Good evening -
I have a COUNTIF formula embedded in my SUMPRODUCT formula, and all I get is the #VALUE! output. The COUNTIF works on its own, but it won't work embedded. My challenge is to use the SUMPRODUCT where one of the two Arrays is a word (it's text and not a number). The other Array is a number. As I type I'm thinking I need to convert the text to a number, based on the word. I think I'm confusing myself with the syntax and right way to build the formula. Thanks for any help, in advance.

The full formula (as I have it now):
SUMPRODUCT(--('Locked Loans'!$E:$E=$A9),'Locked Loans'!$C:$C,(COUNTIF('Locked Loans'!Z:Z,K5)/$B9))))