Prudent Ai Launches Same-day Income Calculator For All Loan Types

Delaware-based fintech company Prudent AI on Wednesday announced the launch of Prudent AI Upfront Income, a tool that it calls the mortgage industry’s “first universal income platform designed to calculate qualified income for any loan type in a single tool with same-day certainty.”

The company explained in a press release that mortgage lenders can use the platform to upload W-2 forms, 1099 forms, tax returns, bank statements, pay stubs and other documents to instantly receive qualifying income calculations.

Prudent AI seeks to streamline this process to keep lenders from switching tools, reconciling results across platforms or being surprised by income calculations deep into the loan approval timeline. The company claims that, in some cases, the juggling of multiple tools causes disqualifying factors to not be uncovered until 28 days after borrower engagement begins.

“One tool. All income types. All loan programs,” Jayendran GS, co-founder of Prudent AI, said in a statement. “Income silos just became history. Lenders get certainty at intake instead of surprises at closing. That’s the difference between converting leads and losing them. We’re not improving income calculation. We’re eliminating the operational chaos that’s plagued lending for decades.”

The company noted that for agency loans purchased by Fannie Mae and Freddie Mac, its platform will automatically extract data and populate fields in the calculator to improve the submission process to Fannie’s Desktop Underwriter and Freddie’s Loan Product Advisor.

With non-QM loans, Prudent AI’s tool will calculate income for investor-specific guidelines while achieving the same speed and accuracy, the release stated.

Prudent AI has introduced other tech tools in the past year that cater to mortgage lenders.

In June 2025, it debuted a non-QM underwriting tool that reviews income, credit, assets and other data at the point of submission. NewFi Lending and Angel Oak Mortgage Solutions were some of the early adopters of the tool.

In May, Prudent AI launched a one-touch prequalification platform that aims to improve lender sales funnels by processing more applications and reducing fallout.