Prudent AI | Get instant income certainty with fraud protection

Customize your Prudent AI experience
the way you see fit

API

All the key information related to a borrower are processed and readily available for you via our API. Our API output contains,

Borrower information

Bank account and balances

Transactions

Withdrawals and many more

Learn more

{
  loan_details:{
    "customer_name": "ABC LLC",
    "customer_address": "Address 1: PO Box 13792",
    "bank_name": "Wells Fargo",
    "acc_num": "#xxxxx2382",
    "total_dep": 70620.05,
    "total_with": -78414.45,
    "nsf_count": 10,
    "od_count": 2,
  },
  transactions:{
    deposits: [
      "date": "07-25",
      "description": "Deposit at ATM on 0725 at Las vegas",
      "category": "ATM Deposit",
      "amount": 5000,
      "acc_num": "#xxxxx2382",
    ],
    withdrawals: [
      "date": "07-15",
      "description": "Cash Mgmt trfr Dr Ref Funds Transfer",
      "category": "Funds Transfer",
      "amount": -25000,
      "acc_num": "#xxxxx2382",
    ]
  }

Prudent AI Web App

Our app is thoughtfully designed to easily review borrower income using the power of AI. Loved by loan officers and underwriters for its ease of use and collaboration.

Our customers have achieved remarkable results with us

“We're not just users. We're fans! We have saved tens of thousands of dollars switching to Prudent AI.

With the volumes we do now, we would need a dedicated team to do this if we didn't use Prudent Al. The results are instantaneous, and we communicate to our clients fast, hugely improving our customer service. The analytics are very precise, our audits and investor feedback confirm, and we love how easy it is to use.”

Jacqueline Weed

VP of Third-Party Originations, American Heritage

Switched from a competitor

American heritage brought their pre-approval time down to 15 mins

American Heritage Lending saw a whopping 300% increase in their lending volumes when they started preapproving loan applications in under 15 minutes.

15 mins

Avg. Pre-approval Time

300%

Increase in volume

3.5 hrs

Saved per loan

“Before Prudent AI, we worked with a BPO. The process was time-consuming, complex, and led to errors.

Thanks to Prudent AI, our efficiency and accuracy have skyrocketed. The tool's ability to detect unusual bank statements has been invaluable in identifying and preventing fraud.

It has saved us precious time and allowed our operations team to focus on more critical responsibilities.”

Kelly Tierney

Business Intelligence, Angel Oak

Switched from BPO

Angel Oak improved their underwriter productivity by 4X

Angel Oak has been able to process double the volumes in half the time. They also saved 50% on operating expenses.

Increase in productivity

50%

Cost savings

4 hours

Saved per loan

"Prudent AI has made our employees happier by automating monotonous work, reducing errors, and bringing us great speed.

We love the attention to detail, the high quality, and the flexibility to meet our needs. I’d always want Prudent AI on our side."

Joseph Lydon

Managing Director, LendSure Mortgage Corp

Switched from manual

LendSure increases its loan volumes by 450% with Prudent AI

On average, LendSure takes less than 5 minutes to process 24 months worth of bank statements. This helps them speed up their underwriting process, saving them 4 hours per loan application.

450%

Increase in volume

4 hours

Saved per loan

<5 mins

Avg. processing time

Advanced risk and fraud prevention

Our AI models are trained on a large set of bank statements to look for inaccuracies, anomalies, and instances of document tampering with remarkable precision. Our best-in-class fraud prevention features include,

A built-in risk meter designed to display overall borrower credit health

A smart AI system that detects instances of document tampering

Multiple redundancy checks to prevent the reporting of false positives

Advanced risk and fraud prevention in lending business

360° intelligence on borrower income certainty

Get a comprehensive report of your borrowers’ income certainty that contains insights on,

Categorized income and expenses

Key Spend patterns

Cash flows & other credit analysis

NSF/OD items

360° intelligence on borrower income certainty

Get a comprehensive report of your borrowers’ income certainty that contains insights on,

Categorized income and expenses

Key Spend patterns

Cash flows & other credit analysis

NSF/OD items

User experience that is easy to learn and use

Prudent AI is the best-looking and the most thoughtful bank statement analyzer in the market. We've designed our platform with lenders like you so that it speaks your language, every step of the way. A few examples of our impressive UX include,

Including/Excluding income categories using drag-and-drop gestures

Elegant user interface to modify various income parameters

Running scenarios & seeing their impact on qualified income in real-time

A user experience like no other

Prudent AI is the best-looking and the most functional prequalification solution in the market. We've designed our platform with lenders like you so that it speaks your language, every step of the way. A few examples of our impressive UX include,

Including/Excluding income categories using drag-and-drop gestures

A simplified user interface to modify various income parameters

Running scenarios & seeing their impact on qualified income in real-time

Great outcomes for everyone
in the lending ecosystem

Grow your loan volume by 3x with faster pre-approval

Your sales team will say "hurrah!" every month.

Provide exceptional customer experience

By being to pre-approve loans in under 15 minutes, you get into the good books of your clients

Run scenarios effortlessly

Customize various income parameters and see how they affect the borrower's qualified income in real time.

Get income analysis in a click

Prudent AI instantly analyzes borrowers' cashflow & credit health, and gives you the qualified income. Best part? You can download the analysis file in your desired format.

You don't have to chase documents anymore!

Make underwriting efficient and minimize risks using our AI-powered bank statement analyzer

Get notified about missing documents

Get notified about missing pages, NSFs and ODs before you begin underwriting.

Unmatched speed and accuracy

Analyze borrower creditworthiness in less than 15 minutes without compromising on accuracy.

Advanced risk and fraud detection

Find anomalies, inaccuracies and get notified about instances of document tampering, all within minutes.

Lower your risk of bad loans

Automate the loan due diligence process, identify potential risks, and make informed decisions.

Analyze bank statements in bulk

Get comprehensive reports generated from bank statement analysis within minutes.

Get Due diligence done within minutes

Get detailed analysis of everyone’s ability to repay loans and verify the health of loans without any manual work.

Assess Risk and Frauds

Find patterns that miss the eyes of humans and minimize risk in ways that never been possible before!