Fraud detection now included for every Ocrolus mortgage customer

Ocrolus Detect identifies tampered and AI-generated bank statements, pay stubs and tax forms

CHICAGO, Oct. 12, 2026 /PRNewswire/ -- Ocrolus, a vertical AI workflow and analytics platform for lenders, today announced that every Ocrolus mortgage customer now gets Ocrolus Detect, its document fraud detection product, at no added cost. Detect checks bank statements, pay stubs and tax forms for tampering. Underwriters see the results in the Ocrolus platform or in the Encompass embedded viewer, where they already review the file.

Lenders are already running Detect in production. JMAC Lending, a wholesale lender based in Costa Mesa, California, screens every file in its Encompass pipeline with Detect. JMAC stopped nearly $2 million in fraudulent loan volume in its first months of use. In one case, Detect led underwriters to a bank statement showing a $300,000 deposit in an account that held $1,200.

Generative AI has made fake financial documents cheap and fast to produce, and across all lending types, 12% of loan applications processed through Ocrolus contain suspicious activity. One altered document can bring a repurchase demand or a lost designation.

"The conversation with lenders has moved from 'Can AI do this?' to 'Can I trust it enough to put it into production?'" said Nadia Aziz, General Manager of Mortgage at Ocrolus. "Fraudulent bank statements and income documents can now be created in minutes and are becoming harder to distinguish from the real thing. Fraud screening should be built in, not an added expense for lenders. Detect shows underwriters exactly why a document was flagged, and the underwriter makes the call."

That trust starts with evidence. Through Ocrolus' integration with Resistant AI, Detect now catches documents that generative AI created or edited, checking both what a document says and how it was made. Each document gets an authenticity score with reason codes that show the underwriter what looks wrong, such as edited text, balances that don't reconcile or changes made to the file after it was created.

That transparency now carries regulatory weight. Freddie Mac's and Fannie Mae's AI governance requirements took effect earlier this year, and every Detect flag provides its reasoning, giving lenders an explainable result. The same approach underpins Ocrolus' integrations with Fannie Mae's Income Calculator and Freddie Mac's AIM Check. Behind the product, Ocrolus maintains a formal AI governance program, with controls mapped to both frameworks to help meet the obligations they set out. The defined controls are audited annually by independent third parties (ISO 27001, SOC 2, PCI DSS) and through application security testing.

Putting AI into production also takes people who know the work. Ocrolus' in-house mortgage underwriting experts bring firsthand lending experience to product design and accuracy, and partner with account managers to support each rollout through onboarding, onsite training and ongoing adoption.

That combination is why lenders are trusting Ocrolus with more of the workflow. In the past 90 days, 40 lenders signed up for Ocrolus Inspect, which identifies data discrepancies and automates underwriting conditions.

Rebecca Seward, Vice President of Product at Ocrolus, will demo the full Ocrolus mortgage suite on the Hub Stage on Monday, Oct. 12 at the MBA Annual Convention and Expo in Chicago.

About Ocrolus

Ocrolus is a vertical AI workflow and analytics platform that transforms financial documents and digital data into regulatory-grade decision intelligence. Purpose-built for lending since 2016, the platform analyzes roughly 750,000 credit applications each month with industry-leading accuracy — enabling financial institutions to make faster, more confident credit decisions. Ocrolus goes beyond data extraction to deliver audit-ready cash flow and income analytics and fraud detection across a wide variety of document types, including bank statements, pay stubs and tax forms. Trusted by over 500 customers, Ocrolus is the engine of modern credit underwriting. To learn more, visit Ocrolus.com.

SOURCE Ocrolus