TruDoc IQ runs a four-stage AI analysis on pay stubs, bank statements, and W-2s — flagging manipulation, verifying financials, and scoring GSE guideline compliance in under 60 seconds.
< 60s
Analysis time
0–100
Risk score
6+
Regulatory frameworks
Built for regulatory compliance in mortgage lending
Simple by design
Drag-and-drop a pay stub, bank statement, or W-2 into TruDoc IQ. PDF, JPEG, and PNG all supported.
Our four-stage pipeline (vision extraction → financial cross-check → GSE scoring → risk synthesis) runs in under 60 seconds.
Receive a 0–100 risk score, flag-by-flag evidence breakdown, and a downloadable PDF ready for your loan file.
Enterprise-grade
Four-stage pipeline — vision extraction, financial verification, GSE cross-check, and synthesis — runs faster than a manual review queue can open a ticket.
Metadata anomaly detection, font inconsistency analysis, math verification, employer EIN cross-check, and YTD reconciliation across pay periods.
Every finding is mapped to Fannie Mae Selling Guide and Freddie Mac Single-Family Seller/Servicer Guide requirements. Know your exposure before underwriting.
Detect structuring patterns and generate FinCEN-ready SAR narratives. Built-in 30-day filing deadline tracker with overdue alerts and tipping-off safeguards.
Plug into Encompass, Calyx, BytePro, or any LOS through our REST API and webhook system. Results land in your existing workflow — no new UIs to learn.
Every analysis, decision, flag, and user action is immutably logged for CFPB examination, ECOA adverse action reporting, and SOC 2 evidence collection.
Explainable AI
Every risk score comes with flag-level evidence — the specific value found, what was expected, which GSE guideline it violates, and what action to take. No black boxes. No guessing.
TruDoc IQ Analysis
paystub_may2024.pdf
Sample output — not a consumer report under FCRA
Social proof
“We reviewed 2,400 files last quarter. TruDoc IQ flagged 31 we would have missed — three became SAR filings.”
Operations Director
Regional Mortgage Bank
“The GSE flag breakdowns are exactly what our underwriters needed. They don't just see a red score — they see the specific guideline violation.”
Chief Underwriter
Independent Mortgage Lender
“My team was spending 30–40 minutes per file on manual stip checks. Now it's a 60-second scan and we move on. ROI in the first week.”
Loan Operations Manager
Mortgage Brokerage
Early access
We're rolling out access to a select group of mortgage lenders and brokers. We'll reach out personally before you go live — no credit card required.
No. TruDoc IQ is a document integrity analysis tool that provides risk indicators to assist lending professionals in their review process. Our outputs are not consumer reports under the Fair Credit Reporting Act (FCRA). Results must never be used as the sole basis for an adverse action.
Our AI pipeline explicitly excludes all ECOA and Fair Housing Act protected characteristics from analysis — including race, color, national origin, religion, sex, age, and marital status. TruDoc IQ evaluates document integrity only, never applicant demographics.
Pay stubs, W-2s, 1099s, bank statements (personal and business), tax returns (1040, 1120S), and VOE letters. We support PDF, JPEG, and PNG formats.
Yes — via REST API and webhooks. We provide pre-built connectors for Encompass, Calyx, and BytePro, and a generic API for any other system. Analysis results include structured JSON you can map to any field.
Documents are encrypted in transit (TLS 1.3) and at rest (AES-256). All data is scoped by organization with row-level security. We maintain a full audit log of every access event. We are working toward SOC 2 Type II certification.
We're currently in early access and haven't published pricing. We're talking with lenders to make sure our model works for teams of every size — from independent brokers to large correspondent lenders. Join the waitlist and we'll have a conversation.
Join the lenders already using TruDoc IQ to protect their loan portfolios.
Request Early Access