Estimate how much fraud exposure Trutina eliminates based on your lending volume. Adjust the inputs below and see your projected annual savings in real time.
Annual Fraud Exposure
$360.0M
100 fraudulent apps/mo
Annual Savings
$359.8M
After Trutina cost (~$20,000/mo)
ROI Multiple
1499x
return on investment
| Monthly applications | 5,000 |
| Fraud rate | 2.0% |
| Fraudulent applications / month | 100 |
| Average loan amount | $750,000 |
| Loss per fraudulent loan (40%) | $300,000 |
| Annual fraud exposure | $360,000,000 |
| Trutina plan (Enterprise) | -$240,000/yr |
| Net annual savings | $359,760,000 |
Recommended plan for 5,000 apps/mo
Enterprise — ~$20,000/mo
Fraud exposure is calculated as: monthly fraudulent applications x 12 months x average loan amount x loss percentage. This represents the maximum potential loss if all fraudulent applications were approved and defaulted.
Loss percentage represents the typical unrecoverable portion of a fraudulent loan after asset recovery, legal costs, and write-offs. Industry estimates range from 30-60% depending on property market conditions and speed of detection.
Fraud rate defaults to 2%, consistent with the Commonwealth Bank’s disclosed $1B annual fraud exposure across ~$150B in mortgage originations. Your actual rate may vary based on channel mix (direct vs broker), geographic concentration, and product type.
Savings estimate assumes Trutina detects and prevents 100% of fraudulent applications. In practice, detection rates depend on document quality and fraud sophistication. This calculator provides an upper-bound estimate.
Trutina pricing is based on published plan pricing: Starter ($2,000/mo, up to 200 cases), Professional ($6,000/mo, up to 1,000 cases), Enterprise (custom, estimated at $20,000/mo for this calculator). Actual Enterprise pricing is negotiated based on volume and integration requirements.
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