Which AI underwriting-assist tools can a broker shop or small lender buy?

Five tools sit in the Underwriting Assist & Condition Clearing category, read on the vendor's own site on October 31, 2026, and every one of them is priced by quote: none posts a dollar figure. Two are sold to broker shops as well as lenders, SOLO by Tidalwave and Prudent AI Upfront Suite. The other three, Candor Loan Engineering System, Gateless Smart Underwrite and Indecomm DecisionGenius, are written for lenders that render their own underwriting decision. The sheet's Best fit column records that split, and below we lay out who each tool is sold to, what the AI does, what it plugs into and what it posts on borrower data.

Sold to broker shops as well as lenders

• SOLO by Tidalwave: priced by quote, volume-based with flexible terms and minimums. Best fit: Broker shop, Lender branch. SOLO sits at the point of sale and does the first underwriting pass: document review, bank statement analysis, income from paystubs and dual AUS, with every answer logged. NEXA Mortgage is a named customer. Names Encompass, Calyx Path, Fannie Mae DU, Freddie Mac LPA, Plaid, Argyle and Truv. Posts SOC 2 Type II and states that stored borrower data is encrypted.
• Prudent AI Upfront Suite: priced by quote; sold to non-QM lenders, retail and wholesale lenders, and to brokers through a self-serve broker portal. Best fit: Broker shop, Lender branch. Upfront Income calculates qualifying income across W-2, self-employed and bank statement borrowers and traces each figure to the document line; Upfront Index stacks the file; Upfront AUS checks it against investor matrices at intake. Fannie Mae is the one named integration; the LOS connection is by API. Posts SOC 2 Type 2, ISO 27001:2022 and AES-256 encryption at rest.

Written for lenders that underwrite their own files

• Candor Loan Engineering System: priced by quote. Best fit: Lender branch. Renders the decision, writes conditions into the file and backs each one with a $25,000-per-loan defect warranty; Candor Assistant explains conditions and calculations, and IncomeClarity and CandorDI can be bought as standalone modules. Names Encompass, MeridianLink and Byte. No SOC 2 or borrower-data statement is posted, so ask for the security documentation before you buy.
• Gateless Smart Underwrite: priced by quote. Best fit: Lender branch. Underwrites each document on receipt against GSE and investor rules, clears what passes and sends the rest to an underwriter with the logic shown; VeriClear calculates income from borrower documents. Rate and The Loan Store are named customers. Integration is by API, with no LOS named, so confirm the Encompass path on the demo. Displays a SOC 2 badge; report type and date are not stated.
• Indecomm DecisionGenius: priced by quote; sold to lenders, credit unions and MI companies. Best fit: Lender branch. Glass Box decisioning shows which guideline, data point and document each condition came from, and conditions write back to the LOS; IncomeGenius handles wage-earner and self-employed income. Names Encompass and MeridianLink Mortgage. No SOC 2 or borrower-data statement is posted on the product page, so ask for the security package in the demo.

What plugs into what

Encompass is named by SOLO by Tidalwave, Candor Loan Engineering System and Indecomm DecisionGenius. Prudent AI Upfront Suite and Gateless Smart Underwrite connect by API without naming an LOS.

The compliance line

Three of the five post a security standard: SOC 2 Type II for SOLO by Tidalwave, SOC 2 Type 2 plus ISO 27001:2022 for Prudent AI Upfront Suite, and a SOC 2 badge for Gateless Smart Underwrite. Candor Loan Engineering System and Indecomm DecisionGenius post no statement, so ask.

What to ask on the demo

Because the tools in this guide are all quote-based, the demo is where the price appears. Ask for volume minimums, per-loan versus platform terms, which LOS the connection is certified for, and the SOC 2 report where none is posted.

Quick answers

Do any AI underwriting-assist tools post a price?

No. All five, SOLO by Tidalwave, Prudent AI Upfront Suite, Candor Loan Engineering System, Gateless Smart Underwrite and Indecomm DecisionGenius, are priced by quote.

Which ones are sold to broker shops?

SOLO by Tidalwave names NEXA Mortgage as a broker customer and Prudent AI Upfront Suite sells to brokers through a self-serve broker portal; both carry Broker shop in the Best fit column and are priced by quote.

Which underwriting tools work with Encompass?

SOLO by Tidalwave, Candor Loan Engineering System and Indecomm DecisionGenius name Encompass in the Works with column.

Which ones post a borrower-data or SOC 2 statement?

SOLO by Tidalwave posts SOC 2 Type II and encrypted storage of borrower data; Prudent AI Upfront Suite posts SOC 2 Type 2, ISO 27001:2022 and AES-256 at rest; Gateless Smart Underwrite displays a SOC 2 badge.

Not sure which fits your business? Get help choosing.