For NAMB members · Rapidio is a NAMB partner
NAMB members: 3 loans free, then 10% off.
Brokers lose loans late: the underwriter counts the income differently, and the deal is re-priced or dies two weeks in. Run the borrower's documents through Rapidio first and know the qualifying income, the most conservative option and what is missing before you submit, at the NAMB member price.
No card to start. Your first 3 loans are free, then every pay-as-you-go loan is $18.00 instead of $20.
“Rapidio saved me SO much time calculating income for borrowers with complex tax returns. … I didn't feel confident sending a preapproval with an unsure calculation.”
In · 1 PDF, 16 pagesSplit and labeled
Form 1040 · 2025, 2024Schedule C · 2 businessesForm 1065 + K-1W-2 · 2025, 2024
Out · income by borrowerAs little as 3 minutes
- Mary Smith3 income sources · 4 to review$14,467.50
- Thomas Smith3 income sources · 4 to review$15,524.83
Still needed2 items
- Critical. Form 1065 and Schedule K-1 for 2024
- Review. Year-to-date profit and loss statement
Mortgage teams and associations that work with Rapidio
The NAMB member offer
The same service as every customer. A lower price per loan.
Rapidio is an association partner of NAMB. Everyone gets the first loan free. NAMB members get 3, and 10% off every pay-as-you-go loan after that. Everything else, the worksheet, the conditions, the underwriters behind the system, is the same for everyone.
How to claim it
Three steps, no code to type.
-
Sign up with your work email
No card. Run the first loan free, the way every customer does, and see the worksheet on a borrower you already know.
FreeNo cardAs little as 3 minutes -
Send us your NAMB member ID
One email, prefilled for you: your member ID and the email you signed up with. Membership is checked with NAMB, usually the same business day.
One emailMember IDChecked with NAMB -
Two more free loans and the member price go on your account
Loans 2 and 3 are on us. From loan 4, every pay-as-you-go loan is $18.00. Add a card when you are ready for it.
Loans 2 and 3 freeThen $18.00 a loan
How it works
Upload, read, send.
Five steps, drawn from the web app with a sample loan. Click a step, or let it play.
Or send the borrower a linkNo account needed
dd.rapidio.com/upload/…QR codeExpires in 8 hours
Split and labeledEmployment / Income
- Form 1040Page 1
- Schedule CPage 3
- Form 1065Page 6
- Schedule K-1Page 12
- Bank statement, Feb 2025Page 14
Income by tax year2025
- Ordinary income (loss)–$13,875.00
- Guaranteed payments to partner$50,750.00
- K-1 earnings$36,875.00
- Depreciation, added back$48,760.00
- Percentage of ownership50%
Counted deposits22 of 24 statements
- Nov 2024$23,796.92
- Dec 2024$11,780.63
- Jan 2025Missing
- Feb 2025$55,376.11
Still needed2 items
- Critical. Statement for January 2025
- Critical. Statement for March 2026
Documents you need to close3 items
- Critical. Bank statements for January 2025 and March 2026Open
- Critical. Most recent 2 years of Form 1065 and K-1Open
- Review. Source of the $28k deposit in May 2026Review
Drawn from the web app with a sample loan. Then the loan report goes out with the loan, as PDF or DOCX.
GuidelinesFannie MaeFreddie MacFHAVAUSDANon-QM full doc, 1 and 2 yearsBank statement, 12 and 24 months
Where loans fall apart
Three ways a loan falls apart late. What you know instead.
The pre-approval was wrong.
The underwriter counts the income differently and the borrower qualifies for less. Rapidio recommends one option and shows the most conservative one next to it, so you know the low end before you pre-approve.
The loan bounces back.
A missing K-1, a bank statement month, a deposit nobody explained: three rounds of conditions with the lender. Smart Conditions list what the loan still needs and why, before you submit.
The evening with the returns.
Schedule C add-backs, the 1065 and the K-1 by hand, and still no page to point to. The worksheet comes back with the page and line behind every figure, and the loan report goes out with the loan as PDF or DOCX.
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
Against the spreadsheet and the wait for the underwriter.
What changes on a loan when the income is done before it leaves your desk.
Customers
Brokers run it before they submit. A wholesale lender runs it on what comes in.
“We have over 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.”
“The accuracy is phenomenal.”
All reviews and the JetMo result Reviews on G2 Reviews on Capterra
Pricing for NAMB members
3 loans free. Then $18.00 a loan.
One loan covers all its borrowers and income sources, any income type. The member price applies to pay-as-you-go loans. Monthly bundles are priced the same for everyone, from $9.93 a loan.
The member loans and the member price go on your account once your membership is confirmed with NAMB.
Wrong worksheet? The loan is on us. Tell us the loan and the figure. An underwriter checks it, and if the worksheet was wrong, the credit comes back to your account and the loan runs again at no charge.
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 NAMB members ask.
Have another question? Write to service@rapidio.com or book a 30-minute call.
The lender's underwriter calculates the income anyway. Why run it first?
Because the underwriter finds the gaps after you have quoted the borrower and locked the rate. Run the documents first and you know the qualifying income, the most conservative option and what is missing while you can still fix it. The lender's underwriter still reviews the loan and makes the final call.
How do I get the 3 free loans and the member price?
Sign up with your work email and run the first loan free. Then send us one email with your NAMB member ID. Membership is checked with NAMB, then two more free loans and the member price, $18.00 instead of $20, go on your account.
Is there a promo code?
No code to type. Run the first loan free, then send us your NAMB member ID in one email, and the two extra free loans and the member price go on your account. If NAMB gives you a code for Rapidio later, it will work the same way.
Does the member price apply to bundles?
No. Monthly bundles are priced the same for everyone and already bring the price per loan down to $9.93 at 15 loans a month. The member price applies to pay-as-you-go loans.
Can my processor or my team use the same account?
Yes. Add your processor and colleagues to the account, assign loans, and everyone works from the same worksheets. The member price applies to the account.
Will the lender's underwriter reach the same number?
Not always. The lender's underwriter makes the final call and may apply the lender's own overlays. Rapidio shows the most conservative option next to the recommended one, so you know the range before you submit, and every figure opens the page and line it came from.
Does my lender need Rapidio too?
No. You send the lender the loan as you always do, with the loan report as PDF or DOCX if you want to. The lender's underwriter reviews it the usual way.
What if the worksheet is wrong?
Wrong worksheet? The loan is on us. Tell us the loan and the figure. An underwriter checks it, and if the worksheet was wrong, the credit for that loan comes back to your account and the loan runs again at no charge.
Which guidelines and income types does Rapidio cover?
Fannie Mae, Freddie Mac, FHA, VA, USDA, non-QM full doc for 1 and 2 years, and bank statement programs for 12 and 24 months. The income types are wage earner, self-employed on Schedule C, partnership with Form 1065 and Schedule K-1, and bank statement. For another income type, ask us before you run the loan.
I'm a member of AIME or CAMP as well. Which offer applies?
One member offer per account. Tell us the association you want it tied to, and we set that offer. Rapidio is an association partner of NAMB, AIME and CAMP.
Bring three loans you already closed. Compare our worksheets with the lender's.
Your first 3 loans are free as a NAMB member. Then $18.00 a loan instead of $20.