For Lending & Underwriting

It passed review. That's how it becomes a buyback.

AI-altered paystubs, W-2s, and bank statements clear manual review, then surface as misrepresentation, defects, and repurchase demands. Mighty verifies the document itself, before you fund.

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A stack of mortgage income documents, paystub, W-2, bank statement, with one figure flagged during underwriting review.

BLOCKrisk 91 · YTD earnings edited

01Before you fund

The document is trusted the moment it arrives.

Every exhibit on the right is a misrepresentation that clears review today and returns as a defect tomorrow. Mighty closes the gap between the file you accept and the loan you can stand behind.

01
Income and assets
Paystub, W-2, bank statement, 1040
02
Verify the document
Math, pixels, and cross-document agreement
03
Allow, review, or block
An auditable verdict before you fund

See it on your files

The documents that pass review today

BLOCK

Paystub

Inflated YTD earnings

Overstated income, misrepresentation at funding

BLOCK

W-2

Edited wage boxes

Qualifying income that was never earned

REVIEW

Bank statement

Fabricated balances and deposits

Assets and reserves that do not exist

REVIEW

Tax return (1040)

Income that contradicts the paystub

Cross-document defect, repurchase exposure

Exhibit A

Exhibit B · Beside your verification stack

Source checks verify the income exists. Mighty verifies the document.

Income, employment & asset checks

Confirm the income, employment, and assets exist at the source.

Mighty

Confirms the artifact in the file was not manipulated before it reached you.

A borrower can have real income and still hand you a forged paystub. Source verification cannot see the alteration on the page. Mighty reads the page.

Exhibit C · Receive, verify, route

01Receive

Any document, photo, or extracted text, through one API.

02Verify

Document math
Pixel & layout tampering
Cross-document consistency
Hidden instructions

Mighty inspects the artifact itself, not just the text it contains.

03Route

ALLOWclears straight through

REVIEWrouted to a reviewer

BLOCKstopped with the evidence

An auditable decision your workflow can act on, before anyone trusts the file.

02The rep-and-warrant math

~18%higher default rate on loans carrying an altered document.

One missed alteration is not one bad file. It is concentrated repurchase and rep-and-warrant exposure, sitting inside loans you already sold.

Source: Ocrolus altered-document default analysis

Your defect rate is a document problem first.

Investors and agencies price your defect rate. Catching the misrepresentation at intake, before you fund, is what keeps it off your scorecard and out of the buyback queue.

03The cost line

Catch the misrepresentation before it becomes a repurchase.

higher default rate for loans with an altered document: ~18%
of document fraud is now digital: 57%
YoY rise in digital forgery: 244%
of fraud attempts target lending: #2 category: 5.4%

Sources: Ocrolus · Entrust Identity Fraud Report 2025 · Sumsub Identity Fraud Report.

The anti-fraud signal

See what your intake is already missing.

Bring a sample of your real documents. We'll show you the edits and fakes your reviewers and automation can't see, before they reach a decision.

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