Recording a referral
A referral is a lead that came from a source worth crediting — an existing borrower, an agent, or a partner. Recording it properly means the credit follows the prospect all the way to conversion, rather than being lost the moment the lead enters the pipeline.
What recording a referral does
When you capture a lead as a referral, you attach the source to the lead record. From that point the referral is tracked like any other lead through the pipeline — captured, qualified, application, converted — but with the referring source carried alongside it the whole way.
Following a referral to conversion
The value of attribution is that it survives every stage. A referral that stalls at qualification is visibly different from one that converts to a disbursed loan, and because the source stays attached, you can see which referrers actually produce borrowers — not just who introduced the most names.
- The referral source is recorded when the lead is captured.
- The lead advances through the same pipeline stages as any other lead.
- On conversion, the referral is tied to the disbursed loan, so any referral-based reward can be calculated against a real outcome.
A referral credits the source who introduced the lead; agent commission credits the field agent who worked it. They are attributed separately, so both can apply to the same converted loan without conflict.