Use this calculator to estimate the ROI of a database reactivation campaign for your mortgage company. Input your specific numbers and see projected returns across conservative, base case, and strong scenarios.

Step 1: Input Your Numbers

Input	Your Number	Notes
Pre-qualification leads (last 12 months)	_______	Leads that pre-qualified but never applied
Past borrowers (closed 3–7 years ago)	_______	Prime refinance candidates
Real estate agent partners (dormant)	_______	Agents who haven't referred in 6+ months
Average commission per closed loan	$_______	Your average commission per loan closed
Average loan amount	$_______	For refinance rate-drop calculations
Campaign cost (3 months)	$_______	AI voice agent + SMS campaign cost

Step 2: Apply Response Rate Benchmarks

Scenario	Pre-Qual Response Rate	Past Borrower Refi Rate	Agent Reactivation Rate
Conservative	4%	6%	8%
Base case	7%	10%	12%
Strong case	10%	15%	18%

Step 3: Calculate Projected Returns

For Each List:

Leads responding = List size × Response rate
Applications started = Leads responding × Application conversion rate (30–50%)
Loans closed = Applications × Close rate (60–80%)
Commission recovered = Loans closed × Commission per loan

Combined ROI:

Total commission recovered = Pre-qual commission + Past borrower commission + Agent partner commission
ROI = (Total commission recovered - Campaign cost) / Campaign cost

Worked Example: Mid-Size Mortgage Company

Input	Value
Pre-qual leads (12 months)	1,200
Past borrowers (3–7 years)	800
Dormant agent partners	200
Commission per loan	$4,000
Campaign cost	$4,000

Scenario	Pre-Qual Loans	Refi Loans	Agent-Referred Loans	Total Commission	ROI
Conservative	3	3	2	$32,000	7x
Base case	6	8	4	$72,000	17x
Strong case	12	15	7	$136,000	33x

Rate Environment Adjustment

The biggest variable in mortgage reactivation ROI is the interest rate environment:

Rate Change	Refi Response Rate Adjustment	Impact on ROI
Rates dropped 0.5%+	+50–100% response rate	ROI doubles or triples
Rates dropped 0.25–0.5%	+20–50% response rate	ROI increases 30–60%
Rates flat	Baseline rates	Baseline ROI
Rates increased 0.25%+	-20–40% response rate	ROI decreases 20–40%
Rates increased 0.5%+	-40–60% response rate	Focus on purchase, not refi

FAQ

Q: How accurate is this calculator? A: The calculator provides benchmarks based on industry data from mortgage reactivation campaigns. Actual results depend on rate environment, database quality, and offer timing. Most companies see results within 20–30% of the base case.

Q: What's the minimum database size for reactivation to make sense? A: Any database with 500+ contacts (pre-quals, past borrowers, or agent partners) has enough volume to justify a campaign.

Q: How does the rate environment affect ROI? A: Rate drops dramatically increase ROI. A 0.5%+ rate drop can double or triple refinance response rates and overall campaign return.

Q: When is the best time to run a mortgage reactivation campaign? A: Best timing: 30–60 days after a rate drop, spring buying season (Feb–May), and year-end financial planning season (Oct–Dec).

Database Reactivation ROI for Mortgage — full ROI breakdown
Cost to Automate Mortgage Borrower Communication — automation cost breakdown
AI Voice Agent Pricing for Mortgage — cost breakdown for AI voice agents
Database Reactivation ROI for Home Services — benchmarks for home services

Want a custom ROI calculation for your mortgage company? Book a demo and we'll run the numbers with your actual database data.