--- title: "Cost Per Funded Loan Calculator (Free, No Signup) | OmniaIQ" description: "Free calculator for SMB lenders. Enter lead volume, cost per lead, contact/qualified/close rates, and see cost per funded loan — plus a side-by-side model with a real-time pre-qualification layer." lang: en json-ld: | [ { "@context": "https://schema.org", "@graph": [ { "@type": "Organization", "@id": "https://omniaiq.ai/#organization", "name": "OmniaIQ", "url": "https://omniaiq.ai", "logo": "https://omniaiq.ai/favicon.ico", "sameAs": [] }, { "@type": "WebSite", "@id": "https://omniaiq.ai/#website", "url": "https://omniaiq.ai", "name": "OmniaIQ", "publisher": { "@id": "https://omniaiq.ai/#organization" } } ] }, { "@context": "https://schema.org", "@type": "WebPage", "name": "Cost Per Funded Loan Calculator", "description": "Free calculator for SMB lenders. Enter lead volume, cost per lead, contact/qualified/close rates, and see cost per funded loan — plus a side-by-side model with a real-time pre-qualification layer.", "url": "https://omniaiq.ai/tools/cost-per-funded-loan-calculator", "isPartOf": { "@id": "https://omniaiq.ai/#website" }, "publisher": { "@id": "https://omniaiq.ai/#organization" } }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "What is a good cost per funded loan for SMB lenders?", "acceptedAnswer": { "@type": "Answer", "text": "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." } }, { "@type": "Question", "name": "How does a pre-qualification layer change cost per funded loan?", "acceptedAnswer": { "@type": "Answer", "text": "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." } }, { "@type": "Question", "name": "Should I count rep salary in cost per funded loan?", "acceptedAnswer": { "@type": "Answer", "text": "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." } }, { "@type": "Question", "name": "What contact rate is realistic for SMB lending inbound leads?", "acceptedAnswer": { "@type": "Answer", "text": "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." } }, { "@type": "Question", "name": "Does this calculator work for mortgage lenders?", "acceptedAnswer": { "@type": "Answer", "text": "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." } } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "How to calculate cost per funded loan", "description": "Free calculator for SMB lenders. Enter lead volume, cost per lead, contact/qualified/close rates, and see cost per funded loan — plus a side-by-side model with a real-time pre-qualification layer.", "url": "https://omniaiq.ai/tools/cost-per-funded-loan-calculator", "step": [ { "@type": "HowToStep", "position": 1, "name": "Enter monthly lead volume", "text": "Type the number of inbound leads you receive per month." }, { "@type": "HowToStep", "position": 2, "name": "Enter cost per lead", "text": "Your fully-loaded lead cost — media + tooling + affiliate fees." }, { "@type": "HowToStep", "position": 3, "name": "Enter contact, qualified, and close rates", "text": "Use your last 90-day averages from your CRM." }, { "@type": "HowToStep", "position": 4, "name": "Compare with vs without pre-qualification", "text": "The tool models both scenarios side by side." } ] }, { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://omniaiq.ai" }, { "@type": "ListItem", "position": 2, "name": "Resources", "item": "https://omniaiq.ai/resources" }, { "@type": "ListItem", "position": 3, "name": "Cost Per Funded Loan Calculator", "item": "https://omniaiq.ai/tools/cost-per-funded-loan-calculator" } ] } ] --- [![OmniaIQ](/__l5e/assets-v1/152fdd9e-99a7-4ee5-90f9-623667af6e90/omnia-logo.png)](/) Product Solutions [Pricing](/pricing) [Login](https://app.omniaiq.ai)[Get Started](/pricing) [Home](/)/ [Resources](/resources)/ Cost Per Funded Loan Calculator Free Tool No signup · Nothing stored # 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 Leads / month 3,000 Cost per lead $45 Contact rate (%) 38% Qualified rate (%) 12% Close rate on qualified (%) 18% Advanced — pre-qual per-lead cost OmniaIQ per-lead pre-qual cost $5 Today — no pre-qualification layer Total lead spend $135,000 Contacted 1,140 Qualified 137 Funded loans 25 Cost per funded loan $5,400 With OmniaIQ pre-qualification Total lead + pre-qual spend $150,000 Contacted 1,140 Qualified 342 Funded loans 75 Cost per funded loan $2,000 Modeled impact −$3,400 CPFL reduction (63%) +50 Additional funded loans / month [Talk to us about this](/schedule-call) 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](/playbooks/smb-lender-lead-pre-qualification) 1. 01 Leads / month Total inbound records created in the last 90 days, divided by 3. 2. 02 Cost per lead Fully loaded — media + affiliate/lead-buy + tooling — divided by leads. 3. 03 Contact rate Unique leads with at least one live conversation ÷ leads created. 4. 04 Qualified rate Files that passed your minimum eligibility bar ÷ contacted leads. 5. 05 Close 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. [Schedule Demo](/schedule-call) [See pricing](/pricing) FAQ ## Frequently asked questions - What is a good cost per funded loan for SMB lenders? 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. - How does a pre-qualification layer change cost per funded loan? 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. - Should I count rep salary in cost per funded loan? 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. - What contact rate is realistic for SMB lending inbound leads? 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. - Does this calculator work for mortgage lenders? 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. Compliance note OmniaIQ is a lead qualification and pre-qualification platform, not a lender, credit bureau, or underwriting service. A Qualified result is informational and does not constitute a credit decision or guarantee of funding. Customers must establish a permissible purpose and capture the required consent before submitting a lead for a credit pre-qualification. OmniaIQ pre-qualifications use a soft credit inquiry that does not affect the applicant's credit score. OmniaIQ does not automatically satisfy a customer's TCPA obligations for subsequent calls, texts, or marketing outreach. ![OmniaIQ](/__l5e/assets-v1/5344b935-33db-4f6d-9634-494f52094646/omnia-logo-dark.png) The real-time credit intelligence layer for lenders, brokers, and lead providers. 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