Instantly Prequalify Your Borrowers Using Income Intelligence

Prudent AI's income intelligence platform enables you to assess a borrower's income certainty, perform fraud checks, and offer insights on their ability to repay – all within minutes.

Trusted by majority of NonQM lenders

'X Factors' That Drive Prudent AI's Income Intelligence

Our robust Income Intelligence is powered by cutting-edge technologies of the following

Xpress

Data extraction engine that comes with unparalleled speed and 100% accuracy

Xray

Comprehensive fraud check and risk assessment powered by AI

Xpert

360 degree analysis and intelligence on borrower income

Xpress

Instant Data Verification and Extraction at Lightning Speed

Instantly extract data from borrower bank statements with unparalleled accuracy. Prudent AI guarantees complete data integrity, retrieving 24 months of loan data with 100% accuracy in just 2 minutes. This fully automated, all-machine solution revolutionizes your loan processing efficiency.

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Xray

Proactive AI-Powered Fraud Detection

Xray runs multiple document integrity checks to accurately assess borrower bank statements for fraud and document tampering. Our process is designed to minimize false positives, while offering accurate risk ratings – all done within seconds.

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Xray

Proactive AI-Powered Fraud Detection

LoanLens runs multiple document integrity checks to accurately assess borrower bank statements for fraud and document tampering. Our process is designed to minimize false positives, while offering accurate risk ratings – all done within seconds.

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Xpert

Uncover Deeper Insights on Borrower Income

Xpert's Income Intelligence Quotient analyzes numerous income from borrower bank statements to determine the qualified income. The smart system dynamically adjusts the Qualified Income in real-time as updates occur, enabling lenders to efficiently assess the impact across various factors, such as deposit categories, large deposits, and commingled accounts.

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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.

4X

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

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

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{
  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.

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