Fall-through you can measure. Buyers your agents quietly stop returning calls to, because there is nothing to offer them, never enter a system at all. That is the volume this is about.

An agent with no answer for a declined buyer does not log a loss. They stop working the file. There is no field in the CRM for gave up, so the number never reaches you.
Ask your agents how many buyers they talked to this year who wanted to buy and did not. Then compare it to your closed volume. The gap is usually larger than any lead-generation spend would close.
Agents get a destination instead of nowhere, which means the file stays alive and the relationship stays with your brokerage.
Transactions heading for death at the financing contingency have something to evaluate before the contract falls apart.
Your agents do not learn complex underwriting. They learn one trigger phrase and a phone number.
The agent stays the agent through closing. Secure Home Buyer Assistance is not licensed to represent buyers and does not want to be.