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New Automated Underwriting System (AUS) purpose-built for the Non-QM lending market shifts underwriting decisions to the start of the loan lifecycle by using verified borrower data and aligning directly with investor-specific guidelines

June 6, 2025 //  by Finnovate

Prudent AI has launched the industry’s first 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. Purpose-Built for Modern Lending Prudent AI’s Upfront AUS: Uses verified income, credit, and asset data at submission; Applies investor-specific guidelines; Assess eligibility and conditions to clear; Offers a dual-phase review: upfront qualification and downstream consistency; Is built from the ground up to support the complexity and flexibility of Non-QM lending. Real Impact for TPOs and Lenders include: TPOs benefit from faster submissions, fewer conditions, and clearer investor alignment; Lenders gain efficiency, reduce rework, and expand underwriting capacity without adding headcount; Operational teams get cleaner data pipelines and scalable exception management.

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