follow the pay cadence
- 03
Inspects the file behind the page — revision history, the software that last saved it, text hidden under a white box, a digit or signature copied pixel for pixel, the marks generative editing tools leave
- 04
Ties the documents to each other: stated occupancy against the insurance policy form and any rental listing, income against deposits, the contract against the Closing Disclosure and money from an interested party
- 05
Reconciles the third-party reports already in the file — the AVM, the verifications, the credit and fraud reports — against what the documents say
What it leaves behind
- Statement foots and opens where the last one closedfailstmt p.4 ↔ next stmt p.1
- Social Security and Medicare match the wagesfailearnings record p.1 · 6.2% / 1.45%
- Text under a white box on the addendumfailaddendum p.2 · text layer
- Insurance policy form against stated occupancyreviewpolicy app p.1 · 1003 §4
- Seller credits, contract against the CDpasscontract p.1 · CD p.3
Every finding cited to the page and the rule it breaks · raised while it is still a condition
Human-in-the-loop
No guesswork. Exceptions routed to humans
It finds and evidences; it does not accuse. Every finding reaches your underwriter or fraud team as a fail or a review, with the pages behind it and the rule it breaks. It never declines a loan or raises a suspicion with the borrower, and whether to file a SAR stays with your BSA officer.
How a decision is made and provedWhat it runs on
1 of 3- Document Intelligence
Intake, income, conditions, fraud, closing disclosure and QC on every loan
- Intake
- Income Desk
- Clear-to-Close
- Fraud Desk
- Closing Desk
- QC Desk
The rest of the origination side
All 10 origination desks- 01Loan Officer AssistantAnswers every lead in seconds and books the LO.
- 02POSThe borrower’s front door, inside the system.
- 03Indexing AgentEvery page split, named and filed the moment it lands.
- 04Document ConciergeGets the full document set before underwriting asks.
- 05Income DeskRep-and-warrant-eligible income, cited to the page.
- 06Conditions ManagerCreates conditions against the guide, then clears them.
- 08TRID & Cure ManagementWatches every clock, catches every cure.
- 09Pre-Close QC AgentEvery file before it funds, not a ten percent sample.
- 10Compliance AgentEvery loan-officer call scored, none sampled.
You Ain't Seen Nothin' Yet
Book a Demo
Pack up some of your complex historical files — any loan type, any investor. We run them through intake, income and condition clearing, and in 30 minutes you see every condition we created and cleared efficiently for your own team, and why.
- Any loan type, any agency guideline or custom investor overlays.
- Every finding cited to the guideline or document it came from
Case study highlight
Loan review fell from 4 hours 50 minutes to 47 minutes per file, and 78% of items now clear at high confidence — so QC touches only the exceptions.
Pre-Close QC Agent · Better Mortgage— read the case study