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Prudent AI Upfront Suite
Reads the loan file at intake, calculates qualifying income for all income types including bank statements, checks investor eligibility and requests documents.
| What the AI does | Upfront Income (AI income calculation traced to source document lines); Upfront Index (document classification and stacking); Upfront AUS (investor matrices) |
|---|---|
| Who it serves | Non-QM and private lenders, Mortgage broker shops, Retail lender branches, Independent loan officers |
| Starting price | Quote-based |
| Pricing model | Quote-based |
| Free trial | No |
| Best fit | Broker shop, Lender branch |
| Category | Underwriting Assist & Condition Clearing |
| Also fits | Document Collection, OCR & Processing Automation |
| Works with | Fannie Mae Income Calculator |
| Compliance | Posted on the vendor's site: SOC 2 Type 2; ISO 27001:2022; AES-256 at rest, TLS 1.2 in transit. |
| Checked | 2026-10-31, against the vendor's own page |
Good to know
Prudent AI's Upfront Suite is built for the income-heavy file: Upfront Income calculates qualifying income across W-2, self-employed and bank statement borrowers and traces each figure to the document line, Upfront Index classifies and stacks the file, and Upfront AUS checks eligibility against investor matrices at intake and requests missing documents. It is sold to non-QM lenders, retail and wholesale lenders, and to brokers through a self-serve broker portal; pricing is by quote.
The vendor posts SOC 2 Type 2, ISO 27001:2022, AES-256 encryption at rest and TLS 1.2 in transit. The Fannie Mae Income Calculator is the named integration, with the LOS, broker portal and TPO connection by API.
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