Financial services · Mortgage

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

Source checks ask if the income exists. They do not ask if the file is real. Citadel is Mighty's product. It checks the paystub, W-2, and statement before you fund.

Why Mighty
  • Paystub
  • W-2
  • Statement
  • 1040
See it on your files
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.

  • Paystub
  • W-2
  • Statement
  • 1040
  1. 01

    Income and assets

    Paystub, W-2, bank statement, 1040

  2. 02

    Verify the document

    Math, pixels, and cross-document agreement

  3. 03

    Allow, review, warn, or block

    A clear next step before you fund

See it on your files

The documents that pass review today

BLOCK

Paystub

Inflated year-to-date earnings

BLOCK

W-2

Edited wage boxes

WARN

Bank statement

Fabricated balances and deposits

WARN

Tax return (1040)

Income that contradicts the paystub

Exhibit A

Exhibit B · Beside your verification stack

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

Placement

Customer file

Paystub, W-2, bank statement, damage photo, estimate

Citadel

Scans for edits, bad math, and hidden prompts

ALLOWREVIEWWARNBLOCK

Continue, pause, review evidence, or stop before funding or payout

Loan origination

Underwriting and funding

Income verification

Source checks for income, employment, assets

Claims platform

First notice of loss, adjusters, and payout

Origination, underwriting, and claims stay. Citadel sits in front of them and scans the file first.

Exhibit C · Receive, verify, route

01Receive

Any document, photo, or page of text. One scan before your workflow acts.

02Verify
  • Document math
  • Pixel & layout tampering
  • Cross-document consistency
  • Hidden instructions

Citadel inspects the pixels, the layout, and the text.

03Route
ALLOWcontinue the workflow
REVIEWpause and follow the next step
WARNreview suspicious evidence
BLOCKstop the workflow

A clear next step before funding or payout.

02When the loan comes back

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

Source: Ocrolus file-tampering analysis

A bad file is how the loan comes back.

A bad file still counts against you, even if you later fix it. Catch the edit at intake and it never becomes a buyback.

03The cost line

Catch the fake file before the loan comes back.

higher default rate for loans with an altered document
~18%

Ocrolus

of document fraud is now digital
57%

Entrust 2025

YoY rise in digital forgery
244%

Entrust 2025

repurchase defect is still income
#1

Freddie Mac 2025

Sources: Ocrolus file-tampering analysis · Entrust Identity Fraud Report 2025 · Freddie Mac Loan Delivery & Repurchase Trend Reporting 2025.

On your files

See what your intake is already missing.

Bring a sample from live intake. We'll walk the edits and fakes your reviewers and automation miss, before they reach a decision.

See it on your filesHow a team starts