Document classification
Upload the mess. Open it split and labeled.
A borrower sends one PDF with two years of returns, a K-1 and a W-2 inside, and someone splits it in a PDF tool, names each piece, and does it again when more arrives. Rapidio splits it on upload, labels every piece by type, and opens any of them to the page it came from.
Comes with every loan. From $9.93 a loan in a bundle, $20 pay as you go. No per-page fee.
“… Very easy to use, you just jump right in. …”
Split and labeledEmployment / Income
- Form 1040Page 1
- Schedule CPage 3
- Form 1065Page 6
- Schedule K-1 (Form 1065)Page 12
- Form W-2Page 15
Mortgage teams and associations that work with Rapidio
What you stop doing by hand
The sorting is gone. The page is one click away.
Count it on one self-employed package: 150 pages, 12 documents. At two minutes a document, that is about 25 minutes of splitting and naming per loan, and the same again when the borrower sends more.
How it works
Nothing to rename, nothing to split before you upload.
Four screens, drawn from the web app with a sample loan. Click a step, or let it play.
Drag in PDFs or an archiveIn any order
.pdf.zip.rar.7z.tar.tar.gz.tgz
Or send the borrower a linkNo account needed
dd.rapidio.com/upload/…QR codeExpires in 8 hours
Thomas Smith · Sample Car DealerForm 1040 Schedule C
- Profit or Loss From Business · 2024Page 3 of 16
- 7Gross income$31,000
- 13Depreciation and section 179 expense deduction$500
- 31Net profit or (loss)$30,000
Where it came fromOne click back
Smith_2025_returns.pdf · page 3 of 16Document page 1 of 2
Employment / IncomeMatching
- Schedule K-1 (Form 1065) · 2025Page 12
- Schedule K-1 (Form 1065) · 2024Page 14
RelatedSame partnership
- Form 1065 · 2025Page 6
FormatPick one
ZIP archiveMerged PDF
GroupingFolders inside
Document typeBorrowerEmployerCategory
Name of each documentBorrower + type
- ExampleJohn Smith_Paystub.pdf
Drawn from the web app with a sample loan. The same labeled documents feed the income calculation and the conditions.
Labels todayPaystubForm W-2Written VOEForm 1040Schedules B, C, D, EForm 1065Schedule K-1Bank statementsNot yet: assets, credit, property, title, closing
Where the hours go
Three things a processor does by hand. What you get instead.
Splitting the 90-page PDF.
The borrower scans everything into one PDF: returns, W-2s, a K-1, a few blank pages. Someone splits it in a PDF tool and types a name for each piece. Rapidio splits it on upload and labels every piece by type.
Finding the page again.
“Which page was the K-1 on?” means scrolling the original. In Rapidio every document opens to the page it came from, and the viewer shows both: the document page and the page in the original PDF.
Renaming everything for the lender.
Each lender wants the documents named and ordered its way. Rapidio exports the set as one merged PDF or a ZIP, grouped by borrower, employer or document type, with the borrower's name and the type in every document's name.
Not AI alone. Experienced underwriters stand behind the system. A loan that needs a human eye gets flagged for review, and borrower documents are seen only by the assigned internal underwriter, under NDA.
Compared
One upload, by hand and with Rapidio.
What changes between the borrower's email and the first look at the income.
Who uses it
The same upload, seen from 4 desks.
Brokers and loan officers
Send what the borrower sent you.
Forward the PDFs as they came, or send the borrower the upload link. Nothing to rename or split first.
For brokersProcessors
Stop splitting PDFs by hand.
A combined PDF comes back as separate documents, each labeled by type, searchable, and ready to export for the lender.
For processorsUnderwriters and QC
Go from a figure to its page.
Every figure in the worksheet opens the document and the page it came from, in the original PDF.
For underwritersLenders and banks
The same structure on every loan.
Whoever uploaded it, the loan arrives with the same labels and the same export, from every branch or broker.
For lendersPricing
Included in every loan. No per-page fee.
A loan is from $9.93 in a bundle, $20 pay as you go, for any income type. Classification comes with it, however many pages or documents the borrower sends.
- Documents split and labeled by type
- Every document open to its page in the original
- Search, and export as PDF or ZIP
- Income calculated to the guidelines you pick
- Smart Conditions and the loan report
- Secure upload link for the borrower
Security
- SOC 2 Type 1 report
- Encrypted in transit and at rest
- Role-based access with 2FA
- Borrower documents seen only by the assigned internal underwriter, under NDA
More about the product
FAQ
Questions about document classification.
Have another question? Write to service@rapidio.com or book a 30-minute call.
Is this a separate product from the income calculation?
No. Classification comes with every loan and is the first step of it: Rapidio splits and labels the documents, then calculates the income from them. The labeled documents are yours as well, to search, page through and export for the lender.
Which documents does Rapidio label?
Employment and income documents: paystubs, W-2s, written verifications of employment, Form 1040 and its Schedules B, C, D and E, Form 1065 and Schedule K-1, and bank statements. Asset, liability, credit, property, title and closing documents are not labeled yet.
What happens to a PDF with several documents in it?
Rapidio splits it into separate documents. Each one appears in the list under its own type, and the viewer shows which page of the original PDF it came from, so you can open the original in one click.
What can I upload?
PDFs, one by one or inside a .zip, .rar, .7z, .tar, .tar.gz or .tgz archive, in any order. Save a photo or a scan as a PDF before you upload it. You can also send the borrower a secure upload link or QR code.
How are the documents exported?
As one merged PDF or as a ZIP archive, grouped by borrower, employer, category or document type. Each document can carry the borrower's name, the employer's name and the document type in its name, for example John Smith_Paystub.pdf.
Do I pay extra for classification?
No. It comes with every loan: from $9.93 a loan in a bundle, $20 pay as you go, whatever the number of pages or documents.
How long does classification take?
It runs when you submit the loan, as part of the same job. Loans come back in as little as 3 minutes.
Does a person check the labels?
Rapidio labels the documents when you submit the loan. When a loan needs a human eye, it gets flagged for review and an experienced underwriter looks at it. You can also check any label yourself: every document opens to its page in the original.
What is mortgage document classification?
It is the step that identifies each page of a borrower's upload and indexes it by document type, such as paystub, W-2 or tax schedule. Rapidio does it when you submit a loan, so the income calculation starts from sorted documents.
Take the messiest loan on your desk. Upload it unsorted.
See the documents labeled and the income calculated. The first loan is free. Loans are back in as little as 3 minutes.