Introduction to Rapidio

Rapidio automates complex underwriting steps with component‑based services so lenders and brokers can move faster with confidence. Our approach removes repetitive work and improves outcomes for Underwriters, Loan Officers & Brokers, and Lenders.

Vision & Mission

We see industry challenges as chances to innovate. Rapidio focuses on efficiency, accuracy, and borrower experience, using components that plug into your LOS/POS/CRM via Integration Partnerships.

Rapidio: A Revolution in Mortgage Lending

Traditional workflows rely on paper, manual checks, and fragmented tools. Rapidio replaces this with component services: document classification (included at $0), automated income verification, and income calculation & eligibility. The result: fewer errors, faster decisions, and clear provenance for audits.

The Underwriting Process — Simplified with Rapidio

Traditional challenges

Manual data entry, inconsistent rules, and long handoffs slow approvals and increase redraws. Staffing for peaks is costly; training on edge cases is time‑intensive.

Rapidio’s approach

Automation and rule engines handle the heavy lifting; human‑in‑the‑loop QC ensures confidence. Outputs are AUS‑ready for DU/LPA and support manual underwriting when AUS isn’t applicable.

Rapidio’s Impact on Lending

• Cycle time: Decisionable income results in minutes (typical SLA ≤ 15 min*).
• Quality: Transparent worksheets with rule citations and field‑level provenance.
• Cost control: Pay per component; no charge for classification/extraction.
• Experience: Real‑time status and cleaner handoffs across teams.

*SLA varies by file type and complexity.

Data Security & Compliance

Security is foundational. We employ encryption in transit and at rest, rigorous access controls, and audit artifacts. Our guideline packs reflect Fannie Mae Selling Guide and FHA Handbook 4000.1 to support compliant workflows.

Inside the Tech Stack

The FlexStack Component System™ is modular and event‑driven. Swap or update components without re‑platforming.

• Income Calculation & Eligibility — Fannie Mae, Freddie Mac, FHA, VA
• Document Classification & Data Extraction — included at $0
• Automated Income Verification — transcripts & validations
• Bank Statement Calculator — online cash‑flow analysis

Set Objectives — And Reach Them

Whether your target is faster clear‑to‑close, lower redraw %, or fewer UW callbacks, Rapidio helps you measure and improve. Use role‑based access and per‑file activation to align effort with value.

Partnership & Getting Started

Becoming a partner is straightforward—no rip‑and‑replace. Connect via integrations, train your team, and expand components as you scale. Explore case studies and pricing, then try one free calculation to validate fit.