Loan Campaign Cost-per-Booked-Loan Optimizer

Translate paid media spend into booked loans by combining CPC, funnel conversion rates, and your marketing margin targets. The optimizer reports cost per booked loan, allowable CPA based on average funded amount, headroom versus goal, and the revenue-to-cost multiple so growth teams can tune bids with confidence.

Blended CPC for the campaign, ad group, or media mix you are evaluating.
Percentage of visitors who submit a complete loan application on your landing page.
Percentage of applications that clear underwriting and fund as booked loans.
Defaults to $24,000 if blank to reflect typical auto or personal loan tickets.
Defaults to 2.5% to approximate desired marketing contribution margin per loan.
Defaults to 100% (no drop-off) when blank. Use to capture CRM nurtures that turn leads into completed applications.

Model assumes steady conversion rates and does not account for seasonality, credit policy changes, or offline marketing costs.

Examples

  • CPC $6.20, click-to-app 9.5%, app-to-booked 32%, loan $24K, margin 2.5%, lead assist 85% ⇒ Each booked loan costs $239.94 when 9.50% of visitors and 32.00% of applicants fund (lead assist 85.00%). A $24,000.00 average loan with a 2.50% marketing margin allows $600.00 per booking, leaving $360.06 headroom and a revenue-to-cost multiple of 100.0×.
  • CPC $9.10, click-to-app 6.8%, app-to-booked 24%, loan $18K, margin blank, lead assist blank ⇒ Each booked loan costs $557.60 when 6.80% of visitors and 24.00% of applicants fund (lead assist 100.00%). A $18,000.00 average loan with a 2.50% marketing margin allows $450.00 per booking, leaving -$107.60 headroom and a revenue-to-cost multiple of 32.3×.

FAQ

How do I include downstream approval steps?

Fold underwriter approvals and document pulls into the application-to-booked rate so the conversion reflects the full journey from application to funded loan.

Can I input blended media plans?

Yes. Average the CPC and conversion rates across the portfolio of channels or run separate scenarios per channel to compare efficiency.

What if I track lifetime value instead of upfront margin?

Swap the target margin percentage for lifetime value coverage so the allowable CPA reflects the portion of LTV you want to invest in acquisition.

Additional Information

  • Lead-to-application assist rate captures how many leads eventually submit an application after nurture so you can model CRM drip impact on funnel math.
  • Allowable CPA multiplies average funded loan amount by the target marketing margin to quantify what you can afford to pay per booked loan.
  • Revenue-to-cost multiple compares average loan size to cost per booking and highlights when CPC inflation erodes marketing leverage.

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