Documentation Index
Fetch the complete documentation index at: https://docs.keystn.com/llms.txt
Use this file to discover all available pages before exploring further.
Overview
Profitability answers the fundamental question: “After paying commissions and covering expenses, how much money are we actually making?” It pulls data from three sources:
- Revenue — Broker compensation from funded loans
- Commissions — Wages paid through pay period records
- Expenses — Operating costs tracked in the Expenses module
Summary KPIs
The top of the dashboard shows eight key financial metrics:
| Metric | Description |
|---|
| Total Revenue | Sum of broker compensation for all funded loans in the period |
| Total Expenses | Sum of all expenses in the period |
| Total Commissions | Sum of all wages paid through pay periods overlapping the selected date range |
| Net Profit | Revenue - Commissions - Expenses |
| Profit Margin | Net Profit / Revenue x 100 (as a percentage) |
| Revenue Per Loan | Total Revenue / Number of Funded Loans |
| Cost Per Loan | (Commissions + Expenses) / Number of Funded Loans |
| Net Profit Per Loan | Net Profit / Number of Funded Loans |
Period-over-Period Comparison
When a date range is set, the system calculates the prior period and shows percentage change for:
- Total Revenue
- Net Profit
- Profit Margin
By Loan Officer
The LO breakdown shows each loan officer’s individual profitability:
| Column | Description |
|---|
| Name | Loan officer’s full name |
| Revenue | Broker compensation from their funded loans |
| Commissions | Wages paid to them through pay periods |
| Expenses | Expenses attributed to them |
| Net Profit | Revenue - Commissions - Expenses |
| Margin | Net Profit / Revenue as a percentage |
By Branch
The branch breakdown aggregates the same profitability metrics by branch location:
| Column | Description |
|---|
| Branch | Branch name (or “Unassigned” for employees without a branch) |
| Revenue | Total broker compensation from that branch’s LOs |
| Commissions | Total wages paid to branch employees |
| Expenses | Total expenses for branch employees |
| Net Profit | Revenue - Commissions - Expenses |
| Margin | Net Profit / Revenue as a percentage |
Monthly P&L
The monthly profit-and-loss view breaks down financial performance by calendar month, providing a time-series view of profitability.
| Column | Description |
|---|
| Month | Calendar month (Jan through Dec) |
| Revenue | Broker compensation from loans funded that month |
| Expenses | Expenses dated to that month |
| Commissions | Wages from pay periods starting in that month |
| Net Profit | Revenue - Commissions - Expenses |
How Costs Are Attributed
Understanding how costs are assigned to people and branches is important for interpreting profitability data:
Revenue Attribution
Revenue is attributed based on the loan officer assigned to each funded loan. The loan officer’s branch determines the branch attribution.
Commission Attribution
Commissions are attributed based on the employee on each pay period record. The employee’s branch determines the branch attribution.
Expense Attribution
Expenses are attributed based on the employee the expense is assigned to. The employee’s branch determines the branch attribution.
This means a loan officer’s profitability reflects:
- Revenue from loans they originated
- Commissions paid to them
- Expenses charged to them
Filtering
Profitability analytics support the following filters:
| Filter | Description |
|---|
| Date Range | Scope the analysis period. Revenue uses funded date; expenses use expense date; commissions use pay period overlap. |
| Loan Officer | Filter to a specific LO’s profitability |
| Branch | Filter to a specific branch. Applies to loans (via LO’s branch), payroll (via employee’s branch), and expenses (via employee’s branch). |
