Upfront Income
Upfront Income
Get Income Certainty for Every Borrower Type
Prudent AI’s Upfront Income Co-Pilots help you calculate qualified income for Self-employed Borrowers and Wage Earners—all under 2 minutes.
Trusted by
Industry Leaders
Trusted by
Industry Leaders
Trusted by Industry Leaders
Bank Statement Analyzer
Fannie Mae Income Calculator
Bank Statement Analyzer
Reviewing 12 to 24 months of bank statements used to take
hours — now it takes just 2 minutes. Prudent AI’s Bank Statement Analyzer extracts deposits, filters out noise, and calculates monthly income with precision. Give your AEs and income desk full visibility and confidence, with clear, investor-ready outputs
"Prudent AI helps get borrowers off the street because they can get that pre-approval instantly to the originators."
Tom Hutchens
President - Angel Oak Mortgage Solutions
Bank Statement Analyzer
Reviewing 12 to 24 months of bank statements used to take
hours — now it takes just 2 minutes. Prudent AI’s Bank Statement Analyzer extracts deposits, filters out noise, and calculates monthly income with precision. Give your AEs and income desk full visibility and confidence, with clear, investor-ready outputs
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W-2 Earners Income Calculator
Extract, analyze, and calculate qualified income for W-2
earners. The In-built fraud detection feature identifies and flags you about any anamolies found in the borrower’s income docs.
This is the sure-fire way to compute QI from standard income documentation with speed and accuracy
Bank Statement Analyzer
Fannie Mae Income Calculator
Bank Statement Analyzer
Reviewing 12 to 24 months of bank statements used to take
hours — now it takes just 2 minutes. Prudent AI’s Bank Statement Analyzer extracts deposits, filters out noise, and calculates monthly income with precision. Give your AEs and income desk full visibility and confidence, with clear, investor-ready outputs
"Prudent AI helps get borrowers off the street because they can get that pre-approval instantly to the originators."
Tom Hutchens
President - Angel Oak Mortgage Solutions
Why is it important NOW?
Borrowers’ income streams are more complex than ever—making it harder each day to calculate accurate qualified income.
But, Prudent AI is here to simplify that, once and for all.
"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 - Foundation Mortgage Corporation
"At Newfi, we believe that giving brokers clarity at the point of submission is the 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
CEO - Newfi Lending
"With Prudent AI, we are absolutely more productive and we can touch more files on a day-to-day basis. Underwriting productivity improved by 4x. Full manual review underwriters may do one new underwrite on a daily basis because of the review, especially if you’re doing a 24-month bank-statement review."
Travis LaLonde
Executive Vice President of Credit - Angel Oak
"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 - Sierra Pacific Mortgage
Get qualified income upfront with Prudent AI
01
Takes less than 2 minutes to compute QI
02
White-labeled and API-friendly infrastructure
03
Quick and seamless implementation
04
Easily accessible for everyone in your organization
05
Detects anamolies and flags before it’s too late
06
Trusted by leading Agency & Non-QM lenders
Working with brokers & correspondents?
Turn your current loan cycle into a self-serving income analyzer platform using Prudent AI’s Broker portal integrations.
A borrower that waits too long is the borrower that shops!
Use Prudent AI’s Income Co-Pilots to get instant income certainty and win more qualified borrowers
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
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
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Get insights from Mortgage experts, industry predictions, and smart ways to stay ahead of the curve delivered to your inbox—in a simplified way!
Get insights from Mortgage experts, industry predictions, and smart ways to stay ahead of the curve delivered to your inbox—in a simplified way!