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.

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

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

Why should you choose Prudent AI?
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.
Learn more
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.
Learn more
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.
Learn more
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.
Learn more
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.
Read More
15 mins
Avg. Pre-approval Time
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
Angel oak Logo PNG in white colour
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.
Read More
Increase in productivity
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.
Read More
Increase in volume
4 hours
Saved per loan
<5 mins
Avg. processing 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!
Customize Your Prudent AI Experience the Way You See Fit
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
Withdrawals and many more
Learn more
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.
What's new in lending tech?

Learn how AI is transforming the lending landscape

Step into the future of lending
UI interface of tools that calculates Prequalified Income in lending business
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Schedule a demo