Prudent AI has unveiled the industry’s first AI-powered platform fully integrated with Fannie Mae’s Income Calculator, promising to streamline mortgage lending and transform borrower assessment. The enterprise-ready solution delivers instant, qualified income calculations with speed, precision, and compliance eligibility for Fannie Mae representation and warranty relief.
For lenders, the impact is immediate. Traditional solutions often require manual data entry across multiple systems, creating bottlenecks and operational overhead. Prudent AI’s platform leverages intelligent automation to recognize every business type and income stream—including rental income—instantly. Comprehensive income analysis is delivered in real time, and the platform integrates seamlessly with any loan origination system (LOS) via API.
Key features include:
- AI Automation: Fast, accurate Fannie Mae-compliant calculations from document upload to final determination.
- Universal Income Coverage: Handles all business structures and rental income without errors.
- Instant Compliance Confidence: Pre-emptive validation reduces rework cycles, ensuring operational efficiency.
According to Srikanth Rajaraman, Co-Founder of Prudent AI, “Full automation changes everything. Lenders get consistent Fannie Mae income calculations in seconds. Our AI handles the entire complexity every time.”
Jayendran GS, Co-Founder, adds, “We’ve eliminated the operational barriers that forced lenders to turn away profitable business. Complex income borrowers represent massive opportunity, and now lenders can capture it without operational strain. This isn’t incremental improvement—it’s a complete transformation of what’s possible.”
By automating complex income calculations, Prudent AI empowers lenders to scale operations without proportional overhead increases, unlocking market segments previously considered too operationally demanding. For lenders aiming to stay competitive, this platform represents not just efficiency gains but a strategic advantage in the evolving mortgage landscape.
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