AI Mortgage Income Calculation (Fast & Accurate) | Rapidio
Stop keying and start clearing. Rapidio’s AI + human QC delivers underwriter-ready income math and smart conditions in minutes — so your team moves faster with fewer surprises.
Rapidio: The Fastest, Most Accurate AI Mortgage Income Calculation Platform
If you’re a loan officer, processor, underwriter, or broker, you know income math is complex and error-prone. Rapidio automates the grind and standardizes calculations — reducing delays, conditions, and redraws.
Core Features
Document Classification
Reads and correctly names uploads (pay stubs, W-2s, 1040s, VOE, leases, bank statements).
Data Extraction
Pulls income fields from each document and normalizes them for consistent math.
Guideline-Aligned Math
Applies the right calculation by investor program and years of docs provided.
Smart Conditions
Flags missing items and likely UW asks so you can clear conditions proactively.
Underwriter-Ready Output
Delivers a transparent worksheet with assumptions and line-item provenance.
Turnaround
Average completion in ~17 minutes per fileAI + human QC
What Types of Income Does Rapidio Support?
- Wage earner income — including variable pay, bonuses, commissions, overtime
- Self-employed — sole proprietors, 1099 borrowers, Schedule C/K-1
- Business income
- Retirement income
- Rental income & lease agreements (Schedule E)
- Bank statement income analysis
No matter how complex the profile, Rapidio standardizes the math and provides a clear audit trail for UW and QC.
AI Document Classification for Mortgages
Our system automatically reads, identifies, and organizes uploads — from pay stubs and tax returns to VOE, leases, and bank statements — saving processors and underwriters hours per file and reducing errors. Pair classification with Automated Document AI and Income Analysis for best results.
Smart Conditions: Stay Ahead of Underwriting
- Identify missing documents early
- Surface potential UW flags before submission
- Clear conditions proactively and reduce time-to-close
Customizable to Your Business Needs
| Area | Options | Value |
|---|---|---|
| Guideline overlays | Configure internal rules & thresholds | Match investor/lender posture |
| Integrations | API, SFTP, LOS/POS/CRM connectivity | Fewer clicks; cleaner handoffs |
| Whitelabel | Custom branding and UX | Offer a seamless in-house experience |
Simple, Affordable Pricing
- $20 per wage-earner file
- $20 per self-employed file
- Discounted rates for members
- No limits on borrowers, income types, or number of documents per file
Fast Mortgage Income Calculation — with Human Accuracy
- Every file is reviewed by our human QC team
- QC staff available via email for questions
- Average turnaround ~17 minutes per file
Why it matters: AI speed plus human oversight reduces conditions and redraws—so you hit SLAs with confidence.
Who Uses Rapidio?
- Mortgage brokers & direct lenders
- Loan officers & processors
- Underwriters & QC departments
