Upfront Income

Get Same-day Income Certainty for All Borrower Types

Prudent AI’s Upfront Income Co-Pilots help you calculate qualified income for Self-employed Borrowers and Wage Earners—all under 2 minutes.

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Trusted by

Industry Leaders

Trusted by

Industry Leaders

Trusted by Industry Leaders

Handle All Income from a single console

Upfront Income

One platform that handles every income document and every loan program. Upfront Income calculates qualifying income for agency and non-QM loans with the accuracy and speed your pipeline demands. Stop switching between systems—upload once, calculate anywhere.

Auto-calculated QI for FHA, VA, USDA loans

Align to Investor & Agency specific guidelines

Auto-computes data for Fannie Mae/Freddie Mac DU Income

One upload, infinite calculations across all your loan programs

Handles any income doc: W-2s, 1099s, tax returns, bank statements, paystubs

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.

Talk to us to know more

"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