Put your own operation in. Every assumption is editable, nothing is gated, and no email is required — the results update as you type. The reasoning behind the model is in The Infinity Loop.
Working model — speculative defaults. Fields marked are estimates drawn from public
benchmarks and market research, not from lender-verified data. They exist so the model runs end to end and are
intended to be replaced with actuals. Loop maturity is modeled as a saturating curve calibrated so that the
published +10% / +28% / +45% throughput figures fall at months 6, 24, and the asymptote respectively.
Not a proposal, quote, or guarantee of results.
Inputs
Your Operation
#
#
$
%
mo
Capacity per FTE is derived from your own numbers — current units divided by current staff — so no industry
throughput benchmark is imposed on your operation.
Staffing & Cost
#
$
#
$
%
Per-loan incentive pools are deliberately excluded. They scale with volume, not headcount, so they are
identical in every scenario and cannot influence the decision.
Loop Maturity
%
%
%
%
mo
Underwriting gain is derived, not asserted: clerical share × clerical work removed = time freed,
converted to throughput. Current setting yields — at maturity.
Secondary Market
%
%
days
days
%
%
%
At today’s rates the lender is in positive carry — a loan on the line earns more than it costs.
Faster delivery therefore forfeits interest income; the warehouse benefit is line capacity and released equity, not saved interest.
Purchase Suspense & Delivery
%
days
bps/d
%
%
bps
%
bps
%
Suspense fees are sourced from correspondent seller guides: 2.0 bps/day, escalating to 3.0 bps/day
after day 30. Suspense days are netted out of warehouse dwell to prevent double counting.
Quality & Repurchase
%
$
%
%
eqLend Pricing
$
Default hides price. The model instead reports the value ceiling per unit — what the loop returns —
leaving the price to be discussed rather than displayed and screenshotted.
Benchmark
$
MBA Q1 2026: independent mortgage banks earned $727 per loan pre-tax on $11,898 of production cost —
a 16 bps margin. Any per-loan improvement is heavily levered against this base.
Loop Maturity — capacity gain by department
Each department improves on a saturating curve as corrections, condition refinements and QC findings
accumulate as permanent rules. The published +10% / +28% / +45% figures are not three scenarios — they are three points
on one curve.
Processing
Underwriting
Quality control
Capacity vs. Demand — hiring avoided
The solid line is what your current team can absorb as the loop matures. The gap against demand is
hiring you would otherwise have to do. Nothing here reduces your existing team — the model measures headroom created,
not positions removed.
Funded unit demand
Capacity with the loop
Capacity without
Value at Maturity — annualized
Year by Year
Per-Loan Economics
Loop value per funded loan
—
Lift on net production profit
—
Price headroom
—
What that adds up to
Cumulative net position
Value returned by the loop, less what the platform costs, month by month. The dashed line is break-even.
Cumulative net positionBreak-even
Cumulative net value · 36 mo
—
Payback
—
Value per funded loan · mature
—
Break-even price ceiling
—
Your business case, in your numbers
We’ll build a document with your operation’s figures, your company name on it, and the reasoning written out — formatted to print or save as a PDF and hand to your leadership.