菜单
Compute cost-to-originate (fixed + variable per loan) and the breakeven volume that the rate swing must clear. Reach for this on a unit-economics question.
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| name | model-cost-to-originate |
| description | Compute cost-to-originate (fixed + variable per loan) and the breakeven volume that the rate swing must clear. Reach for this on a unit-economics question. |
A shop that doesn't know its cost-to-originate dies in the downturn (§3 #5).
Fixed cost and variable cost per loan.
(fixed + variable × loans) ÷ loans via mortgage_lending_calc.py cost-to-originate (§3 #5).
Fixed cost ÷ margin-per-loan = breakeven volume (§3 #5).
Compare breakeven to a downturn volume projection (§3 #7).
A cost-to-originate and breakeven read stressed against the rate-cycle volume swing.