Income Calculations Without the Back-and-Forth. Cut Income Touches. Close Faster.

AI-assisted income calculation for mortgage brokers & underwriters – FHA/VA/GSE and more, audit-ready, UW-reviewed. CAMP benefit: 10% off + 1 free calculation.

Get up to 10% off
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No setup fees. No monthly commitment. Start in minutes. 

Works great for: Brokers, Lenders, Ops Teams, Underwriters

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Trusted by Industry Leaders :

Why Income First (and nothing bloated)

Competitors bolt on dozens of “nice‑to‑have” features. We obsess over the one thing that eats your time and kills approvals: accurate, guideline‑aligned income.

  • Win the first conversation: get a confident range in minutes.
  • Be lender‑ready before you submit: fewer re‑asks, fewer redraws.
  • Focus = speed. No bloat – just income that funds.
Case Studies & Reviews

What you get per file

Instant Income, Agency‑Aligned
Fannie Mae, Freddie Mac, FHA, VA, Non‑QM, USDA – with math you can audit.

Smart Conditions
Know exactly what to ask next to unlock the approval path.

Free Iterations & Re‑Runs
Docs drip at 10pm? Re‑run for free, keep momentum.

UW‑on‑File + AI
Your personal UW assistant + AI for edge cases and nuance.

Audit‑Ready Final Report
Clean math, assumptions, and guideline callouts.

Our services

  • Calculate qualifying income for W-2 and self-employed scenarios with a clear audit trail.
  • Reduce rework with findings + smart conditions that tell your team exactly what to request next.
  • Receive a final income report fast – built for “Clean File First” underwriting workflows.

Explore Automated Income Calculation ->

“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.”
Max Slyusarchuk
CEO, A&D Mortgage
  • Analyze deposits, cash flow, and recurring patterns to support bank statement programs.
  • Flag volatility and gaps early – so your team avoids conditions ping-pong.
  • Deliver an underwriting-ready summary with a transparent calculation trail.

Explore Bank Statement Income Calculation ->

"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."
Waseem Bari
CEO, JetMo LLC
Bank Statement Example
  • Instantly organize income docs (paystubs, W-2s, tax forms, bank statements) for faster review.
  • Reduce missing docs and misfiles with clear labels and file-level findings.
  • Speed up processors and underwriters with a consistent, searchable document set.

Explore Automated Document Classification ->

"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."
Andy Zhao
CEO, KAI Mortgage
Document Classification Example

Calculate Income Like an Underwriter - In Minutes

See Rapidio in Action

🏆 Recognized by the Industry’s Top Platforms:

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Customers reviews

Trusted by mortgage teams:

"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 calculate income. It's very efficient to use."
Andy ZhaoCEO
"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!"
Verified ReviewerLoan Originator
"Rapidio saved me SO much time calculating income for borrowers with complex tax returns. Within 30 minutes of submitting everything to Rapidio I had the full results - including review by their QC dept. 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!"
Kerrie L.Loan Officer / Mortgage Broker
"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."
Michele A.Senior Morgage Advisor
"Quick and easy to use. Aligning with UW got a lot faster."
Brittanny F.Mortgage Loan Processor
"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."
Waseem B.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.”
IMBCEO
“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."
Miles M.Loan Officer

Exclusive CAMP Member Offer - Get 10% Off and 1 FREE Calculation!

✔ 10-minute income calculations for wage earners, self-employed, and bank statements.
✔ Fully automated document processing – no manual data entry.
✔ Guideline-based conditions for underwriting – ensuring compliance with FHA, USDA, Non-QM, and more.
✔ Unlimited iterations – adjust and refine calculations at no extra cost.
✔ Real-time analytics and insights.

🚀 Start Automating Your Income Calculations Today!

Frequently Asked Questions (FAQ)

Most frequent questions and answers

CAMP is the California Association of Mortgage Professionals. camp.org

We cover the scenarios that slow teams down most: W-2 + paystubs (including OT/bonus/commission), multiple jobs, self-employed (tax returns / Schedule C / K-1), and 12/24-month bank statement income (Non-QM).

Typical turnaround is minutes (depending on doc type and volume). If you need a formal SLA for your team, we can align it during onboarding.

You get:

  • Income Worksheet (PDF) with calculations and totals

  • Breakdown so it’s easy to review

  • Conditions / missing items clearly listed (what’s needed to clear)

Members of CAMP (California Association of Mortgage Professionals) receive 1 free credit for 14 days plus preferred pricing. Click “Claim CAMP Offer”, register with your work email, and follow the on-page instructions to activate the member benefit.

We use secure access controls and standard encryption practices. If your team needs a security package for review, we can provide it during procurement/onboarding.

Two options:

  • Click “Claim CAMP Offer” and submit your first file in minutes

  • Or book a 15-minute demo and we’ll set up workflow preferences + best practices for your team