🎉 Prudent AI is now an authorized TSP for Fannie Mae Income Calculator

"We’re not just users.
We’re fans"

Said one of our early customers, and we haven’t looked back since then!

Prudent AI Story

Prudent AI didn’t start as a tech company. Before building Prudent AI, we were working at Big 4 companies, audited global banks, built risk systems trusted by Fortune 500s, and a lot more.

And we both learned one simple thing: Uncertain data at intake = Messy downstream.

Back then, we didn’t have a single tool that can streamline this loosely tied process. So, we built our own!

Jayendran GS (Jay)

Co-founder and CEO

Srikanth Rajaraman (Sri)

Co-founder

From Income certainty to Instant Prequal, we've come a long way!

Bank Statement Analyzer

Built for unstructured income analysis

Full Doc Income Calculator

To analyze W-2s, paystubs, and tax forms

Full Doc Income Calculator

To analyze W-2s, paystubs, and tax forms

Upfront Index

To classify, index, and organize files at intake

Upfront AUS

The only AUS built for Non-QM

Upfront AUS

The only AUS built for Non-QM

Self-serve Broker Portal

Giving brokers the ability to originate loans

Fannie Mae Integrated Income Calculator

To compute QI with Pre-emptive checks and reduce re-iterations.

Fannie Mae Integrated Income Calculator

To compute QI with Pre-emptive checks and reduce re-iterations.

Onto bigger things…

Join 50+ Lenders & cater to any borrower type

Our Mission

Keeping TPOs and Lenders aligned, calculating Qualified Income, detecting fraud should not be time-consuming or constant app-juggling. We built Prudent AI to integrate with your existing tech stack that work alongside your Income desk, your AEs, and your Underwriters.

Our AI Co-Pilots bring it all together — to turn document chaos into decision-ready insights, all upfront.

“Prudent AI exists to make lenders the superheroes of their borrowers’ journey. We give them clarity, control, and instant answers - no black boxes, no hidden logic”

Jayendran GS

Co-founder and CEO, Prudent AI

“Prudent AI exists to make lenders the superheroes of their borrowers’ journey. We give them clarity, control, and instant answers - no black boxes, no hidden logic”

Jayendran GS

Co-founder and CEO, Prudent AI

“Prudent AI exists to make lenders the superheroes of their borrowers’ journey. We give them clarity, control, and instant answers - no black boxes, no hidden logic”

Jayendran GS

Co-founder and CEO, Prudent AI

Leadership Team

Jayendran GS (Jay)

Co-founder and CEO

Srikanth Rajaraman (Sri)

Co-founder

Tammy R

Board Member

Christy Moss

Executive Strategic Advisor

Paul Gigliotti

Executive Strategic Advisor

Kishore Dasaka

Fractional Chief Financial Officer

Shuba Bhaskaran

Fractional Head of Sales and GTM

Trusted by top lenders

150% Increase in Loan Volume

30% time reduced per loan

100% Customer Retention

99% accurate processing

Trusted by

Industry Leaders

Trusted by Industry Leaders

Trusted by

Industry Leaders

Lenders using Prudent AI close 4X more loans

Angel Oak has been committed to growing the Non-QM market since 2013

Our collaboration with Prudent AI, along with the utilization of Prudent AI Upfront AUS solution, will be instrumental in helping us continue to lead that growth
Tom Hutchens
President, Angel Oak Mortgage Solutions
"With Prudent AI being able to give us a solution that delivers clear and reliable results, it really helps. One of the other things that we leverage with those results is using them to educate our customers better to understand the bank-statement loans or other income calculations."
Paul Jones
Senior Vice President of Business Development
"What sets Prudent AI apart is that no other vendor offers this level of TPO portal integration today. Not only does Prudent AI have this capability, but their excellent technology and ability to integrate directly into our broker portal made the entire process seamless for us."
David Butler
Chief Strategy Officer
"Since implementing Prudent AI, I don’t have individual underwriters doing their own interpretation of income. I have consistency in looking at bank statements and looking at the income in a certain way. With Prudent AI, I have gone from about an hour to review 12 months of statements to 15 to 20 minutes."
Suzy Lindblom
Chief Operating Officer
The future of underwriting starts upfront.

At NewFi, we believe that giving brokers clarity at the point of submission is key to unlocking scale in Non-QM. We're excited to partner with Prudent AI to build the tech platform that makes this future possible
Steve Abreu
Founder & CEO

Angel Oak has been committed to growing the Non-QM market since 2013

Our collaboration with Prudent AI, along with the utilization of Prudent AI Upfront AUS solution, will be instrumental in helping us continue to lead that growth
Tom Hutchens
President, Angel Oak Mortgage Solutions
"With Prudent AI being able to give us a solution that delivers clear and reliable results, it really helps. One of the other things that we leverage with those results is using them to educate our customers better to understand the bank-statement loans or other income calculations."
Paul Jones
Senior Vice President of Business Development
"What sets Prudent AI apart is that no other vendor offers this level of TPO portal integration today. Not only does Prudent AI have this capability, but their excellent technology and ability to integrate directly into our broker portal made the entire process seamless for us."
David Butler
Chief Strategy Officer
"Since implementing Prudent AI, I don’t have individual underwriters doing their own interpretation of income. I have consistency in looking at bank statements and looking at the income in a certain way. With Prudent AI, I have gone from about an hour to review 12 months of statements to 15 to 20 minutes."
Suzy Lindblom
Chief Operating Officer
The future of underwriting starts upfront.

At NewFi, we believe that giving brokers clarity at the point of submission is key to unlocking scale in Non-QM. We're excited to partner with Prudent AI to build the tech platform that makes this future possible
Steve Abreu
Founder & CEO

Angel Oak has been committed to growing the Non-QM market since 2013

Our collaboration with Prudent AI, along with the utilization of Prudent AI Upfront AUS solution, will be instrumental in helping us continue to lead that growth
Tom Hutchens
President, Angel Oak Mortgage Solutions
"With Prudent AI being able to give us a solution that delivers clear and reliable results, it really helps. One of the other things that we leverage with those results is using them to educate our customers better to understand the bank-statement loans or other income calculations."
Paul Jones
Senior Vice President of Business Development
"What sets Prudent AI apart is that no other vendor offers this level of TPO portal integration today. Not only does Prudent AI have this capability, but their excellent technology and ability to integrate directly into our broker portal made the entire process seamless for us."
David Butler
Chief Strategy Officer
"Since implementing Prudent AI, I don’t have individual underwriters doing their own interpretation of income. I have consistency in looking at bank statements and looking at the income in a certain way. With Prudent AI, I have gone from about an hour to review 12 months of statements to 15 to 20 minutes."
Suzy Lindblom
Chief Operating Officer
The future of underwriting starts upfront.

At NewFi, we believe that giving brokers clarity at the point of submission is key to unlocking scale in Non-QM. We're excited to partner with Prudent AI to build the tech platform that makes this future possible
Steve Abreu
Founder & CEO

Get AI Co-pilots that work across your organization

From loan officers to underwriters, Prudent AI ensures each team member works faster, with less risk, and with confidence in every loan file

Talk to Us

Put AI Co-pilots to Work Across your Lending Team

From loan officers to underwriters, Prudent AI ensures each team member works faster, with less risk, and with confidence in every file

Book a Demo

Put AI Co-pilots to Work Across your Lending Team

From loan officers to underwriters, Prudent AI ensures each team member works faster, with less risk, and with confidence in every file

Book a Demo

Products

Fannie Mae Income Calculator

New

Upfront Income

Upfront Index

Upfront AUS

Company

About Us

Schedule a Demo

Prudent AI vs. Competitors

Resources

Blog

Case Studies

Wall of Love

Newsroom

Privacy and Security

AI Co-pilots built to move your lending decisions upfront.

Mortgage News Needn't be boring.

Get insights from Mortgage experts, industry predictions, and smart ways to stay ahead of the curve delivered to your inbox—in a simplified way!

Products

Fannie Mae Income Calculator

New

Upfront Income

Upfront Index

Upfront AUS

Company

About Us

Schedule a Demo

Prudent AI vs. Competitors

Resources

Blog

Case Studies

Wall of Love

Newsroom

Privacy and Security

AI Co-pilots built to move your lending decisions upfront.

Mortgage News Needn't be boring.

Get insights from Mortgage experts, industry predictions, and smart ways to stay ahead of the curve delivered to your inbox—in a simplified way!

Products

Fannie Mae Income Calculator

New

Upfront Income

Upfront Index

Upfront AUS

Company

About Us

Schedule a Demo

Prudent AI vs. Competitors

Resources

Blog

Case Studies

Wall of Love

Newsroom

Privacy and Security

AI Co-pilots built to move your lending decisions upfront.

Mortgage News Needn't be boring.

Get insights from Mortgage experts, industry predictions, and smart ways to stay ahead of the curve delivered to your inbox—in a simplified way!

"We’re not just users.We’re fans"

Prudent AI Story

From Income certainty to Instant Prequal, we've come a long way!

Join 50+ Lenders & cater to any borrower type

Our Mission

Leadership Team

Lenders using Prudent AI close 4X more loans

Get AI Co-pilots that work across your organization

Put AI Co-pilots to Work Across your Lending Team

Put AI Co-pilots to Work Across your Lending Team

"We’re not just users.
We’re fans"