Candor ROI Calculator
Key Assumptions Monthly
Average Monthly Funded Loan Volume (units)
Current Pull-Through %
Average Monthly Application Volume (units) 1,500
Average Loan Amount
Monthly Loan Volume ($$)  
Annual Loan Volume ($$)  
Lock Fee Savings from Cycle Time Reduction  
Cycle Time Reduction (days) 
Lock Price Per Day (bps)
Lock Fee Savings from Cycle Time Reduction  
   
Calculate Profit from Productivity Gains  
Fully-Burdened Average Underwriter Annual Salary
Average Underwriter Monthly Salary  
Existing Average Underwriter Loans Per Month
UW Headcount Required For Loan Volume @ Loans Per UW  
Monthly Underwriting Expense  
Candor Productivity Improvement
Average Underwriter Loans Per Month with Candor  
UW Headcount Required For Loan Volume @ Loans Per UW  
Monthly Underwriting Expense with Candor for Same Volume  
Labor Savings from Productivity Gains  
% Reduction in Underwriter Cost  
   
Calculate Profit from Increased Pull-Through  
Pull-Through % Improvement with Candor
Additional Loan Volume  
Additional Loan Amount  
Average Gain on Sale
Added Gain on Sale   
   
Total Monthly Savings / Profit Improvement  
Total Monthly Savings / Profit Improvement  
 
  Lock Fee Savings from Cycle Time Reduction
  Labor Savings from Productivity Gains
  Additional Gain on Sale from Increased Pull-Through

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