Online Mortgage Lending Financial Model Template for Excel and Google Sheets
Five-year projections, dashboard, P&L, cash flow, balance sheet, and three scenarios - pre-built in Excel and Google Sheets. Built for online mortgage lending. Delivered as an instant download.
Trusted by 25,000+ startup founders, investors and CPAs
Clear Investor Roadmap
Michael Reed, NY
This template gave me a clear structure for what investors expect, so I stopped second-guessing the model. I had my assumptions organized in one afternoon and could explain the numbers without a lot of back-and-forth.
All Reports In One Place
Lauren Mitchell, TX
I was tired of hunting through separate files for statements and charts, and this pulled everything into one clean workbook. It saved me hours and made it much easier to share updates with my team.
Break-Even Was Easy To See
Daniel Brooks, FL
I finally had a simple view of margins and break-even instead of trying to piece it together by hand. That made planning faster and helped me book a lender call with numbers I could stand behind.
MODEL OVERVIEW
What Is the Online Credit Model?
Online Mortgage Loding Financial Model is a five-year workbook that combines mortgage balances, asset gains, financing costs, toll revenues, scenarios and financial statements.
Use the workbook to plan how mortgage assets, sources of financing, interest-free income, operating costs, staff, capital expenditure and financing affect expected results.
Editable assumptions flow through monthly calculations to annual summaries, low/basic/high comparisons, financial statements and management reports for the selected planning case.
Built to model online credit spreadThe main mortgage and financial balances remain on the balance sheet; operating income comes from interest spreads plus modeled non-interest income.
ENGINE OF LOANS REVENUE BY ITEM
How Does the Mortgage Online Credit Calculate Revenue?
The model calculates the monthly operating income by offsetting interest on mortgage financing and other interest on fair value assets and then adding assigned non-interest income.
01
Set Assets
The average mortgage balances and other balances on assets with an annual gain per category included shall be reported.
02
Income from Interest
Multiply each average profit and asset balance by annual profit, divided by twelve and the sum of the categories.
03
Cost of Financing
Application of annual funding rates to average interest balances, breakdown by twelve and sum of financing costs.
04
Add Other Revenue
The allocation allowed annual non-interest income over months, using the assumptions of the model on schedule or seasonality.
05
Operating Revenue
Subtract interest costs from interest income and add monthly non-interest income to total bank income.
FORM OF CORRECTIONRevenue = interest income − Interest costs + Non-interest income
01 / ASSETS
How Can You Feed the Income from Hypothetical Assets and Income?
The balance sheet shall take into account the mortgage balances, the income from the categories, other interest-bearing assets and the annual interest-free income used to calculate the income from loans.
ASSETS
The asset view shows the mortgage balances, the gains on the assets, other gainful assets and non-interest contributions.
02 / OPEX
How to Structure Operational Costs?
The OPEX card separates the drivers of variable costs from fixed costs, so operating expenditure is consistent with assumptions regarding modeling and time.
OPEX
View OPEX shows the percentages of variable costs, recurring fixed expenses, time and frequency.
03 / SCENARIOS
What Can Low, Basic and High Cases Compare?
The Scenarios compared low, base and high cases with regard to net interest income, interest income, comprehensive income and EBITDA as compared to the forecast.
SCENARIOS
The scenarios show low, base and high track charts for large incomes and results EBITDA.
04 / DASHBOARD
What Does the Dashboard Show on the Skeleton?
The data table presents selected assumptions, scenarios results, basic finances, revenue mix, profitability, cash flow and return in one management view.
DASHBOARD
The dashboard combines model settings, scenario results, basic finances and management charts.
FIT OF PRODUCTS
Is Online Credit Suitable for You?
The ready model fits into the planning of online credit spread, while fundamentally different revenue logic, schedules or reporting may require a custom structure.
MODEL BY MADA READY
Good Example
You plan to get interest on mortgages and other balance sheets for annual profits.
You model the financing balances and rates to calculate the monthly interest costs.
You add interest-free income through annual amounts and assumptions for monthly allocation.
You want five-year statements, low/Base/High scenarios, and reporting management.
CUSTOMS STRUCTURE
Consider Custom Pattern
Your income depends on off-balance sheet mechanics and assigned non-interest income.
Your assets, liability, funding or operational schedules require significant different structures.
Your notification requires different statements, scenario logic, or decision results.
Your model requires business rules or time logic not represented by this template.
The template is the starting point of planning, not a guarantee of performance.
FINANCIAL MODEL SERVICE
Do You Need a Model Built Around Your Requirements?
The Lab financial models can build or adapt a model when you need different revenue logic, operational schedules or financial reporting.
After check-out, you will receive a fully editable online mortgage book with five-year projections, monthly details, scenario analysis and financial reports.
01
Editable workbook
Download the fully editable model and change the assumptions to your own plan.
02
year forecast 5
Review 60 months of forecast with monthly and annual financial details.
03
Analysis of scenarios
Compare low, base and high cases from the model scenario perspective.
04
Financial statements
Use Income Account, Cash Flow Statement, Balance, Dashboard and Summary.
BEFORE BUYING IMPORTANT INFORMATION
Online Mortgage Credits Financial Model FAQ
The basic answers are visible in their entirety, without clicking on the accordion.
01
How Does the Online Credit Model in the Mortgage Credit Framework Calculate Income?
It calculates monthly interest income by category ‘assets valuation’ and subtracts interest financing costs for the purpose of obtaining NII and adds the assigned non-interest income.
02
What are the assumptions I can change?
You can edit balances and earnings, finance balances and rates, interest-free income, assumptions about schedule and seasonality.
03
What scenarios do Low, Base and High allow me to compare?
They compare alternative paths for net interest income, interest income, total income and EBITDA in the whole forecast.
04
What financial results are taken into account?
In the Workbook There Is a Statement of Revenue, Statement of Cash Flow, Balance Sheet, Dashboard, Summary, Written and Additional Management Reports.
05
Can the Financial Models Lab adapt it to its own requirements?
Yes. The Financial Models Laboratory can build or adjust revenue logic, operational schedules and reporting around different requirements.
06
Is this a forecast or a guarantee?
This is a forecast based on assumptions for the edition, not a guarantee of financial results or business results.
What Does the Online Mortgage Lending Financial Model Contain?
This pre-built excel model for fintech mortgage lending includes everything you need to build a comprehensive financial plan and secure funding.
All-in-one Dashboard
Core inputs and core outputs
Low/Base/High
Three scenario analysis
Professional Charts
Presentation ready
ROE Components
DuPont analysis
Revenue Inputs
Researched revenue assumptions
Bank-Ready Reports
Lender-friendly financial outputs
Revenue Breakdown
Revenue stream detailed view
KPI Dashboard
Performance metrics benchmark
Choosing a selection results in a full page refresh.
ASSETS
OPEX
SCENARIOS
DASHBOARD
