Upfront Income

One Platform for Every Income-Type. Every Borrower. Every Loan.

Upfront Income helps loan officers, processors, and underwriters handle complex income, run borrower scenarios, and push deals forward without chasing documents or switching tabs.

See Upfront Income in Action

Trusted by leading mortgage lenders across the United States

Trusted by

Industry Leaders

Trusted by leading mortgage lenders across the United States

Self-Serve Income Analysis, Upfront.

Upfront Income plugs into your existing intake workflows, whether through your TPO Portal or POS. Income is analyzed the moment documents are submitted, and decision-ready files are pushed directly into your LOS.

Upload

Bring in borrower documents of any type and format at intake.

Calculate

Income is identified, organized, and calculated automatically.

Adjust

Apply agency guidelines or make granular adjustments in one place.

Verify

Verified income flows directly into your system, eliminating manual re-entry before underwriting.

See it in action

Upload

Bring in borrower documents of any type and format at intake.

Calculate

Income is identified, organized, and calculated automatically.

Adjust

Apply agency guidelines or make granular adjustments in one place.

Verify

Verified income flows directly into your system, eliminating manual re-entry before underwriting.

See it in action

Upload

Bring in borrower documents of any type and format at intake.

Calculate

Income is identified, organized, and calculated automatically.

Adjust

Apply agency guidelines or make granular adjustments in one place.

Verify

Verified income flows directly into your system, eliminating manual re-entry before underwriting.

See it in action

Direct Fannie Mae Income Calculator Integration

As an authorized TSP to Fannie Mae with both self-employed and rental income calculator integrations, Upfront Income gives lenders everything in one platform.

Generate income from borrower documents

Cross-verify calculations with source documentation

Send files directly to the Fannie Mae Income Calculator

Receive FM Reports & Findings without leaving the platform

Switch guidelines. Not tools.

Upfront Income applies different agency income guidelines to the same borrower file automatically. Just switch the guideline and the platform recalculates qualifying income instantly.

Switch between:

Prudent (Default)

Fannie Mae

Freddie Mac

FHA

USDA

Turn bank statements into income-ready insights

Remove spreadsheets and manual reviews from your workflow. Get qualified, audit-ready income and cash-flow insights from bank statements, instantly.

Faster loan turnarounds

Convert 12–24 months of bank statements into qualified income in minutes, so files move forward without delays or manual analysis.

Lower underwriting effort

Replace spreadsheet-based reviews with automated income calculation, cash-flow analysis, and built-in fraud checks, reducing time spent per file.

Defensible income calculations

Every output is backed by source data, with built-in risk and fraud signals, and full auditability for confident underwriting and investor review.

One system for every income type

Self-Employed

Full business income analysis, from a single Schedule C to complex multi-entity structures, across tax years.

Recognizes all returns, K-1s, P&Ls, and balance sheets in a single pass

Calculates qualifying income with addbacks, expense adjustments, and depletion across years

Surfaces year-over-year trends and flags income decline before it reaches the underwriter

Wage Earners

Fast, accurate W-2 income analysis with every pay component separated and documented for the file.

Reads pay stubs, W-2s, VOEs, and employer statements— results in seconds, not hours

Breaks out base, overtime, bonus, and commission with guideline-based treatment for each

Detects earnings volatility and inconsistencies across pay periods automatically

Rental Income

The only solution that calculates rental income natively or via Fannie Mae's calculator-as your file needs.

Extracts Schedule E data line by line, across multiple properties and tax years

Pulls Form 8825 data automatically, covering every property and income stream

Produces audit-ready files for rep and warrant relief, without manual re-entry

Other Income

Complex borrower profiles handled cleanly, covering retirement, investments, and trusts in one place.

Recognizes and classifies retirement, investment, trust, and legal income from source documents

Normalizes multiple income streams into a single qualifying income figure for the borrower

Handles mixed-income borrowers without manual consolidation or separate worksheets

Designed for Consistent Income Analysis with every loan file

Income and employment reviews remain a leading source of loan defects. Addressing Qualifying income at intake helps lenders catch issues early, avoid underwriting surprises, and keep loans moving.

15-Minute Income Approvals

Previously: hours of manual review and back-and-forth

15-Minute Income Approvals

Previously: hours of manual review and back-and-forth

American Heritage Lending restructured how income was verified earlier in the pipeline, cutting approval time from hours to under 15 minutes without sacrificing accuracy.

Read the case study

4× More Loans. Same Team Size.

200% growth rate, no proportional headcount added

4× More Loans. Same Team Size.

200% growth rate, no proportional headcount added

Angel Oak Mortgage Solutions scaled production dramatically — without a proportional hiring surge. More output, same operators.

Read the case study

"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."