Vaultedge Income Analyzer vs Prudent AI ( Formerly Zen OCR)

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.