Business intelligence that goes beyond your LOS.
Loan officers, underwriters, and executives make high-pressure decisions every day without complete data. Mortgage BI connects your LOS, CRM, financial tools, and employee metrics into a single Power BI platform that turns fragmented data into action.
Most financial institutions have more loan data than they know what to do with. It sits in Encompass or Byte, locked behind static reports that arrive days or weeks after the decisions they were supposed to inform. Leadership reviews spreadsheets that were accurate when they were exported, not when they were read.
Mortgage BI changes that equation. ABT builds and maintains a full Power BI environment on top of your existing systems. Your data flows into pre-built dashboards that update automatically, with role-specific views for every position from loan officer to CEO. No CSV exports. No manual reconciliation. No waiting for someone in IT to pull a report.
Because ABT is a Tier-1 Microsoft CSP, your Power BI licensing, data modeling, DAX calculations, and ongoing maintenance all come through a single relationship. The same team that manages your Microsoft 365 environment builds your dashboards, which means your BI environment has the same security controls, compliance standards, and support infrastructure as the rest of your technology stack.
One platform for every decision
Mortgage BI is ABT's purpose-built Power BI solution for financial institutions. It connects to your loan origination system and surfaces the metrics that drive branch profitability, loan officer productivity, and compliance adherence.
Loan Pipeline Visibility
Track every loan from application to close. See where deals stall, which stages create bottlenecks, and how pipeline health compares across branches and originators.
The pipeline dashboard displays real-time status for every active loan, grouped by stage: application received, in processing, submitted to underwriting, conditionally approved, clear to close, and funded. Each stage shows volume, average days in stage, and trend direction compared to the prior 30 days.
Branch managers use pipeline filters to compare originator performance side by side. If one loan officer's files spend 8 days in processing while the team average is 4, that gap surfaces immediately. The same filters identify which loan programs move fastest and which consistently bottleneck at the condition review stage.
Key metrics tracked
- Loan volume by stage, branch, and originator
- Average days-in-stage trending over 30/60/90 days
- Pull-through rate (application to funded)
- Lock expiration exposure (next 7/14/30 days)
- Fall-out rate by loan program and channel
- Daily/weekly/monthly funding vs. target
Branch Profitability
Dynamic KPIs for every branch: volume, margin, pull-through rate, cost per loan, and revenue per originator. Identify which locations are profitable and which need intervention.
Branch P&L reports update continuously from your accounting system and LOS data. Each branch has its own profitability dashboard showing revenue, direct expenses, allocated overhead, and net income. Drill from the network view down to a single branch, and from a single branch down to an individual loan officer's contribution.
Cost-per-loan analysis breaks down expenses into origination cost, processing cost, underwriting cost, and overhead allocation. Branches with high cost-per-loan ratios relative to their peers get flagged automatically. The breakeven calculator shows exactly how many loans a branch needs to fund each month to cover its operating costs at current margins.
Key metrics tracked
- Branch-level P&L (dollars and basis points)
- Cost per loan by branch and channel
- Revenue per originator per month
- Breakeven volume per branch
- Margin analysis by loan program
- Budget vs. actual variance tracking
Originator Performance
Compare loan officers by volume, conversion rate, time-to-close, and customer satisfaction. Surface coaching opportunities before they become performance problems.
The originator scorecard ranks every loan officer against branch benchmarks and network averages. Metrics include total funded volume, application-to-close conversion rate, average days-to-close, rate lock utilization, and condition clearance turnaround. Leadership sees who is producing, who is improving, and who needs support.
Compensation analytics tie production data to commission structures. Managers see projected commission payouts based on current pipeline, identify high-performers who may be at risk of leaving, and spot originators whose production has declined over consecutive months. These signals arrive in the dashboard weeks before they would show up in a monthly production report.
Key metrics tracked
- Funded volume and unit count by originator
- Application-to-close conversion rate
- Average days from application to funding
- Rate lock utilization percentage
- Compensation projections from pipeline
- Production trend (month-over-month change)
Compliance Tracking
Monitor disclosure deadlines, underwriting conditions, and regulatory milestones in real time. Flag at-risk loans before they become findings.
Compliance dashboards track every regulatory milestone for every active loan. TRID disclosure deadlines display as countdown timers with red/yellow/green status. The system flags loans where initial disclosures have not been sent within 3 business days, where closing disclosure delivery is at risk, or where tolerance violations may occur based on current fee data.
HMDA data quality monitoring runs continuously. Rather than discovering data errors during the annual LAR submission, Mortgage BI highlights missing or inconsistent HMDA fields as loans move through processing. Ethnicity, race, sex, income, and geographic data fields are validated against CFPB requirements in real time, reducing the correction burden during year-end filing.
Key metrics tracked
- TRID disclosure delivery compliance rate
- HMDA data field completeness score
- Tolerance violation exposure (current pipeline)
- Condition clearance turnaround by type
- Fair lending approval rate by demographic
- Regulatory deadline risk (days remaining)
Data Unification
Pull data from Encompass, Byte, your CRM, accounting systems, and employee metrics into a single Power BI workspace. No more exporting CSVs between disconnected tools.
Power BI connects to your data sources through native connectors, ODBC bridges, and custom API integrations. Encompass data flows through Encompass Data Connect or direct SQL connections to the reporting database. Byte data arrives through scheduled extracts or API feeds. Your CRM (Salesforce, HubSpot, or others) connects through Power BI's native connectors.
ABT builds and maintains the data model that unifies these sources into a single semantic layer. Loan data from your LOS joins with customer data from your CRM, financial data from your accounting system (QuickBooks, Loan Vision, or others), and employee data from your HR platform. The result is a single workspace where any metric can be cross-referenced against any other, without switching between systems or reconciling spreadsheets.
Supported data sources
- Encompass (Data Connect, SQL, ODBC)
- Byte Software (API, scheduled extract)
- Salesforce, HubSpot, custom CRMs
- QuickBooks, Loan Vision, accounting systems
- SharePoint, Excel, Azure SQL, SQL Server
- 100+ native Power BI connectors
Predictive Analytics
Forecast loan volume, spot seasonal trends, and model scenario outcomes. Move from reporting what happened to predicting what happens next.
Power BI's built-in forecasting visuals use historical loan data to project future volume. Set the forecast to 30, 60, or 90 days and see projected fundings based on your institution's own patterns. Seasonal adjustment accounts for the annual dip in Q4 and the spring purchase-season surge that affects most mortgage lenders.
Scenario modeling lets leadership test "what-if" assumptions. If interest rates increase 50 basis points, what happens to your refi pipeline? If you add two loan officers to the Midwest region, what is the projected volume impact based on regional demand data? These models pull from your historical data, so the projections reflect your institution's actual performance patterns, not industry averages.
Forecasting capabilities
- 30/60/90-day volume projections
- Seasonal trend identification
- Interest rate sensitivity modeling
- Staffing impact scenarios
- Market share trend analysis
- Revenue forecast by product and channel
Five dashboards, five perspectives, one truth
Every role in your institution needs different metrics. Mortgage BI delivers role-specific views so loan officers, processors, underwriters, branch managers, and executives all see exactly what matters to their work. Row-level security ensures each person sees only the data they are authorized to access.
Pipeline and Production View
Personal pipeline health, conversion rates, average days-to-close, and commission tracking. Loan officers see their own performance against branch benchmarks without seeing other originators' individual data.
The pipeline view shows every active loan with its current stage, days in stage, next milestone, and estimated close date. Rate lock expirations appear as countdown badges. The production summary tracks monthly and year-to-date funded volume against personal targets, with trend indicators showing whether the originator is on pace.
Dashboard KPIs
- Active pipeline count and value
- Monthly funded volume vs. target
- Pull-through rate (30/60/90 day)
- Average days application to funding
- Rate lock utilization rate
- Projected commission from pipeline
- Lead source conversion by channel
- Year-to-date production rank
Workflow and Conditions View
Outstanding conditions, document status, and bottleneck identification. Processors prioritize their queue by urgency, closing date, and condition complexity.
The processor dashboard displays a prioritized work queue sorted by closing date urgency. Each loan shows outstanding conditions color-coded by type (prior-to-approval, prior-to-docs, prior-to-funding). Document tracking shows which items have been requested, received, and reviewed. Bottleneck analysis identifies which conditions take longest to clear and which external parties (appraisers, title companies, employers) are slowing the process.
Dashboard KPIs
- Outstanding conditions by type
- Queue depth and priority ranking
- Document request turnaround time
- Condition clearance velocity
- Loans at risk of closing delay
- Third-party vendor response times
- Files processed per day (throughput)
- Rework rate by condition category
Risk and Decision View
Approval rates, turn times, exception trends, and compliance flag density. Underwriters track their decision quality and identify systemic risk patterns across the portfolio.
The underwriting dashboard tracks approval, suspension, and denial rates by underwriter, loan program, and time period. Turn time analysis shows average hours from submission to decision, with drill-down into the factors that extend turn times (incomplete packages, complex exceptions, high-volume periods). Exception tracking identifies which conditions recur most frequently and which loan programs generate the most suspensions.
Dashboard KPIs
- Approval/suspension/denial rate
- Average turn time (submission to decision)
- Exception frequency by category
- Loans reviewed per day
- Post-close audit findings rate
- Credit score distribution of approvals
- LTV and DTI concentration analysis
- Compliance flag density trend
Branch Performance View
Branch-level P&L, originator rankings, marketing ROI, and headcount productivity. Managers compare their branch to the network and spot coaching opportunities.
The branch manager dashboard is the central command for a single location. It combines production data, financial data, and employee performance into one view. Originator rankings show funded volume, conversion rate, and average days-to-close for each loan officer. The P&L section shows real-time revenue, expenses, and net income with trend comparison to prior months and budget targets. Marketing attribution connects lead sources to funded loans, showing which referral partners, online channels, and community efforts generate the best return.
Dashboard KPIs
- Branch P&L (real-time, trend view)
- Originator production rankings
- Cost per loan vs. network average
- Marketing ROI by lead source
- Headcount productivity ratio
- Customer satisfaction scores
- Referral partner contribution
- Budget vs. actual variance
Enterprise Performance View
Organization-wide volume, profitability, compliance posture, and trend forecasting across all branches. Executives get a single pane of glass with drill-down capability into any branch, loan officer, or product line.
The executive dashboard is the highest-level view, designed for CEOs, CFOs, and board presentations. It opens with a network summary showing total funded volume, revenue, net income, and compliance status across all branches. Trend charts compare current performance to the prior year, budget, and peer benchmarks. Drill-down capability lets an executive click from a network-level metric into a specific region, branch, or originator without switching reports.
Board reporting features include exportable visualizations formatted for board packages, scheduled email distribution of key reports, and a compliance summary that shows regulatory readiness at a glance. The forecast panel projects 30/60/90-day volume based on current pipeline and historical conversion rates.
Dashboard KPIs
- Network-wide funded volume and revenue
- Net income by branch and product line
- Year-over-year performance comparison
- Market share trend by geography
- Compliance readiness summary
- Volume forecast (30/60/90 day)
- Employee productivity ratios
- Capital adequacy and liquidity metrics
How your data flows into Mortgage BI
ABT builds and maintains the entire data pipeline from your source systems into Power BI. You do not need a data engineering team. You do not need to write SQL queries or build data models. ABT handles the infrastructure so your team focuses on the insights.
Source Systems
LOS, CRM, accounting, HR, and marketing platforms
Data Pipeline
API connectors, ODBC bridges, scheduled extracts
Semantic Model
Pre-built DAX calculations and mortgage-specific data model
Dashboards
Role-specific views with row-level security
Users
Desktop, mobile, embedded in Teams and SharePoint
Encompass by ICE Mortgage Technology
The primary LOS integration for most ABT clients. Mortgage BI connects to Encompass through two methods, depending on your environment and refresh requirements.
Encompass Data Connect provides a structured API that delivers loan data to your analytics environment in near-real-time. Data flows into a hosted Snowflake instance or directly into your data warehouse, ready for Power BI consumption. This approach keeps analytics queries separate from your production Encompass environment.
Direct SQL/ODBC connections target the Encompass reporting database. Power BI's DirectQuery mode pulls live data without creating copies, while Import mode loads snapshots on a configurable refresh schedule (every 15 minutes to once daily).
API ODBC/SQLByte Software
For institutions running Byte as their LOS, Mortgage BI connects through the Byte API or through scheduled data extracts from the Byte database. The same dashboard framework applies: pipeline visibility, compliance tracking, and role-specific views all work regardless of which LOS provides the source data.
ABT normalizes the data model across LOS platforms, so institutions that use both Encompass and Byte (or that migrate from one to the other) get consistent reporting without rebuilding their BI environment.
API SQLCRM, Accounting, and HR Systems
Power BI supports 100+ native connectors. ABT uses these to pull in data from Salesforce, HubSpot, Microsoft Dynamics, QuickBooks, Loan Vision, and custom CRMs. Employee metrics from ADP, Paylocity, or custom HR databases feed into staffing and productivity dashboards.
The CRM connection is particularly valuable for lead-source attribution. By connecting marketing data to loan production data, Mortgage BI shows which referral partners, advertising channels, and community relationships generate funded loans, not just applications.
Native Connector APIData Refresh Options
Mortgage BI supports multiple refresh strategies depending on how current your data needs to be and which Power BI license tier you use.
- Import mode (scheduled): Data snapshots loaded on a schedule. Power BI Pro supports up to 8 refreshes per day. Premium Per User supports 48 refreshes per day. Best for most executive and branch reporting.
- DirectQuery (live): Power BI queries your data source in real time when a user opens a report. No data copies stored in Power BI. Best for operational dashboards where 15-minute-old data is too stale.
- Composite model (hybrid): Combines Import and DirectQuery in a single report. Use Import for historical trend data and DirectQuery for current pipeline status. Balances performance with freshness.
- Incremental refresh: Only loads new or changed data during each refresh cycle. Reduces refresh time for large datasets from hours to minutes.
Security and Access Control
Every Mortgage BI deployment includes row-level security (RLS) configured by ABT. This ensures each user sees only the data they are authorized to access.
- Loan officers see only their own loans and pipeline
- Processors see loans in their assigned queue
- Branch managers see all data for their branch only
- Regional managers see data for their assigned branches
- Executives see the full network without restrictions
- External auditors get time-limited, read-only access to specific compliance reports
All access is authenticated through Azure Active Directory (Entra ID), using the same identity and conditional access policies that protect your Microsoft 365 environment.
See what your data already knows
Most institutions sit on years of loan data that never gets analyzed beyond basic reports. Mortgage BI turns that history into forward-looking intelligence that drives better decisions today.
Examiner-ready reporting, built into every dashboard
Financial institution examiners ask for data you should already have. Mortgage BI tracks the regulatory data fields, disclosure deadlines, and fair lending metrics that examiners look for, so your compliance team is not scrambling when the exam notice arrives.
Compliance reporting in most financial institutions involves pulling data from multiple systems, reconciling it in spreadsheets, and hoping the numbers match what examiners will find when they look at the source records. That process takes days or weeks. It introduces errors. And it creates stress for compliance officers who know their institution's reputation depends on the accuracy of these reports.
Mortgage BI eliminates that reconciliation burden by sourcing compliance data directly from your LOS and presenting it in dashboards designed around specific regulatory requirements. When an examiner asks for HMDA data, your compliance officer opens a dashboard and filters by year, product type, or geographic area. The data is already validated, already formatted, and already reconciled against the source system.
Home Mortgage Disclosure Act Monitoring
HMDA requires covered financial institutions to collect, record, and report information about their mortgage lending activity. The CFPB's Filing Instructions Guide specifies dozens of data fields that must be accurate in the Loan Application Register (LAR) submitted annually by March 1.
Mortgage BI monitors HMDA data fields continuously, not just at year-end. The HMDA dashboard flags loans with missing or inconsistent data in fields that the FFIEC examiner guidelines prioritize: action taken, loan amount, census tract, ethnicity, race, sex, income, and property type.
The error detection algorithm compares each loan's HMDA data against the valid values specified in the CFPB's Filing Instructions Guide. When a field contains an invalid value or is blank when it should not be, the dashboard flags it for correction. Your compliance team resolves issues while the loan is still active, rather than discovering hundreds of errors during the filing period.
- Real-time HMDA field completeness scoring
- Invalid value detection against CFPB valid values list
- Year-over-year comparison for reporting consistency
- Pre-submission data quality audit report
- Geographic distribution analysis for CRA alignment
Fair Lending Analysis and Monitoring
Fair lending examinations compare approval rates, pricing, and terms across demographic groups. Disparities that cannot be explained by creditworthiness factors can result in enforcement actions, consent orders, and reputational damage.
Mortgage BI includes a fair lending monitoring dashboard that calculates approval rates by race, ethnicity, sex, and geography. Pricing analysis shows rate spread distributions across demographic groups. The dashboard does not replace a formal fair lending analysis (that requires regression modeling from a qualified firm), but it provides the continuous monitoring that many examiners expect to see between formal analyses.
When the dashboard identifies a disparity that exceeds your institution's defined threshold, it generates an alert for the compliance officer. The alert includes the specific metric, the affected groups, the magnitude of the disparity, and the date range. This creates a documented audit trail showing that your institution monitors fair lending continuously.
- Approval rate comparison by demographic group
- Rate spread distribution analysis
- Pricing disparity alerts with threshold triggers
- Geographic lending pattern visualization
- Documented monitoring audit trail
Disclosure Timing and Tolerance Tracking
The TILA-RESPA Integrated Disclosure rule requires specific disclosures to be delivered within specific timeframes. Initial disclosures must be sent within 3 business days of application. Closing disclosures must be delivered at least 3 business days before consummation.
Mortgage BI tracks these deadlines for every active loan. The disclosure compliance dashboard shows all loans approaching or past their disclosure windows, color-coded by urgency. Green means the disclosure was sent on time. Yellow means the deadline is approaching. Red means the deadline has passed or is at risk.
Tolerance tracking monitors fee changes between the Loan Estimate and the Closing Disclosure. When fees change in a way that may exceed the zero-tolerance or 10% aggregate tolerance categories, the dashboard flags the loan for review before the Closing Disclosure is issued.
- Initial disclosure delivery tracking (3 business day rule)
- Closing disclosure delivery countdown timer
- Fee tolerance monitoring (zero and 10% categories)
- Changed circumstance documentation tracking
- Cure amount calculation for tolerance violations
Audit Preparation and Examiner Support
When NCUA, OCC, FDIC, or state examiners arrive, they request production data, turn time analysis, exception reports, and compliance documentation. Most institutions spend 2 to 4 weeks preparing this data manually.
Mortgage BI generates examiner-ready reports directly from your live loan data. Production reports show funded volume by product type, channel, and time period. Turn time reports break down processing speed by stage, branch, and originator. Exception reports identify patterns in underwriting suspensions and denials.
The examiner preparation dashboard consolidates these reports into a single package that compliance officers can share with examiners on day one of the examination. Research from financial services BI implementations shows that institutions with automated compliance reporting reduce their audit preparation turnaround time by 35% to 40% compared to manual processes.
- Pre-built examiner report packages
- Production data by product, channel, and period
- Turn time analysis by stage and personnel
- Exception and denial pattern reporting
- Historical trend data for year-over-year comparison
Power BI licensing, simplified
ABT manages your Power BI licensing through our Tier-1 CSP channel. You get the right license tier for each user without overspending. Here is how the tiers compare.
| Feature | Power BI Pro | Premium Per User (PPU) | Fabric Capacity (F64+) |
|---|---|---|---|
| Price | $14/user/month | $24/user/month | VariesCapacity-based (from ~$5,069/mo) |
| Best for | Teams of 10-500 who need collaboration and sharing | Advanced analysts who need large datasets, AI features, and deployment pipelines | Organizations with 500+ users where per-user licensing costs more than capacity |
| Dataset size limit | 1 GB per dataset | Up to 100 GB per dataset | Up to 400 GB (depends on SKU) |
| Daily data refreshes | 8 per day | 48 per day | 48+ per day |
| Paginated reports | No | Yes | Yes |
| AI features (AutoML) | No | Yes | Yes |
| Deployment pipelines | No | Yes | Yes |
| Free viewers allowed | No (all users need Pro) | No (all users need PPU) | Yes (at F64 and above) |
| Included in M365 E5 | Yes (at no extra cost) | $10/user add-on from Pro | Separate purchase |
Most financial institutions with fewer than 300 employees start with Power BI Pro. If your organization uses Microsoft 365 E5, Pro is already included at no additional cost. Check your existing licenses before purchasing standalone Pro subscriptions. ABT estimates that roughly 30% of the institutions we work with already have Power BI Pro through their E5 agreement without realizing it.
Premium Per User makes sense for a small group of power users, typically your BI team and compliance analysts, who need larger datasets, more frequent refreshes, and AI-powered forecasting. You do not need PPU for everyone. In most deployments, 5 to 10 users need PPU while the remaining users access reports through Pro.
Small Institution (under 50 users)
Power BI Pro for everyone at $14/user/month. Total: $700/month or less. If you have M365 E5, Power BI Pro is already included. ABT handles license assignment and workspace configuration.
Mid-Size Institution (50-300 users)
Power BI Pro for most users. PPU at $24/month for 5-10 analysts who build reports and manage the semantic model. Total: $780 to $4,440/month depending on user count and mix.
Large Institution (300+ users)
Evaluate Fabric capacity (F64 at ~$5,069/month) for organizations where the per-user cost exceeds the capacity cost. At roughly 500 users, capacity licensing becomes more cost-effective than individual Pro licenses, and viewers access reports without needing paid licenses.
What Mortgage BI connects
ABT builds and manages your entire BI environment. From data source connections to dashboard design, we handle the infrastructure so your team focuses on the insights.
LOS Integration (Encompass & Byte)
Direct API connections to your loan origination system. Loan data flows into Power BI automatically, no manual exports or CSV uploads. Supports both Encompass Data Connect and direct SQL/ODBC connections.
CRM and Financial System Feeds
Connect Salesforce, HubSpot, QuickBooks, Loan Vision, or custom CRMs. Mortgage BI unifies marketing, sales, and financial data in one workspace for full-funnel attribution.
Automated Report Distribution
Schedule daily, weekly, or monthly reports delivered by email. Executives get dashboards without logging into Power BI. Paginated reports (with PPU or Fabric) generate formatted PDFs for board packages.
Mobile Access (iOS and Android)
The Power BI mobile app gives leadership access to dashboards from any device. Review pipeline status during a meeting, check branch performance from the road, or monitor compliance metrics from home. All mobile access uses the same Azure AD authentication and row-level security as the desktop experience.
Embedded in Teams and SharePoint
Mortgage BI dashboards embed directly into Microsoft Teams channels and SharePoint sites. Branch managers see their performance data inside Teams without switching applications. Executives access the enterprise dashboard from their SharePoint intranet homepage.
Row-Level Security
Every Mortgage BI deployment includes row-level security configured by ABT. Loan officers see only their own pipeline. Branch managers see their branch. Executives see the full network. Security roles are managed through Azure AD groups, using the same identity infrastructure as your M365 environment.
Guardian Security Insights Integration
Because Mortgage BI is part of the ABT ecosystem, it connects to Guardian Security Insights. See security posture data alongside business intelligence in a unified view. Track which users are accessing sensitive loan data and whether their access patterns match expected behavior.
Managed by ABT
ABT handles data modeling, DAX calculations, visual design, and ongoing maintenance. Your team uses the dashboards, ABT builds and manages them. When your data sources change, your LOS upgrades, or you need new reports, ABT handles it.
From kickoff to live dashboards in 4 to 6 weeks
ABT manages the entire Mortgage BI deployment. Your team provides access to data sources and feedback on dashboard design. We handle everything else: data modeling, DAX calculations, visual layout, security configuration, and training.
Discovery and Data Mapping
ABT audits your current data sources, system connections, and reporting practices. We identify which systems contain the data your dashboards need, map the data fields, and document any gaps or quality issues that need resolution before building dashboards.
- Inventory all data sources (LOS, CRM, accounting, HR)
- Map loan data fields from LOS to Power BI semantic model
- Identify data quality issues requiring cleanup
- Document current reporting process and pain points
- Define dashboard requirements by role
- Provision Power BI licenses through ABT CSP channel
Data Connection and Validation
ABT establishes secure connections to your data sources and builds the data pipeline. We configure API connectors, ODBC bridges, or scheduled extracts depending on your LOS and infrastructure. The data model is built and validated against your source records to ensure accuracy.
- Connect Power BI to LOS (Encompass or Byte)
- Configure data refresh schedule (Import, DirectQuery, or hybrid)
- Build semantic model with mortgage-specific DAX calculations
- Validate data accuracy against source system reports
- Connect CRM, accounting, and supplementary data sources
- Configure row-level security roles based on org structure
Dashboard Design and Customization
ABT builds the five role-specific dashboards using pre-built Mortgage BI templates. Each dashboard is customized to your institution's terminology, KPI targets, branding, and organizational structure. Your compliance team reviews the compliance dashboards. Branch managers review the branch performance view. Executives review the enterprise view.
- Build loan officer, processor, underwriter, branch, and executive dashboards
- Customize KPI targets and thresholds per institution
- Configure compliance dashboards (HMDA, TRID, fair lending)
- Build automated report distribution schedules
- Review cycle with stakeholders from each role
- Iterate based on feedback before go-live
Testing and Security Verification
ABT validates that row-level security works correctly, data refreshes on schedule, and dashboards render properly on desktop and mobile devices. Your IT team confirms that Power BI access uses your existing Azure AD authentication and conditional access policies.
- Verify row-level security for each role (RLS testing matrix)
- Confirm data refresh schedules execute without failures
- Test mobile app access on iOS and Android devices
- Validate Teams and SharePoint embedding
- Confirm Azure AD conditional access policies apply
- Load testing for concurrent user access
Training and Go-Live
ABT provides role-specific training for each user group. Loan officers learn to use the pipeline dashboard. Compliance officers learn to run HMDA and fair lending reports. Executives learn to navigate the enterprise view and export data for board packages. After training, the dashboards go live and ABT provides ongoing support.
- Role-specific training sessions (30-60 minutes per group)
- Written quick-reference guides for each dashboard
- Go-live with ABT support monitoring for the first 2 weeks
- Feedback collection and iteration on dashboard design
- Transition to ongoing managed BI support
- Monthly dashboard health check and optimization
What changes when your data starts working
Institutions that move from static reports to live BI dashboards consistently report faster decisions, fewer compliance surprises, and better visibility into branch performance. Here is what the data shows.
Before Mortgage BI
Branch managers export data from the LOS into Excel every Monday. They spend 2-3 hours building charts and pivot tables. By the time the report reaches leadership, the data is already a week old. Compliance officers spend 2-4 weeks preparing for examinations by pulling data from multiple systems and reconciling it manually. When examiners ask a question that was not anticipated, the compliance team scrambles to pull a new report from scratch.
Loan officers rely on the LOS pipeline view, which shows current status but not trends. They cannot see their conversion rate, their average days-to-close relative to peers, or which lead sources produce their best loans. Production data arrives as a monthly spreadsheet from management, too late to adjust behavior.
After Mortgage BI
Branch managers open their dashboard and see current production, P&L, and originator rankings without exporting anything. The data refreshes automatically. Compliance officers open the examiner readiness dashboard and produce any report an examiner requests within minutes. HMDA data quality is monitored continuously, so year-end filing is a routine data export rather than a multi-week project.
Loan officers check their personal dashboard each morning. They see pipeline status, conversion rate trends, lock expirations, and projected commission. They know which loans need attention today. Managers use the same data to identify coaching opportunities and recognize high performers in real time rather than after-the-fact at month-end reviews.
Why financial institutions choose ABT for business intelligence
ABT is not a BI consulting firm that builds dashboards and walks away. We are the same team that manages your Microsoft 365 environment, secures your tenant with Guardian, and handles your licensing. Business intelligence is one layer in a fully managed technology relationship.
Single Relationship
Most organizations buy licensing from one vendor, managed IT from another, security from a third, and BI from a fourth. ABT collapses all of that into one relationship. Your Power BI environment shares the same security controls, identity management, and support team as your M365 tenant.
25 Years in Financial Services
ABT has served 750+ financial institutions since 1999. We understand mortgage lending workflows, regulatory requirements, and the reporting needs of credit unions, community banks, and mortgage companies. Our data models are built from that experience, not from generic templates.
Tier-1 CSP Licensing
ABT is the largest Tier-1 Microsoft CSP primarily dedicated to financial services. Your Power BI licenses, M365 subscriptions, and Azure services all come through a single CSP agreement with volume pricing, direct Microsoft support escalation, and a dedicated ABT account team.
Related reading
Business Intelligence for Mortgage Companies: A Practical Guide
How BI tools connect your LOS, CRM, and financial systems into a single platform that powers faster, better decisions for mortgage lenders.
The Blueprint for a Fully Connected Microsoft 365 Workflow in Financial Services
How credit unions and banks connect their data systems into a unified workflow that powers better decisions.
The Data Behind AI Readiness: What Frontier Firms Know That Laggards Don't
Clean, governed data is the foundation for AI. Frontier Firms invest in BI before deploying Copilot.
Frequently asked questions
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