Where do these defaults come from?

From operator interviews and prior engagements. The 85% ratesheet-automation fraction is conservative — most teams report 90%+ once their templates have learned. The 85% surprise-reduction figure also leaves room for genuinely-novel fact patterns the eligibility engine can't yet predict.

Why $450 per lock-day surprise?

Median across LO time, ops time, retention concession, and reputational drag. The figure is editable — your number is the right number. Larger correspondents typically run higher (more bps committed), brokers smaller.

Is the list-price tier inference accurate?

It maps to the published Plans page. Sandbox is free. Team is $14.4k/yr ($1.2k × 12, undiscounted). Business is $57.6k/yr. Enterprise is highly variable — we use $144k as a placeholder; your real number is whatever sales lands at.

Can I export this calculation?

Not from the page itself yet. If you want the model in a spreadsheet, request a demo and we'll send the workbook with your inputs pre-filled, plus a sensitivity analysis on the variables your team is least sure about.

What's not in this model?

Engine-replacement migration cost (one-time, varies wildly), reduced LO churn from less manual work (real but hard to attribute), and revenue lift from faster turn-times. The model is pure operating-cost savings, by design — overstating ROI builds nothing.

Back to calculatorsCalculator

ROI & TCO calculator

Pure operating-cost math: ratesheet hours, lock-day surprises, and audit response. Conservative defaults, every assumption editable, your loaded rates.

Your business

Set the size of your operation. Sensible defaults are pre-filled for a small correspondent.

Loans funded per year*

Loaded hourly rate, ops*

Salary + benefits + overhead, divided by hours worked. $75/hr is a typical loaded rate for ops headcount.

Pricing quotes per month*

Drives tier inference: Sandbox ≤100, Team ≤10k, Business ≤100k, Enterprise above.

Ratesheet wrangling, today

Manual hours your team spends every day pulling, cleaning, and importing investor ratesheets.

Active investors / wholesale lenders

Hours per investor per business day

hrs

Average across PDF downloads, portal logins, Excel reformatting, and template fixups.

Business days per year

252 is the U.S. business-day count; 250 leaves a small buffer for holidays your team observes.

Lock-day surprises

Locks that come back repriced or denied. Two-stage eligibility removes the bulk of these.

Lock-day surprises per month

Average cost per surprise

Median across LO time, ops time, and bps concession to keep the loan.

Expected reduction

Customers report 85–95% reduction with two-stage eligibility. 85% is the conservative end.

Compliance / audit response

Ops time spent reproducing past pricing for auditors, regulators, and customer disputes.

Audit / dispute events per year

Hours per event today

hrs

Pulling logs, reproducing scenarios, writing the response. 16hrs is typical for a meaningful event.

Acceleration with hash-chained audit + replay

Per-rule trace + as-of replay typically removes 60–80% of the hours.

Estimated net annual benefit

$107,790

vs $14,400 list price (Team tier)

Total annual savings

$122,190

Sum of the three levers below.

Payback period

1.4 months

Months until the modeled savings cover the list price.

Ratesheet automation

Hours reclaimed × loaded hourly rate × 85% automation.

$63,750

Lock-day surprises avoided

Monthly surprises × 12 × reduction% × per-incident cost.

$55,080

Audit response acceleration

Audit events × hours × acceleration% × loaded rate.

$3,360

All values are pre-tax. The list-price line uses your inferred tier; volume and Enterprise customers should price against their negotiated number. Real outcomes vary; we'll model your specific situation in the demo with your own ratesheets.

What this models: the three operational levers RateStack moves the most. Ratesheet automation reclaims headcount hours; two-stage eligibility reduces lock-day surprises; the per-rule trace plus historical replay accelerates audit response. Each lever is computed from your inputs and shown as its own line on the right.

What it doesn't model: engine-replacement migration cost (one-time, highly variable), revenue lift from faster turn-times, and the soft benefits of explainable pricing (LO confidence, customer trust, regulator goodwill). All of those are real; they're also harder to defend in a spreadsheet, so we leave them out.

What we want: an honest number. If the calculator says it doesn't pencil for you, that's useful information — and probably means you're a candidate for a free Sandbox tier first, not a committed Business contract. Request a demo and we'll model your specific shape together.