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Meet the industry's first pre-underwriting automation platform

Meet the industry's first
pre-underwriting automation platform

Prudent AI runs verification and eligibility checks upfront, between your POS and LOS, so underwriters only see decision-ready files.

See it in Action

Trusted by Lenders

Moving Work Upfront

Trusted by Lenders

Moving Work Upfront

Trusted by Industry Leaders

Verification. Eligibility checks. Indexing. All before underwriting.

Prudent AI's Upfront Suite is the only platform that delivers predictable outcomes upfront, for sales and underwriting teams alike.

Instant feedback inside the portal the LO already uses

Accepts all standard borrower documents

LOs get real-time alerts on files they submit

They self-correct before files reach the underwriting team

Explore Self Serve Portal

Our scenario desk and underwriters now calculate income in minutes instead of hours thanks to Prudent AI’s logic testing and automation.

Tyler Bohn

Managing Director, National Accounts

Prudent AI is directly integrated with Fannie Mae’s Income Calculator for self-employed and rental income sources. You can submit to Fannie Mae and receive the reports and findings PDF within Prudent AI. No app-hopping.

Income certainty across every program

All income types handled on one platform

Multi-agency switch without recalculating from scratch

Defensible calculations traceable to source documents

Explore Upfront Income

Our scenario desk and underwriters now calculate income in minutes instead of hours thanks to Prudent AI’s logic testing and automation.

Tyler Bohn

Managing Director, National Accounts

Prudent AI is directly integrated with Fannie Mae’s Income Calculator for self-employed and rental income sources. You can submit to Fannie Mae and receive the reports and findings PDF within Prudent AI. No app-hopping.

Why pre-underwriting compresses cost and touches

Pre-underwriting moves verification, eligibility, and indexing to the front of the file. The work upstream is what compresses cost and touches at the desk.

Deterministic AI

Same file in, same answer out. Prudent uses deterministic AI: calculations come from documents that exist, with logic that holds steady across runs.

Configured to your guidelines

Prudent AI is configured to your investor matrices, overlays, and channel rules. It runs against the guidelines you actually originate to.

Every calculation sourced and logged

Each income number traces to a document and a line. Each eligibility check ties to the matrix it was run against. The audit trail builds itself as the work happens.

Lower cost per origination

Prudent AI connects directly to your LOS and POS — from the moment a borrower applies to the moment the processor picks up the file. Customized to how you lend. 

Fewer touches per file

Conditions resolved before underwriting. Findings reduced before AUS.

Faster underwriter turn

Files arrive prepared. Underwriting becomes confirmation work.

Files ready for underwriting, built into the workflow you already run.

Prudent AI's Upfront Suite sits between your origination and underwriting systems. Files get verified, calculated, indexed, and cleared before they reach the desk.

Built for both
Agencies and Non-Agencies

Whether you originate Non-QM or agency, Prudent AI configures to your guidelines.

For Non-QM lenders

The full decisioning stack.

Files come in. Income, eligibility, indexing, and condition clearing run against investor matrices upstream. Conditioned files arrive at your underwriting desk ready to validate.

Component-wise income with investor-aware rules

Eligibility run against Non-QM investor matrices

Indexed package gated to minimum submission requirements

Automated PTD and PTF clearing

For QM & agency lenders

Verified data into DU/LPA.

Income calculated component-wise. Documents indexed, package gated for completeness. Verified data flows into DU and LPA. Fewer reissues, fewer findings, faster clearance.

Component-wise agency-aware income calculation

Indexed package gated to minimum submission requirements

Verified data feed into DU/LPA

Agency guideline checks before submission

See it in Action

Every Team sees a different lift

The same loan flows through your stack, but the work compresses at every stage.

Account Executives

Real-time qualification

AEs see borrower qualification status in real time. The broker calls, and the AE has an answer, instead of promising a callback once the income desk gets to it.

C-Suite

Defensible Loan Book

Your loan book is built on documented, guideline-based decisions from origination forward. Post-close investor audits get answered with math that was locked at intake, because it was never reconstructed to begin with.

Pre-underwriting & Underwriting

Account Executives

Ready to validate

Real time qualification

Underwriters receive an income package already calculated to agency or investor guidelines. The work shows up ready to validate. That's a different day than re-keying numbers from a broker's submission and hoping they tie.

AEs see borrower qualification status in real time. The broker calls, and the AE has an answer, instead of promising a callback once the income desk gets to it.

C-Suite

Defensible Loan Book

Your loan book is built on documented, guideline-based decisions from origination forward. Post-close investor audits get answered with math that was locked at intake, because it was never reconstructed to begin with.

Pre-underwriting & Underwriting

Ready to validate

Underwriters receive an income package already calculated to agency or investor guidelines. The work shows up ready to validate. That's a different day than re-keying numbers from a broker's submission and hoping they tie.

Risk and compliance

Built in audit trail

Every qualification decision carries a documented audit trail: inputs, methodology, guideline applied. When investor due diligence calls, the original work product answers the question. No one is assembling it after the fact.

Income Desk & Processors

Start at review

The income calculation arrives organized, classified, and guideline-matched before the processor opens the file. Their job starts at review, and the chasing and escalating that used to fill their morning is gone.

Risk & Compliance

Built in audit trail

Every qualification decision carries a documented audit trail: inputs, methodology, guideline applied. When investor due diligence calls, the original work product answers the question. No one is assembling it after the fact.

Income Desk & Processors

Start at review

The income calculation arrives organized, classified, and guideline-matched before the processor opens the file. Their job starts at review, and the chasing and escalating that used to fill their morning is gone.

Compatible with systems you already originate on

Fits the stack you already run.

Prudent AI sits between your POS and your LOS. It uses your existing fields and workflows. Your underwriters log in to the tool they already use.

Seamless Implementation

Live in days, not weeks. Configured to your guidelines

Prudent AI configures to your guidelines and plugs into your existing stack. Tools and workflows stay where they are. Most lenders are live within 2 week of signing.

01

Hand it over

Share your matrices, your overlays, and a sample of the files you originate.

02

We build to fit

We configure Prudent to your rules, integrate to your stack, and run a parallel-test period.

03

Flip the switch

Then you go live when you're ready.

Your compliance team's checklist, already covered.

Your compliance team's checklist, already covered.

Prudent handles 1003 data, source documents, and credit files. Security and access controls match what your compliance team expects from a vendor in this position.

Prudent handles 1003 data, source documents, and credit files. Security and access controls match what your compliance team expects from a vendor in this position.

Lenders who moved the work upfront.

Lower your cost per origination.

If your underwriting desk is your most expensive triage queue, that's the conversation. Tell us how files move through your workflow today. We'll show you where Prudent AI fits.