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: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:
This view is sorted by revenue (highest first) and helps identify which LOs are the most profitable — not just the highest producing, but those who generate the best margin after accounting for their costs.
By Branch
The branch breakdown aggregates the same profitability metrics by branch location:Monthly P&L
The monthly profit-and-loss view breaks down financial performance by calendar month, providing a time-series view of profitability.
The monthly P&L is useful for identifying seasonal trends in profitability, spotting months where costs spiked, and tracking the trajectory of margins over time.
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