See What You Can Save | Reverse Mortgage Operations Savings Calculator

Your operation

Funded loans per month 40

5300+

How you originate

Retail Wholesale / broker Retail and wholesale

What you run on today

Fully loaded hourly cost $65

$35$150

Salary, benefits, and tools for the people who touch a file. Change it to match your team.

Estimated annual savings $165,120 480 funded loans a year · Retail

Per funded loan: $344
Hours returned a year: 2,208
Equivalent capacity: 1.1 FTE

See where it comes from →

An estimate built from the assumptions below, not a quote. Every input is yours to change.

Your breakdown

Where the savings come from.

Hours saved per funded loan in each part of the workflow, priced at your hourly cost, plus the non-labor cost that goes with them.

Category	Hours per loan	Hours a year	Annual savings
Document handling and indexingUploads land classified and in the right place, so nobody sorts, renames, or chases a condition that already arrived.	1.2	576	$37,440
Closing coordination and packagesState-aware packages, title coordination, and e-signature run from the loan record instead of email threads.	1.4	672	$43,680
Status chasing and handoffsOwnership and next steps are visible in one queue, so files move without status calls between teams.	1.1	528	$34,320
Rework, re-disclosure, and post-close cleanupCalculations keep their history and controls run before closing, so fewer packages get redone afterwards.	0.9	432	$28,080
Broker communicationBrokers see status and conditions in their own portal, so the lender team answers fewer calls and emails.	0.0	0	$0
Non-labor costs avoidedCourier, duplicate vendor pulls, and reprinted disclosures that a connected file no longer needs.	$45 / loan	—	$21,600
Total	4.6	2,208	$165,120

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Assumptions

The model is simple on purpose.

Every number on this page comes from the short list of per-loan assumptions beside it, priced at the hourly cost you set. It is meant to make the economics legible, not to hide them. Bring your own numbers and we will re-run it with you.

Hours saved per funded loan are set per category for a team already running a reverse LOS.
A forward LOS with reverse bolted on carries 1.15× the recoverable hours; spreadsheets and disconnected tools, 1.35×.
Broker communication counts in full for wholesale volume and by half when retail and wholesale are mixed.
Non-labor costs avoided start at $45 per funded loan, before the same multiplier.
Capacity uses 2,080 hours per full-time equivalent a year.

Re-run it with your data →

Hours saved per funded loan

Document handling and indexing: 1.2 h
Closing coordination and packages: 1.4 h
Status chasing and handoffs: 1.1 h
Rework, re-disclosure, and post-close cleanup: 0.9 h
Broker communication: 0.8 h

Current-system multiplier

Another reverse LOS: 1.0×
A forward LOS with reverse bolted on: 1.15×
Spreadsheets and disconnected tools: 1.35×

Origination

Processing

Underwriting

Closing

Post-Closing

Integrations

Executive

Operations

Compliance

Technology

Secondary Markets

Wholesale

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