Powerful, intelligent, and easy to use
lending decision platform
Borrowers want a quick, transparent, & hassle-free experience. Lenders want the most accurate and real-time data for better credit decisioning. Our platform has deep data intelligence to deliver income data in a smart, intuitive way to transform your borrowers' lending experience.
Schedule A DemoTrusted by the top mortgage lenders
Get 100% accurate income data in less than 15 minutes
Our AI engine presents richer contextual data by intelligently categorizing them as income / non-income, business / personal, checking/savings account, large/recurring deposits, NSF / OD - just the way you want it to make better credit decisions.
Our engine looks at borrowers' credits, debits, and balances to deliver an in-depth cash flow analysis of your borrowers & helps you filter suspicious and fraudulent applications.
Our engine looks at borrowers' credits, debits, and balances to deliver an in-depth cash flow analysis of your borrowers & helps you filter suspicious and fraudulent applications.
Calculate qualified income with our intelligent income calculator
Our income calculator auto-calculates qualified income by classifying deposit transactions into various income and non-income categories & applying the ownership/expense factor. The beauty is it also gives you full control to filter & identify transactions that need to be included or excluded from borrowers’ income data and dynamically shows its impact on the qualified income instantaneously.
Determine loan eligibility with intelligent income calculator
Our income calculator presents you with applicants’ net qualified income by extracting their bank statement data and classifying them into various income and non-income categories.I ncome calculator also gives you full control to include or exclude transactions from applicants’ credit report and dynamically shows you how it impacts the qualified income in real time.
Qualified income in your existing income worksheet format
Prudent AI offers income analysis output in an easily accessible format. You don’t need to go through a multi-step process to prepare your spreadsheet. Click on Download analysis and you’ll get the income worksheet in your existing format.
Why can you count on Prudent AI?
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Effective Data handling
Documents, especially bank statements, come in multiple formats and layouts. Our technology makes the data structuring and cleansing required to make it easily consumable.
The Power of AI
Prudent AI uses cutting-edge AI/ML technologies like Computer Vision, Natural Language Processing to deliver insights on loan applications.
Seamless integration
Our well-crafted APIs are designed to easily integrate and provide the power of Prudent AI and enriched data to any of your applications
Actionable analytics
Our powerful reports and analytics into income data allow your sales and underwriting teams to quickly arrive at precise lending decisions.
World-class security
Our systems and processes are designed to have world-class security & data protection that have passed audits by independent agencies.
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Custom solution
Every business has its unique strengths and challenges, we understand and provide great flexibility in our onboarding and delivery processes to adapt to your requirements.
Flexibility. Powered by APIs.
Computer Vision technology is at the core of our products. Our experience and machine learning frameworks make Prudent AI the fastest and most accurate in the market. Prudent AI can be easily integrated with your application by using our APIs.
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