The Self-Serve Portal puts income and eligibility checks in the broker's hands at upload. Behind it, the Upfront Suite runs the same checks your desk would, weeks earlier.
Fewer touches per file, starting at intake
Cleaner submissions, faster turns, and desk hours that go only to files that qualify.
Brokers keep coming back
Income and eligibility answered while the broker is still in the portal. The lender that answers first keeps the file.
LOs stay on origination
Verification runs the moment documents land. The week opens up for new applications.
Borrowers hear yes sooner
A borrower who qualifies knows from the start.
The audit trail builds itself
Every figure traces to a document and a line, every check to the guideline it ran against. Nothing is assembled after the fact.
Configured to your guidelines
Runs against your investor matrices and every agency variation in your book.
Consistent answers, every run
Every calculation comes from the documents in the file, and the same file always returns the same answer.
Decision-ready files for underwriting, built into the workflow you already run.
The team works the way they worked yesterday. On files that arrive verified, calculated, and cleared.
Built for the loans you actually originate
Every lender runs the same first mile: income, eligibility, documents. Prudent AI configures to the guidelines behind yours, non-QM or QM.
Non-QM
Every file gets the certainty of an AUS, run against your investor guidelines.
Upfront Income calculates income, under investor-aware rules.
Eligibility runs against your non-QM investor matrices.
DTI or DSCR is held to the target program’s thresholds, automatically.
The indexed package is gated to your minimum submission requirements.
QM
Income verification runs self-serve, integrated with Fannie Mae’s Income Calculator.
Income is verified at intake, before the file is built.
Guidelines can be switched mid-calculation, without any resets.
Verified data feeds into DU and LPA.
Findings are resolved before the file reaches AUS.
Every desk feels the lift
One file moves through your shop. Here's what changes at each stop.
C-Suite
Lower cost, lower risk
Files that won’t qualify stop consuming desk hours, and every loan that closes carries its guideline documentation. Cost per file drops, and buyback exposure drops with it.
Ready to validate
Underwriters open an income package already calculated to agency or investor guidelines. The work is validation, not re-keying a broker’s numbers and hoping they tie.
Seamless Implementation
Fits the stack you already run.
Prudent AI connects your POS and LOS over API. Natively intregates into Encompass, BeSmartee, ClearCapital, Plaid, Vesta, MeridianLink, and LON.
Hand it over
Share your matrices, your overlays, and a sample of the files you originate.
We build to fit
We configure Prudent AI to your rules, integrate with your stack, and run a parallel-test period.
Flip the switch
Once the build clears parallel testing on your own files, it goes to production. Your workflow stays the same. The checks now run upfront.
