During the mortgage application process, some borrowers may use improper means to fabricate income or assets to mislead lenders. This behavior is illegal and may not only lead to loan rejection, but also face legal consequences. Here are some possible fabrication methods: 1. **Falsified income proof**: Borrowers may forge payroll, tax bills or other financial documents to show higher income levels. 2. **Falsely report assets**: Exaggerate their asset status by forging bank statements, investment account statements, etc. 3. **Falsified work experience**: Borrowers may fabricate false work experience or positions to increase the credibility of income proof. 4. **False rental income**: Borrowers may fabricate rental income and claim that they own multiple properties and earn income from them. 5. **Financial information of family members or friends**: Some people may use the income and asset information of family members or friends to improve their loan application qualifications. 6. **False business income**: For self-employed people, they may forge business licenses, financial statements, etc. to show higher income. 7. **Fabricated debt repayment ability**: Borrowers may provide false debt repayment records to show higher repayment ability. 8. **Using intermediaries or agents to package false information**: Some people may seek help from intermediaries or third parties to use their expertise to package false application materials. These methods are unethical and illegal, and lending institutions usually use a variety of audit methods to identify and prevent these behaviors. Therefore, loan applicants should be cautious in the loan application process and follow the principles of honesty and legality.