Get to CTC faster with trusted income calculation

Underwriter-reviewed Wage earner & Self-employed calculations in under 20 minutes!

🚀 Rapidio automates wage & self-employed income under agency rules, then adds an UW for bank-level accuracy*. Brokers and lenders cut UW rework 30–40% and free 1.5–3 hours per loan.

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Dual screenshots showcasing the front-end dashboard of Rapidio's software.

🏆 Recognized by the Industry’s Top Platforms:

Max Slusarchuk. CEO

Max Slyusarchuk, AD Mortgage CEO

“We have >6,000 broker partners across 40 states that expect the best. With Rapidio, we deliver on that promise. There’s no other solution that allows cost control at the loan level. This is the future.”

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Automated Income (W-2 & Self-Employed)

Guideline-true income in minutes, human-reviewed!

Upload paystubs/W-2s or SE packages (1040 + Schedules, 1120S/1065 + K-1s). Get an underwriter-ready worksheet with transparent, line-by-line calculation, condition flags, and configurable rules (Fannie Mae, Freddie Mac, FHA, VA, USDA). Typical turnaround time <20 minutes.

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Automated Bank Statement Income (12/24-mo)

No spreadsheets. No manual math. Just fast, accurate results.

Upload 12 or 24 months of bank statements and get calculated monthly income in minutes. Perfect for Non-QM and self-employed borrowers. Includes full PDF report, custom percentages, and human-verified accuracy — without the headache.

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Automated Document Classification

Stop sorting PDFs by hand!

Rapidio instantly recognizes mortgage docs and assigns the correct type (W-2, paystubs, 1040s, K-1s, bank statements, VOE, etc.). Consistent labels, cleaner pipelines, fewer misroutes.

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Trusted by mortgage teams:

Andy Z.
Loan Officer
"My overall experience with Rapidio has been excellent — fast, reliable service with clear communication and consistent results every step of the way. I really like the speed and ease of use when I was trying to caulate income. It's very efficient to use."
Verified Reviewer
Loan Originator
"My overall experience with rapidio has been positive. Very easy to use system and detailed explanation of income calculation. Very easy to use, you just jump right in. I have barely had any need to reach out for additional assistance but in the cases I have it was very prompt!"
Kerrie L.
Loan Officer/Mortgage Broker
"Rapidio saved me SO much time calculating income for borrowers with complex tax returns. The information didn't fit into any of the usual calculation worksheets, and I didn't feel confident sending a preapproval with an unsure calculation. Within 30 minutes of submitting everything to Rapidio I had the full results - including review by their QC dept - AND they called to walk me through it and point out any issues so I could address them before submitting the file. I've used other income analysis companies in the past and Rapidio was by far the easiest and the fastest. I can't recommend it enough!"
Michele A.
Senior Morgage Advisor
"The income is calculated very quickly and also provides conditions and is also viewed by an underwriter. I find this super helpful and saves me so much time. I do not have to calculate income by hand. The customer support is excellent and you can talk out the situation and income with a live underwriter."
Brittanny F.
Mortgage Loan Processor
"Quick and easy to use. Aligning with UW got a lot faster."
Waseem B.
CEO
"We no longer do manual calcs ourselves. The accuracy is phenomenal. Every time we compare Rapidio's income calculations with our lenders', the results match perfectly. It saves us hours and gives us a real edge over the competition."
IMB
CEO
“We have >6,000 broker partners across 40 states that expect the best. With Rapidio, we deliver on that promise. There’s no other solution that allows cost control at the loan level. This is the future.”
Miles M.
Loan Officer
“Apparently I was able to just sign up and start; I didn't realize it was that simple. I decided to do an demo call and they were so polite in helping me understand their product and I really didn't need to be sold on anything. This provides so much value and was exactly what I was looking for. No sales pressure or tactics, just genuine help."

Trusted by Leading Mortgage Companies Nationwide

Pay-As-You-Go

No hidden fees, no minimums.
Pay as you Go · No monthly fee · No minimums
Self-Employed (SE)
$35
/file
Included:
  • Document CategorizationFree
  • Document Type LimitationsUnlimited
  • Page Count MaximumUnlimited
  • Data ExtractionFree
  • Set Up FeeFree
Get 3 free calculations Talk to sales
Pay as you Go · No monthly fee · No minimums
Wage Earner (W-2)
$30
/file
Included:
  • Document CategorizationFree
  • Document Type LimitationsUnlimited
  • Page Count MaximumUnlimited
  • Data ExtractionFree
  • Set Up FeeFree
Get 3 free calculations Talk to sales
Steady volume? Switch to a subscription anytime to lower your $/file.

❓Frequently Asked Questions (FAQ)

How fast are results?

Most files complete in under 15 minutes; simple W-2 runs often faster. You’ll see status in real time.

How accurate is it?

Guideline-true calculation with human-in-the-loop Underwriter on every file. Transparent worksheets make audits and sign-off straightforward. If something looks off, we re-check same day — no charge.

Which guidelines do you support?

Fannie Mae, Freddie Mac, FHA, VA, USDA, plus Non-QM (including 12/24-month bank-statement programs).

 

Can you handle complex self-employed scenarios?

Yes — Schedule C/E/F, 1120S/1065 with K-1s, multi-business ownership, variable income, add-backs, and common edge cases. We flag anything needing UW judgment.

What do I actually get back?

  • Underwriter-ready income worksheet (clear calculation + notes)

  • Condition flags / missing docs

  • For bank statements: eligible deposits, NSFs/anomalies, and the calculated income

Do you integrate with our LOS/POS?

Use our web portal today; API is available. We also support secure SFTP. Ask us about your stack — we’ll connect the dots.

How do you handle security and compliance?

Encryption in transit/at rest, role-based access, audit logs, and data-retention controls. SOC 2 Type 1. 

What file types work?

PDFs, scanned images, and zipped packages. Mixed orientations, multi-page, and bulk uploads are all fine.

How do we start and how long is onboarding?

Create an account (20 seconds), upload a real file, get results — typically in 14 minutes. We’ll walk your team through best practices in a 20-minute call if you’d like.

How is pricing structured?

Pay-as-you-go or subscription. Volume discounts available, plus partner discounts (AIME/NAMB). New customers usually begin with a few free credits to test on real loans.

Can we tune rules to match our overlays?

Yes — configure guideline strategy and overlays (e.g., treatment of bonuses, overtime, declining income, business add-backs). We preserve full transparency on every assumption.

What ROI should we expect?

Teams typically save 1.5–3 hours per file, cut UW rework, and speed approvals. That means more capacity on peak days and faster CTCs.