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See If You Qualify

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What is a funded loan actually costing you?

Most Loan Officers can quote their cost per lead to the cent and have never calculated this one. Put in a month of your own numbers. It takes about ninety seconds and it does not ask for your email.

No sign-up

Runs in your browser

Nothing is sent or stored

Your last month

Pre-filled with round example figures so you can see how it reads. They are nobody’s results — type over them.

What you pay the ad platforms, not what you pay an agency.

Every form fill, call and enquiry that came in from that spend.

A real two-way conversation. A voicemail is not a contact.

Set on your calendar, with a time on it.

Formally submitted, not “said they would send documents”.

The only number that pays you.

Everything is calculated in your browser. Nothing you type is sent anywhere, saved, or seen by us.

Cost per funded loan $1,333. Cost per application $364. Biggest drop: Leads to Reached, 54 lost.

Your cost per funded loan

$1,333

$4,000 of media divided by 3 funded loans. Media only — your time, your fees and your splits are not in it.

Cost per application

$364

With a $7,000 program fee added

$3,667

The $7,000 figure is the Casa Ya Loans program fee, shown so you can see it inside your own economics rather than beside them. Media spend is quoted separately. The fee is performance-backed: a fee structure subject to eligibility, operating requirements and written guarantee terms, not a promise that any particular number of loans will close.

For scale

The Mortgage Bankers Association put the average total cost to produce one loan at $10,936 in Q2 2026.

That is the all-in number — personnel, commissions, occupancy, equipment, corporate allocations. Yours above is marketing only, so this is a sense of scale, not a like-for-like comparison. The lesson survives either way: a funded loan is expensive, and buying more leads is the most expensive way to get one.

Source: MBA Q2 2026 Mortgage Bankers Performance Report. Public third-party data, not a Casa Ya Loans result.

Where it goes

Each bar is a stage of your own funnel. The number between two bars is what did not make it.

  1. Leads
    120

  2. 55% carried through · 54 lost here

    Biggest drop
    Reached
    66

  3. 33% carried through · 44 lost here

    Appointments
    22

  4. 50% carried through · 11 lost here

    Applications
    11

  5. 27% carried through · 8 lost here

    Funded
    3

Your leak

Leads → Reached

You lose 54 opportunities at this step — more than at any other. Everything downstream is capped by it, which is why buying more leads at the top makes it worse, not better.

Worth noting: your lowest pass-through rate is somewhere else — Applications → Funded at 27%. That is the harder stage; the one above is the bigger loss.

If that one step moved 10 points

Leads → Reached from 55% to 65%, holding every other rate and your spend exactly where they are: 3.5 funded loans instead of 3, and a cost per funded loan of $1,128 instead of $1,333.

That is arithmetic on the numbers you typed — one rate changed, nothing else. It is not a forecast, and it is not what this program promises.

The leak is identified against your own numbers: the step that loses the most opportunities. No industry conversion benchmark is applied, because none exists in a form we could cite honestly.

Now you know which stage to fix. The question is who fixes it.

We build the acquisition, we run the follow-up system, and we report on the stage you just found. Limited markets, and we say no when the numbers do not work.

See If Your Market Qualifies

How to read it

Three things worth knowing before you act on the number.

A calculator that hands you a figure without telling you what it does and does not mean is just a persuasion device with a keypad.

It is media only

Your time is not in it, and neither are your splits, your processing costs or the hours you spent chasing people who never picked up. The real cost of a funded loan is higher than the number on this page, in every case.

The leak is yours, not a benchmark

We identify the stage that loses the most opportunities in your own funnel. There is no published stage-by-stage conversion benchmark for this pipeline that we could cite honestly, so we do not pretend to have one.

One month is a sample, not a truth

At low volumes a single funded loan swings the whole figure. Run two or three months if you have them, and treat the shape of the funnel as the signal rather than the exact dollar amount.

The $10,936 comparison on this page is the average total cost to produce one loan in Q2 2026, published by the Mortgage Bankers Association. It covers the full cost of production — personnel, commissions, occupancy, equipment and corporate allocations — and is therefore not directly comparable to a marketing-only figure. It is public third-party data and is not a Casa Ya Loans result.

See the same arithmetic worked through end to end