Prudent AI, which offers AI-driven mortgage technology, has launched an upfront automated underwriting system (AUS) purpose-built for the non-QM lending market.
The new system shifts underwriting decisions to the start of the loan lifecycle by using verified borrower data and aligning directly with investor-specific guidelines, enabling lenders and brokers to scale confidently with fewer exceptions and greater certainty.
Prudent AI’s Upfront AUS introduces a fundamental shift: moving critical underwriting logic upstream, where it can deliver the highest impact — enabling faster, cleaner, and more compliant decisions before loans enter underwriting queues.
“The future of underwriting starts upfront,” says Steve Abreu, CEO of Newfi Lending, in a release. “At Newfi, we believe that giving brokers clarity at the point of submission is the key to unlocking scale in Non-QM. We’re excited to partner with Prudent AI to build the tech platform that makes this future possible.”
Prudent AI’s Upfront delivers verified income, credit and asset data at submission and applies investor-specific guidelines at the start of the process.
It automatically assesses eligibility and conditions to clear and offers a dual-phase review: upfront qualification and downstream consistency.
The firm claims the solution is built from the ground up to support the complexity and flexibility of non-QM lending
“Angel Oak has been committed to growing the non-QM market since 2013, and our collaboration with Prudent AI, along with the utilization of Prudent AI Upfront AUS solution, will be instrumental in helping us continue to lead that growth,” says Tom Hutchens, president, Angel Oak.