Integrations and API
Income, inside your system.
Your team lives in its LOS, and the income arrives as a spreadsheet by email. Send the documents through the REST API instead, and the loan report and the conditions come back where the loan already is: your LOS, POS, CRM or platform.
The web app needs no integration. For the API, your developers or your LOS vendor connect it, and we walk through the flow with them.
“We have over 6,000 broker partners across 40 states that expect the best. With Rapidio, we deliver on that promise.”
Conditions2 open
- Critical. Form 1065 and Schedule K-1 for 2024 Reason: the 2024 return is not in the loanOpen
- Review. Year-to-date profit and loss statement Reason: tax year ended over 120 days agoOpen
Loan reportAs agreed with you
PDFDOCXStructured data
Mortgage teams and associations that work with Rapidio
In numbers
Prove the result first. Build second.
Your team sees Rapidio's worksheets on its own loans in the web app before anyone writes code. The API comes when you are ready.
The API flow
Send documents. Get the loan report back.
Four screens, drawn from the web app with a sample loan. Click a step, or let it play.
In the callAll borrowers, all documents
- BorrowersMary Smith, Thomas Smith
- GuidelinesFannie Mae
- DeliveryWebhook
Documents split and labeled5 from 1 PDF
Form 1040Schedule CForm 1065Schedule K-1Form W-2
Income calculatedTo the guidelines
- Mary Smith3 income sources$14,467.50
- Thomas Smith3 income sources$15,524.83
- Conditions listed2 open
- Review. A flagged loan only: the assigned internal underwriter, under NDA.
In the resultAs agreed with you
- Loan reportPDF, structured data, or both
- Conditions2 open, with the reason
- WorksheetEvery figure with its page and line
Webhook to your endpointOr poll with the job ID
Loan summaryPage 1
- Total monthly income$29,992.33
- BorrowersMary Smith, Thomas Smith
- InvestorFannie Mae
Who uses itEnterprise accounts
Lenders with a broker portalPlatformsPOS and CRM vendors
Drawn from the web app with a sample loan. The format of the result and the calculation option it carries are agreed with you when we build the integration.
GuidelinesFannie MaeFreddie MacFHAVAUSDANon-QM full doc, 1 and 2 yearsBank statement, 12 and 24 months
3 ways to run Rapidio
Web app, REST API, or under your own brand.
Rapidio does the calculation in all 3. What changes is where your team sees the loan report and the conditions.
Web app
Your team signs in and runs loans. Roles, assignments and an activity record inside every loan. Works without any integration, and loans come back in as little as 3 minutes.
Run your first loan freeREST API
Your developers or your LOS vendor connect it: your system sends the documents, receives a job ID, and gets the loan report and the conditions back by webhook or polling.
How the flow worksWhite-label reports
For enterprise accounts: lenders with a broker portal, platforms, POS and CRM vendors. Your logo in the admin panel and on the loan report, and Rapidio does the calculation behind it.
Where the result can goWhere the result can go
Where the loan report ends up.
LOS
Once your developers or your LOS vendor connect it, your LOS sends the documents, and the loan report and the conditions come back next to the loan.
POS
A POS can send the borrower's documents at application and show the loan officer the qualifying income and the conditions before the loan moves on.
CRM
A CRM can attach the income result to the lead or the deal, so the sales team sees the qualifying income next to the contact.
Platforms and broker portals
White-label reports for your users, with the REST API behind them. We set it up together on a call.
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
An API you can try before you buy it.
Four places where the Rapidio API differs from the enterprise document platforms. No names here. Ask us on a demo for a side-by-side.
How an integration runs
Three steps, and no code before the result is proven.
-
Start in the web app
Your team runs its own loans and compares the worksheets with your underwriters'. Lenders run this as a free pilot week.
Web appYour loansFree pilot week -
Walk through the API
On a call with your developers or your LOS vendor, we go through the documentation and the flow, agree on the format of the result and the calculation option it carries, you choose webhook or polling, and we issue test keys.
DocumentationFormatWebhook or pollingTest keys -
Connect and roll out
The integration is part of your enterprise contract. Your system sends the documents and shows the result, under your logo if you want it.
ContractRolloutWhite-label
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
Running a vendor review? Write to service@rapidio.com and ask for the SOC 2 report and the security policies before your developers start.
More about the product
FAQ
Questions developers and product teams ask.
Have another question? Write to service@rapidio.com or book a 30-minute call.
Do we have to integrate to use Rapidio?
No. Teams start in the web app and plan the integration later, if at all. The API is for teams that want the loan report and the conditions inside their own system.
What does the API do?
You send the borrower's documents and receive a job ID. When the loan is done, you receive the loan report and the conditions by webhook, or you poll for them. The format of the result, PDF or structured data or both, and the calculation option it carries are agreed with you when we build the integration.
Which LOS, POS or CRM does it work with?
The REST API is built for your LOS, POS or CRM. Your developers or your vendor build the connection on your side. Tell us which system you use, and we will walk through it on the demo.
Is there documentation and a way to test?
Yes. We share the API documentation and issue test keys on the call with your developers. Before that, your team can run its own loans in the web app and compare the worksheets with your underwriters'.
Which document formats does the API accept?
PDF, and archives: .zip, .rar, .7z, .tar, .tar.gz and .tgz. Photos and images go in as PDF. One call per loan, with all its borrowers and documents.
How do we authenticate and test?
With API keys. We issue test keys and share the documentation on the call with your developers, and we walk through the flow together before anyone writes code.
What happens when a loan is flagged for review?
It goes to the assigned internal underwriter at Rapidio, under NDA, and the result comes back the same way as any other loan, by webhook or polling. Your team reviews it and makes the lending decision.
Can our users see the result under our brand?
Yes, on an enterprise account. Your logo goes into the admin panel and onto the loan report, for a platform's users or a lender's broker portal. We set it up together on a call.
How is it priced?
The web app is from $9.93 a loan in a bundle, $20 pay as you go, with no setup fee. The API comes with an enterprise account, priced by volume, and the integration itself is agreed in the contract, on a call.
Who sees the documents we send?
Data is encrypted in transit and at rest, and access is role-based with 2FA. At Rapidio, borrower documents are seen only by the assigned internal underwriter, under NDA. Rapidio has a SOC 2 Type 1 report; ask for it before your review.
Bring your developers to the demo. We walk through the API together.
30 minutes. The flow, webhook or polling, and what your system will receive.