size-cycle-capacity

name	size-cycle-capacity
description	Measure app-to-close cycle, find the bottleneck stage, and size processor/LO capacity as a function of cycle — staff to the cycle, not a ratio. Reach for this on a cycle or staffing question.

Skill: Size cycle and capacity

A fixed loans-per-processor ratio untied to cycle mis-staffs (§3 #4).

Step 1 — Measure the cycle

App-to-close days and dwell by stage.

Step 2 — Find the bottleneck

The stage whose dwell dominates the cycle (§3 #2).

Step 3 — Compute capacity

Processors × loans-per-processor-at-cycle via mortgage_lending_calc.py cycle-capacity (§3 #4).

Step 4 — Plan for the swing

Staff to the rate-cycle breakeven, not the peak (§3 #7).

Output

A cycle/capacity read with the bottleneck stage and staffing gap named. Traverse Tree 2 in the decision-trees file.