Vaultedge Income Analyzer vs Prudent AI ( Formerly Zen OCR)

Choose Vaultedge to make things easy for you and your team

Used by the leading
Mortgage companies

What is Prudent Ai ( Formerly Zen OCR) ?

Prudent AI is an income calculation solution that auto-calculates qualified income by classifying deposit transactions into various income and non-income categories & applying the ownership/expense factor.

3 Key Differences that make Vaultedge Income Analyzer the perfect alternative to Prudent AI

Proprietary Machine learning

Vaultege and Prudent both use AI for extraction and income calculation. However prudent has a background in audit technology and it offers OCR-based document recognition capabilities for underwriters.

On the other hand, the Vaultedge Income analyzer is built on top of the  Vaultedge Mortgage Automation and uses proprietary machine learning models & natural language processing to interpret documents & data as a human would. 

This means Vaultedge can handle both structured & unstructured data with much higher accuracy than an image processing-based OCR technology.

Data Accuracy

Prudent claims to provide 100% accuracy when it comes to bank statement analysis. However, the accuracy on other documents is unclear and not mentioned on their website.

Vaultege has the industry’s most accurate data extraction software. On top of that, Vaultedge offers 100% review of the software-generated report before it is sent to the user.

Vaultedge Income Analyzer can be used standalone as well as integrated with LOS; this makes it an ideal tool for both Loa Officers and Loan Processors/Underwriters.

Document Handling

Prudent AI can only handle income verification and calculation from tax and wage documents.

Vaultedge can handle mortgage documents from any format for verifying income, employment, assets, and application, along with tax documents.

It can automatically index mortgage origination documents and map them back into Encompass or your LOS.

Comparison

Vaultedge vs Prudent AI

Capabilities
Vaultedge
Prudent AI
Human-in-the-loop Machine Learning
Implementation in production
Implementation in 4 weeks flat
Unknown
Financial calculation including cash flow analytics
API integration to LOS available
Can be used stand-alone without integration,
Encompass Integration
Identify missing documents from a package
Spot inconsistencies between multiple documents
End to End Decision making
Users can override data in case of any discrepancy
Supported Income Types
All income type outlined in the FNMA, FHLMC, and FHA guidelines
Supports a limited set of mortgage document types
Pricing
Automated Income Calculation
For W2 - $10 per loan
For Self-employed
-$20 per loan
No hidden charges
Not available on website
GSEs Guideline Compliance
Fannie Mae Form 1084
Freddie Mac Form 91
Human-in-the-loop Machine Learning
Implementation in production
4 weeks flat
Financial calculation including cash flow analytics
API integration to LOS available
Can be used stand-alone without integration,
Encompass Integration
Identify missing documents from a package
Spot inconsistencies between multiple documents
End to End Decision making
Users can override data in case of any discrepancy
Supported Income Types
All income type outlined in the FNMA, FHLMC, and FHA guidelines
Pricing
Automated Income Calculation
For W2 - $10 per loan
For Self-employed
-$20 per loan
No hidden charges
GSEs Guideline Compliance
Fannie Mae Form 1084
Freddie Mac Form 91
Human-in-the-loop Machine Learning
Implementation in production
Unknown
Financial calculation including cash flow analytics
API integration to LOS available
Can be used stand-alone without integration,
Unknown
Encompass Integration
Identify missing documents from a package
Spot inconsistencies between multiple documents
End to End Decision making
Users can override data in case of any discrepancy
Supported Income Types
All income type outlined in the FNMA, FHLMC, and FHA guidelines
Supports a limited set of mortgage document types
Pricing
Automated Income Calculation
Not available on website
GSEs Guideline Compliance
Fannie Mae Form 1084
Freddie Mac Form 91

The difference is in our DNA

We’re enterprise software creators, users and consultants.

Zero Learning Curve

As per 3rd party review sites like G2 and Capterra, Blueprint’s navigation is complex and requires training which is only offered in their enterprise plan.

Vaultedge is simple and easy to use. It is as simple as checking your email and needs no training at all.

Featured In

What clients say about us

" We used Vaultedge to automate the indexing of loan documents that we receive from all our lender partners, amounting to more than a million documents every month. This enabled us to move 70% of people from Document Recognition to other processes."
picture of Michael Kittyle CIO, BSI financial services

Michael Kittyle

CIO, BSI Financial Services

" Vaultedge automatically indexes our Mortgage documents and extracts 300 data fields from them, enabling us to save 80% of Post Close Audit process time. Vaultedge is helping us improve our Time to Close and Cost to Close metrics."
confident looking man

SVP, Record Services

Top Mortgage Servicer

Choose the right solution

If you are still confused, then talk to our automation expert today.

Confident woman smiling