Pricing
From $9.93 a loan in a bundle.
$20 a loan pay as you go, any income type. Bundles of 3, 8 or 15 loans a month bring it down to $9.93.
No card to start. Then $20 per loan.
- Loans back in as little as 3 minutes
- Wrong worksheet? The loan is on us.
- No setup fee, no minimum, no annual contract
$16.50 per loan with the 8-loan bundle. You switch a bundle on in your account.
Mortgage teams and associations that work with Rapidio
Plans
Pick how you pay.
The same service at every price. A bundle only changes what you pay per loan.
First loan free for everyone. Bundles switch on in your account and cancel any time. Extra loans $20 each, no carry-over. In the app, a loan is called a credit.
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.
Enterprise Fits your month
More than 15 loans a month? The price follows your volume.
For lenders, banks, review firms and larger teams. A free pilot week on your own loans first, then a contract at a price set by your volume.
- A free pilot week on your own loans, with no contract
- Your account set up for your programs, guidelines and conditions
- Roles and assignments for your team, with the activity inside every loan
- REST API for your LOS, POS or CRM, and reports with your logo
- The same worksheet, options and conditions on every loan
NAMB, AIME or CAMP member? up to 10% off pay-as-you-go loans. Run the first loan free, then send us your member ID. The member offers
After Start free
What happens next.
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Sign up, no card
A work email and a password. The first loan is free.
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Upload the first loan
Paystubs, W-2s, tax returns or bank statements. The worksheet comes back in as little as 3 minutes.
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Decide with the result in hand
A walkthrough call if you want one. Then $20 a loan, or a bundle in your account.
Included
Every loan includes
Nothing is an add-on. A loan at $20 and a loan in a bundle get the same service.
- Income calculated to agency, government and non-QM guidelines
- The worksheet with the source document behind the figures
- Smart Conditions for the loan
- Documents split and labeled by type
- Loan report to export as PDF or DOCX
- Human review when a loan is flagged
- Add documents to the same loan when they arrive, and run it again at no charge
- Secure upload link and QR code for the borrower
- Team roles and access controls
- A walkthrough call after your first loan, then support by email
The unit
What counts as one loan.
One loan covers all its borrowers and income sources. The price does not grow with the number of documents or pages.
Documents that arrive later go into the same loan, and running it again is free.
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
Capterra 5.0 / 5, 5 reviews as of September 2026 Read them on Capterra On G2
More about the product
FAQ
Questions about the price.
Have another question? Write to service@rapidio.com or book a 30-minute call.
What does Rapidio cost?
The first loan is free. Then $20 per loan for any income type. Monthly bundles lower the price: 3 loans for $49, 8 loans for $99, and 15 loans for $149, which is $9.93 per loan. Enterprise accounts are priced by volume.
What counts as one loan?
One loan covers all its borrowers and income sources. In your account it is one credit. A single W-2 borrower and a borrower with 2 businesses cost the same. For a bank statement program, one loan covers 12 or 24 months of statements, for one account or several, and the price does not grow with the number of pages.
Is there a setup fee or a monthly commitment?
No setup fee, no monthly minimum and no annual contract. Pay as you go has no commitment at all. A bundle is a monthly plan at a lower price per loan, and you can cancel it at any time.
How do bundles work, and when do they pay off?
You choose 3, 8 or 15 loans a month in your account and pay one monthly price. Loans beyond the bundle cost $20 each, and unused loans do not carry over. Compared with $20 a loan, the 3-loan bundle pays off from 3 loans a month, the 8-loan bundle from 5, and the 15-loan bundle from 8. The calculator at the top of the page shows the lowest cost for your number.
Do I need a card to start?
No. Your first loan is free, no card needed. After that, add a card and pay $20 per loan, or choose a bundle.
How do I pay?
By card. Rapidio uses Stripe, so you can add a card and run a loan the same day, with no invoicing.
What does an enterprise account cost?
A price per loan set by your volume, on a contract. It starts with a free pilot week on your own loans. Then we set up your account for your programs, guidelines and conditions, add roles for your team, and connect the REST API and reports with your logo if you want them. Lenders, banks, review firms and teams above 15 loans a month start this way. How the pilot week runs.
What if the worksheet is wrong?
Wrong worksheet? The loan is on us. Tell us the loan and the figure, from your account or by email. An underwriter checks it. If the worksheet was wrong, the credit for that loan comes back to your account, and the loan is run again at no charge.
Do you charge per page?
No. The price is per loan. Document classification, the worksheet, the conditions and the loan report are all included.
What happens when new documents arrive?
Add them to the same loan and run it again. Running a loan again is free. For a bank statement loan, the missing months are named, so you know which statements to ask for.
Is there an offer for NAMB, AIME and CAMP members?
Rapidio is an association partner of NAMB, AIME and CAMP. Sign up with your work email, run the first loan free, then write to us with your association and member ID. The member price, up to 10% off, goes on your account and applies to loans at the per-loan price, not to bundles.
Start with one loan. Decide with the result in hand.
The first loan is free. Then $20 per loan, any income type, until a bundle makes sense for you.