MBA Newslink Premier Member Spotlight: Prudent AI
One in a continuing series of profiles of Premier Members of the Mortgage Bankers Association. Please contact MBA’s Alicia Goncalves, CMB for information about Premier Member spotlights.
MBA Newslink: Please provide a brief description of your company.
Prudent AI: Prudent AI equips lenders with a suite of AI Co-Pilots that shift decision-making to the very beginning of the loan cycle. We enable lenders to rapidly surface qualified income, verify documents, and assess early eligibility — so decisions happen upfront, not downstream. As industry pioneers, we help lenders consistently meet guidelines, reduce rework, and accelerate accurate approvals.
MBA Newslink: What key products or services would you like to showcase?
Prudent AI:
Fannie Mae Integrated Income Calculator
Through Prudent AI’s direct integration with Fannie Mae’s Income Calculator, lenders can instantly push borrower document data, compute DU-aligned qualified income accurately, and retrieve Fannie Mae Income Calculator findings in one streamlined flow. This feature handles self-employed, rental, W-2, and complex income scenarios while embedding pre-emptive checks to reduce reruns.
Upfront Income
Our income intelligence Co-Pilot that analyzes W-2s, pay-stubs, tax returns and bank statements, delivers qualified income in roughly two minutes, flags anomalies and supports wage-earners and self-employed borrowers alike.
Upfront Index
An intelligent document classifier that sorts, labels and structures borrower files at intake — reducing file prep time by 70 % and ensuring underwriters receive organized, complete packages.
Upfront AUS
A purpose-built automated-underwriting-support tool for non-QM lending that applies investor rules upfront, validates income, credit and assets early, and enables faster, cleaner submissions.
Together these tools anchor our promise: we enable lenders to shift left — capture decision-ready loans earlier, reduce touches, and turn volume pressure into scalable throughput.
MBA Newslink: How would you describe your company’s culture?
Prudent AI: At Prudent AI we combine high-ownership execution, deep product craftsmanship and a mission-centric mindset. We believe every lender is a hero without a cape — so we build tools that let them serve borrowers with clarity, speed and confidence. Our culture stands on end-to-end accountability, customer obsession and innovation. Recently we were honoured with the Progress in Lending Pioneer Award, and our CEO, Jayendran GS, was named one of HousingWire’s Top 100 Tech Trendsetters. We’re a small, agile team committed to transforming lending’s first mile — doing big things with precision and purpose.
MBA Newslink: How is your company engaged with MBA?
Prudent AI: Although Prudent AI is a young company emerging from its startup phase, we have already made a meaningful impact in the mortgage industry and are committed to contributing to the MBA community through participation, advocacy, and collaboration. Each member of our U.S.-based team is actively engaged in MBA initiatives, including the Residential Non-Agency Lending Forum, the Residential Technology Forum, and several members who participate in the Mortgage Action Alliance (MAA).
Beyond our committee involvement, Prudent AI is consistently present at major MBA conferences—such as Annual, Secondary, and mPower—ensuring we stay connected to industry trends, policymaking, and member needs.
We are excited to now serve as a Premier Member of the MBA and look forward to deepening our engagement, expanding our advocacy efforts, and contributing even more significantly to the MBA community in the years ahead.
MBA Newslink: What opportunities do you see for collaboration with lenders and servicers?
Prudent AI: Prudent AI’s mission is to “shift left” in the mortgage process by delivering top-of-funnel certainty the moment an application is submitted. Our AI product stack is designed to give lenders immediate clarity that a consumer is truly preapproved—providing accuracy, consistency, and agency-level rigor from the very start of the loan journey. This creates strong opportunities for collaboration with lenders and servicers.
By reimagining the preapproval experience, we help lenders build pipelines filled with loans that have a far higher probability of closing—whether those loans fall under agency or non-agency guidelines. A major area of opportunity is in Non-QM lending.
While many lenders recognize both the value and growing consumer need for Non-QM products, adoption is often slowed by complex underwriting requirements that traditionally demand additional headcount, expanded underwriting teams, and increased manual workload. Prudent AI eliminates these barriers by simplifying guideline interpretation, automating income analysis, and providing a clear, investor-aligned view of a borrower’s ability to repay.
With Prudent AI, lenders can scale Non-QM volume—without scaling staffing. On the agency side, collaboration is equally important. We are deeply committed to aligning with the GSEs to ensure seamless and confident execution for lenders. That commitment is reflected in our recent Fannie Mae integration, and we look forward to expanding collaboration with Freddie Mac to further support lenders across the full credit spectrum.
At Prudent AI, we believe both agency and Non-QM lending play essential roles in meeting the needs of today’s diverse and evolving workforce. By collaborating with lenders and technology partners, we aim to bring simplicity, certainty, and efficiency to every corner of the mortgage ecosystem.
(MBA Premier Member Spotlights are provided by the Mortgage Bankers Association as a service to MBA Premier Members. Publication does not constitute an endorsement of a particular company, product or service. For more information about the MBA Premier Member program, contact MBA Director of Associate Membership Alicia Goncalves, CMB, at agoncalves@mba.org or call 202/557-2920.)
