What are you actually payingper funded loan?
Drop in your funnel numbers. See CPFL today — and how a real-time pre-qualification layer would move it. Live, private, no signup.
Your inputs
Advanced — pre-qual per-lead cost
Today — no pre-qualification layer
With OmniaIQ pre-qualification
−$3,400
CPFL reduction (63%)
+50
Additional funded loans / month
Benchmarks
Cost per funded loan — where operators land
Read across paid inbound SMB lending channels. Product mix and channel skew move the bands ±20%, but the shape holds.
Healthy
$1,500 – $3,500
Tight qualification layer, reps only touch files that can fund.
Watch
$3,500 – $5,000
Speed-to-lead or qualified-rate leaking. Tune thresholds first.
Qualification gap
> $5,000
Reps are burning paid dials on files that were never going to fund.
How to use it
Pull these five numbers from your CRM.
Use rolling 90-day averages. Do not exclude "bad" sources or "bad" reps — unit economics only work when the denominator is real.
Read the full pre-qualification playbook-
01Leads / month
Total inbound records created in the last 90 days, divided by 3.
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02Cost per lead
Fully loaded — media + affiliate/lead-buy + tooling — divided by leads.
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03Contact rate
Unique leads with at least one live conversation ÷ leads created.
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04Qualified rate
Files that passed your minimum eligibility bar ÷ contacted leads.
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05Close rate on qualified
Funded loans ÷ qualified files.
See how OmniaIQ moves your CPFL — with your real data.
30-minute demo. We audit your funnel, model the CPFL impact, and quote the exact rollout.
FAQ
Frequently asked questions
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Benchmarks vary by product and channel, but healthy operators land between $1,500 and $3,500 per funded loan on paid inbound channels. Above $5,000 usually signals a qualification problem — too many paid dials are hitting files that were never going to fund.
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In deployments we've studied, adding a real-time soft-pull + program-fit layer at intake raises the qualified rate from ~12% to ~30%+, which typically drops cost per funded loan by 50–70% within 30 days — even after the added per-lead pre-qual cost.
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Yes, if you want the true unit economic. This calculator focuses on the lead + qualification spend so the diagnostic is fast. Add fully-loaded rep cost per funded loan as a separate line to see the fully-loaded number.
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Well-run SMB dialer teams contact 35–45% of inbound leads within 24 hours. Below 25% usually means the dialer, dispositions, or speed-to-lead is broken — a qualification layer will not fix that.
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The math generalizes, but mortgage pull-through and cost-per-funded-loan look very different from SMB. We are shipping a mortgage-specific calculator in the next tools batch — join the newsletter to be notified.