---
title: "Document Processing | AI-Driven Income Document Verification | Truv"
category: Products
url: "https://truv.com/mortgage-lending/income-document-verification"
description: AI-driven document processing as a fallback to direct-to-source verification. Extend borrower coverage with automated income document review and fraud detection.
---

# Document Processing

AI-driven document processing fallback for mortgage lenders. Extend borrower coverage with a built-in alternative to direct-to-source income verification. Truv extracts structured data from uploaded paystubs, W-2s, 1040s, and 1099s using OCR and a fraud-detection database of tens of millions of paystubs.

- **URL:** https://truv.com/mortgage-lending/income-document-verification
- **Contact:** https://truv.com/contact-sales

## What Truv Provides

### Auto-Flag Suspicious Activity
Minimize mortgage fraud from income documents with 99.9% fraud detection accuracy.

### Auto-Restored Documents
Truv detects and restores altered fields using a database of tens of millions of paystubs — improving income accuracy rates.

### Customize Document Requirements
Configure document type and number of required docs to minimize back-and-forth with borrowers.

### Power Rep and Warrant Relief on Income Calculations
Auto-submit borrower-uploaded documents to Freddie Mac AIM Check API for rep and warrant relief on income calculation.

### Boost Conversion with No Lift
Verify more borrowers, reduce drop-off rates, and approve more loans.

## How It Works

1. **Upload documents** — borrower uploads paystubs, W-2s, 1099s, or 1040s
2. **Detect fraud** — AI fraud detection runs on every document (99.9% accuracy)
3. **Returned data** — structured income data plus original files delivered to lender
4. **Rep and warrant relief** — eligible documents auto-submitted to Freddie Mac AIM Check for income calculation

## Supported Document Types

- Paystubs
- W-2s
- 1099s
- 1040s
- Supports PDFs, JPEGs, PNGs, and other file formats
- Tampered element detection and field restoration

## Key Use Cases

- Mortgage underwriting fallback when direct payroll/bank connections aren't available
- Consumer loan income verification via document upload
- Fraud prevention in high-risk lending scenarios

## Benefits

- **99.9% fraud detection:** AI catches altered documents that manual review misses.
- **Faster processing:** Automated OCR eliminates manual data entry.
- **Fallback coverage:** Extends verification to borrowers outside direct-to-source coverage.
- **Rep and warrant relief:** Income calculation relief via Freddie Mac AIM Check API.
- **GSE certified:** One of three providers with GSE certification for Document Processing.

## Related Pages

- [Mortgage Lending](https://truv.com/mortgage-lending)
- [Income and Employment Verification](https://truv.com/mortgage-lending/income-and-employment-verification)
- [Asset Verification](https://truv.com/mortgage-lending/asset-verification)
- [Employment Reverification](https://truv.com/mortgage-lending/employment-reverification)
- [Waterfall](https://truv.com/platform/waterfall)
- [Developer Documentation](https://truv.com/docs)
- [Contact Sales](https://truv.com/contact-sales)