Automated Income Calculation with Senior UW Review

Instantly calculate borrower income from paystubs, W-2s, 1099s, bank statements, or tax returns.

🚀 Daft income in minutes. Final, UW-verified report under 20 minutes. Win speed-to-quote, reduce redraws, and turn agents into repeat referrers with Smart Conditions, DU/LP-ready outputs, and a complete audit trail.

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🏆 Recognized by the Industry’s Top Platforms:

Revenue levers we unlock

Win more conversations, move more files, and close more deals — without adding headcount. One closed deal often covers a full year of Rapidio. Win or save just one loan with faster, defensible income — the tool has paid for itself. Everything after is upside.

1) Win the first conversation

Draft numbers in minutes → you quote confidently before the borrower shops elsewhere

Clear, simple **Smart Conditions** you can text/email right away

2) Keep files moving

Fewer re-asks and redraws — borrowers know exactly what to upload

Audit-ready math reduces pushback later (less stall near CTC)

3) Turn agents into repeat referrers

Share clean, forwardable summaries — agents see you run a tight file

Fewer last-minute surprises → more trust, more referrals

4) Do more with the same team

–30–45% less manual time per file → more outbound, more deals

Standardized outputs shorten ramp for new LOs/assistants

What you get per file

UW-Verified Income Calculation

Transparent formulas with source links

Agency, FHA & VA strategies (DU/LPA workflows)

Overrides with explanations, fully logged

Smart Conditions Checklist

Precise checklist for missing documents

Status “More documents needed” (no false precision)

Auto-updates as new docs arrive

DU/LP/LOS-Ready Outputs

Standardized report for DU, LPA and LOS hand‑off

Co‑branded borrower & agent summaries

API & webhooks for instant sync

How it works:

01. Classify Documents

Auto-sort W2/1040/K-1/VOE/Bank Statements and more.

02. Extract Fields

Pull exactly the fields your guidelines require (Form 1120/1120S, K-1s).

03. Calculate Income

Agency + FHA/VA strategies, trend checks, caps, self‑employed, rental, and variable income.

04. UW & Conditions

Senior UW review + Smart Conditions + full audit trail and versioning.

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More selling time, fewer stalls, cleaner files

less manual time per file → more capacity to sell
0 %

W‑2 with variable income

YTD trend check, proper averaging, conditions to confirm stability.

Self‑Employed (K‑1/1120S)

Add‑backs, exclusions, sustainable income even with volatility.

Bank Statements

Recurring deposits detection, transfer filtering, income stability.

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

Your volume, your price

Simple graduated tiers. The more you submit, the less you pay - every tier includes the same full-service bundle.

1-49 files

$20/file

All-in bundle include

Start free

50-99

$17/file

Same features, lower price

Talk to sales

100-199

$14/file

For growing teams

Talk to sales

200-399

$11/file

Scale with confidence

Talk to sales

400+

$9/file

Custom agreement

Custom quote

❓Frequently Asked Questions (FAQ)

Is this accurate enough for underwriting?

Yes. Deterministic, reproducible math with links from each figure to the exact document page/field. Overrides and notes are logged in a full audit trail.

How fast are results?

Draft income in 5–10 minutes. With complete docs, the final worksheet is ready in under 30 minutes.

Do you support self-employed and bank-statement income?

Yes. K-1/1120S, 1099, rental income, and bank-statement files with stability checks and transfer filtering.

 

Will this reduce conditions and rework?

Yes. Smart Conditions tell borrowers exactly what to upload up front, so there are fewer re-asks, redraws, and end-of-file surprises.

What if the file is tricky or borderline?

We flag declining/volatile income, gaps, and layered risk. Enable Human QC or route to a senior underwriter when needed.

Can I explain the numbers to an agent or borrower?

Yes. The worksheet is audit-ready and sharable with clear rationale and source links — easy to walk through on a call.

Does Rapidio work with my LOS/POS/CRM?

Yes. Export to PDF/Worksheet and connect via API/Webhooks to your LOS/POS/CRM.

Are overrides allowed?

Yes. You can add notes and documented overrides. Everything is captured in the audit trail.

Which guidelines are supported?

Fannie Mae, Freddie Mac, FHA, and VA, with configurable strategies (averaging windows, caps, trend checks).

How does Rapidio help me win more deals?

You get a defensible number fast, Smart Conditions reduce back-and-forth, and files move without last-minute surprises — so you can quote confidently and close more.

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