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.
How Rules Work
Every commission template starts with a base commission — the default amount paid per loan. Commission rules act as overrides: when a loan matches a rule’s filters, the rule’s commission is used instead of the base.
Loan funded
|
+--> Check rules (most specific first)
| |
| +--> Rule matches? --> Use rule's commission
| |
| +--> No match? --> Check next rule
|
+--> No rules match --> Use base commission
- Commission amount (percentage, flat, or bps)
- Commission basis (loan amount or broker compensation)
- File fee (optional, overrides the template’s file fee)
- Minimum and maximum commission (optional)
- One or more filters that determine when the rule applies
Creating a Commission Rule
Rules are created within a commission template, in the Rules tab.
Step 1: Open the Template Editor
- Navigate to Commission Templates and click on a template.
- Click Edit.
- Switch to the Rules tab.
Step 2: Add a New Rule
- Click Add Rule.
- A new rule form expands with commission settings and filter options.
Step 3: Set the Rule’s Commission
Configure the commission for this rule, which will override the template’s base commission when the rule matches:
| Field | Description |
|---|
| Amount Type | Percentage (%), Flat ($), or Basis Points (bps) |
| Amount | The commission value |
| Commission Basis | Loan Amount or Broker Compensation |
| Minimum Commission | Optional floor |
| Maximum Commission | Optional ceiling |
| File Fee | Optional per-loan deduction (overrides template file fee) |
| Deducts From Loan Officer | Whether this commission reduces the LO’s pay |
| Apply File Fee First | Whether the file fee adjusts the basis before calculation |
Available Filters
Lead Source Filter
Matches loans that originated from a specific lead source (e.g., “Zillow”, “Realtor Referral”, “Company Website”).
| Setting | Description |
|---|
| Lead Source | Select from your configured lead sources |
| Invert | When enabled, the rule matches loans that are NOT from this lead source |
Lender Filter
Matches loans submitted to a specific lender/investor.
| Setting | Description |
|---|
| Lender | Select from your configured lenders |
| Invert | When enabled, the rule matches loans NOT with this lender |
Branch Filter
Matches loans originated by loan officers in a specific branch office.
| Setting | Description |
|---|
| Branch | Select from your configured branches |
Loan Purpose Filter
Matches loans with a specific purpose.
| Setting | Description |
|---|
| Loan Purpose | Purchase or Refinance |
| Invert | When enabled, matches the opposite purpose |
Loan Type Filter
Matches loans of a specific product type.
| Setting | Description |
|---|
| Loan Type | One of: Conventional, FHA, VA, USDA, Non-QM, Reverse Mortgage, HELOC, Commercial, HELOAN |
| Invert | When enabled, matches all loan types EXCEPT the selected one |
Payer Type Filter
Matches loans based on who is paying the broker compensation.
| Setting | Description |
|---|
| Payer Type | Lender, Borrower, Investor, or Seller |
Tax Classification Filter
Matches based on the employee’s tax classification.
| Setting | Description |
|---|
| Tax Classification | W-2 or 1099 |
| Invert | When enabled, matches the opposite classification |
Property State Filter
Matches loans where the property is located in one or more specific states.
| Setting | Description |
|---|
| Property States | Select one or more U.S. states |
| Invert | When enabled, matches loans in states NOT in the list |
| Setting | Description |
|---|
| Business Contact Name | Text to match against contact names (case-insensitive, partial match) |
| Business Contact Email | Text to match against contact emails (case-insensitive, partial match) |
| Invert | When enabled, matches loans WITHOUT a matching business contact |
Filter Inversion
Most filters support an Invert toggle. When inversion is enabled, the filter logic is reversed:
| Normal | Inverted |
|---|
| Loan IS from Lender A | Loan is NOT from Lender A |
| Loan IS a Purchase | Loan is NOT a Purchase (i.e., Refinance) |
| Property IS in California | Property is NOT in California |
Rule Matching and Precedence
When the commission engine processes a loan, it evaluates rules in a specific order to find the best match.
Matching Process
- Only rules matching the current role context are considered.
- Employee-specific rules are evaluated before template-level defaults.
- More specific rules rank higher than less specific rules.
- All filters on a rule must match (AND logic).
- If the rule is linked to a special case group, that group’s conditions must also be satisfied.
- The first matching rule wins.
Specificity Example
Given these rules on a template:
| Rule | Filters | Commission |
|---|
| Rule A | Loan Type = FHA, Payer Type = Lender | 35 bps |
| Rule B | Loan Type = FHA | 40 bps |
| Rule C | (no filters) | 50 bps |
- Rule A matches (both filters pass) — 35 bps is used
For an FHA loan with Borrower-paid compensation:
- Rule A does not match (payer type does not match)
- Rule B matches — 40 bps is used
For a Conventional loan:
- Rule A does not match
- Rule B does not match
- Rule C matches (no filters = always matches) — 50 bps is used
Employee-Specific vs. Template Rules
When a template is assigned to an employee, all rules are copied into employee-bound rules. Employee-bound rules take precedence over template-level rules. If an admin creates an employee-specific override rule directly on the employee, it will rank above the template-generated rules.
Combining Multiple Filters
When a rule has multiple filters set, all of them must match for the rule to apply (AND logic). For example:
| Filter | Value |
|---|
| Loan Type | FHA |
| Property State | Texas |
| Payer Type | Lender |
Worked Example
A brokerage wants to set up the following commission structure for loan officers:
- Default: 50 bps on loan amount
- FHA loans: 40 bps on loan amount
- VA loans: $400 flat
- Zillow leads: 35 bps on loan amount (regardless of loan type)
- California properties: Minimum commission of $500
Template Configuration
Base Commission:
- Basis: Loan Amount
- Amount Type: Basis Points
- Amount: 50
Rule 1 — FHA Override:
- Amount Type: Basis Points, Amount: 40
- Filter: Loan Type = FHA
Rule 2 — VA Override:
- Amount Type: Flat, Amount: 400
- Filter: Loan Type = VA
Rule 3 — Zillow Lead Override:
- Amount Type: Basis Points, Amount: 35
- Filter: Lead Source = Zillow
Rule 4 — California Minimum:
- Amount Type: Basis Points, Amount: 50
- Minimum Commission: 500
- Filter: Property State = California
Calculation Results
| Loan | Type | State | Lead Source | Amount | Commission |
|---|
| Loan 1 | Conventional | Texas | Direct | $350,000 | $1,750 (50 bps) |
| Loan 2 | FHA | Florida | Referral | $300,000 | $1,200 (40 bps) |
| Loan 3 | VA | Georgia | Direct | $500,000 | $400 (flat) |
| Loan 4 | Conventional | Ohio | Zillow | $400,000 | $1,400 (35 bps) |
| Loan 5 | Conventional | California | Direct | $250,000 | $1,250 (50 bps) |
| Loan 6 | Conventional | California | Direct | $80,000 | $500 (min applied; 50 bps = $400 < $500 min) |
