In the mortgage business profits come one loan at a time.  Therefore, every loan must be fully reconciled and audited  for completion before commissions or any bonuses are paid on those loans.

The process for paying salaries and commissions to the staff is the starting point of the auditing process.  If your  system is run properly the reconciliation process is simple, just verify the totals.  The operational controls built into a  system force the completion of items necessary to properly record a loan transaction including the related costs.