Consumer Finance & Retail Banking KPIs

Consumer Finance Metric Definitions, Benchmarking Data & Reports

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KPI NAME
KPI DEFINITION
DATA
(NUM. OF DATAPOINTS)
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Showing results 1 through 31 of 233 records
Mortgage Loan Pull-Through Rate The number of mortgage loans that are approved, closed and funded divided by the total number of mortgage loans applied for over the same period of time, as a percentage. See data (1864)
Average Mortgage Loan Value The average value (in dollars) of a mortgage in the bank's loan portfolio over a certain period of time. See data (1856)
Mortgage Application Approval Rate The number of submitted mortgage loan applications that are approved by the lender divided by total number of mortgage loan applications received over the same period of time, as a percentage. See data (1848)
Percentage of Mortgage Loans Abandoned by Borrower The number of submitted mortgage applications approved by the lender but either not accepted or withdrawn by the potential borrower divided by the total number of mortgage loan applications approved over the same period of time, as a percentage. See data (1847)
Average Mortgage Applicant Income The average annual income for potential borrowers submitting mortgage applications over a certain period of time. See data (1841)
Percentage of Mortgage Loans Declined The number of submitted mortgage loan applications that are declined by the lender divided by total number of mortgage loan applications received over the same period of time, as a percentage. See data (1830)
Percentage of Mortgage Applications Closed for Incompleteness The number of mortgage loan applications that are closed by the lender due to missing or incomplete information required to complete the application process (pay stubs, tax returns, bank statements, etc.) divided by the total number of mortgage loan applications submitted over the same period of time, as a percentage. See data (1397)
Amount Collected per Collections Employee The total dollar amount collected by the Collections Department, or agency, over a certain period of time divided by the total number of collections employees (include collectors, managers and administrative/support staff). See data (71)
Mortgage Loans Closed per Originator The number of mortgage loans originated over a certain period of time divided by the total number of mortgage originators, or loan officers. See data (53)
Unit Cost: Commercial Loan Origination Total commercial loan origination and fulfillment expense incurred by the lending institution divided by the total number of commercial loans closed and funded over the same period of time. Total commercial loan origination and fulfillment expense should include fully-loaded labor costs (salary, benefits, bonuses, etc.), as well as other overhead costs such as occupancy, technology and vendor fees See data (35)
Mortgage Production Mix: Purchases The total number of first time mortgage loan purchases (rather than refinances, closed-end second mortgages, HELOC, etc.) divided by the total number of mortgage loans originated over the same period of time, as a percentage. See data (33)
Mortgage Loan Applications per Underwriter The total number of mortgage loan applications submitted over a certain period of time divided by the total number of mortgage underwriting employees. See data (30)
Unit Cost: Loan Servicing The total cost of servicing loans divided by the total number of loans in the bank's servicing portfolio. See data (29)
Unit Cost: Mortgage Loan Origination The total cost of mortgage loan origination (sales/business development, application processing, underwriting, closing, etc.) divided by the number of mortgage loans originated over a certain period of time. See data (25)
Commercial Loan Charge-Off Rate The total number of commercial loans that must be charged-off (unlikely to be collected) divided by the total number of commercial loans in the bank's servicing portfolio the same period of time, as a percentage. See data (24)
Commercial Loans Outstanding per Commercial Loan Officer The total dollar amount of commercial loans managed (i.e., "outstanding") by the bank at a certain point in time divided by the number of commercial loan officers working for the bank. See data (24)
90+ DPD Loans as a Percentage of Loans Serviced The total number of serviced loans that are 90 or more days past due (DPD) divided by the total number of loans in the bank's servicing portfolio, as a percentage. See data (22)
Consumer Loans Closed per Consumer Lending Employee The total number of consumer loans closed over a certain period of time divided by the total number of consumer lending employees (includes consumer loan officers, loan processors, underwriters and closers - does not include loan servicing employees) working for the bank. See data (21)
Total Volume: Mortgage Loans Originated The total number of residential mortgage loans originated over a certain period of time. See data (21)
Loans Serviced per Loan Servicing Employee The total number of loans in the bank's servicing portfolio divided by the total number of core loan servicing (includes all core loan servicing sub-functions) employees. See data (19)
Production Labor Expense per Mortgage Originated The total loan production personnel expense (salary, commissions, benefits) divided by the total number of loans originated over the same period of time. See data (14)
Loan Production Revenue per Loan The total amount of loan production fee revenue earned divided by the number of loans originated over a certain period of time. See data (14)
Commercial Loan Officers per Commercial Credit Analyst The number of commercial loan officers divided by the total number of commercial lending credit analysts (or credit analysts whose duties include commercial credit analysis) working for the bank at the same point in time. See data (14)
Cycle Time: Commercial Loan Application to Underwriting Decision The number of calendar days required to reach an initial underwriting decision on a commercial loan, measured from the time the initial application is received from the potential borrower until when the adjudication decision has been made by the underwriting, or risk management, function. See data (13)
Cycle Time: Commercial Loan Application Processing The number of calendar days required to process a commercial loan application, measured from the time the initial application is received from the potential borrower until when the application is submitted to the underwriting, or risk management, function. See data (13)
Cycle Time: Commercial Loan Origination The number of calendar days required to close and fund a commercial loan, measured from the time that the commercial loan application is received from the potential borrower, until when the loan has been closed and funded. See data (13)
Average Mortgage Loan Balance The average remaining balance of mortgages found within the bank's servicing portfolio. See data (13)
Cycle Time: Commercial Loan Decision The number of business days required to approve or deny a commercial loan application, from the time the underwriter receives the commercial loan documentation until when the commercial loan is formally approved or denied. See data (13)
Credit Card Customer Attrition Rate The total number of credit card accounts lost or closed divided by total number of accounts managed by the credit card company over the same period of time, as a percentage. See data (11)
Production Volume ($) per Originator The total value of loans originated over a certain period of time divided by the total number of loan originators, or loan officers. See data (10)

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