The Point of Sale (POS) is the borrower-facing layer of modern mortgage technology. Where the LOS handles the loan-processing logic and the CRM handles the marketing relationship, the POS handles the borrower’s direct interaction with the mortgage process.
What the POS does
- Renders the 1003 application as a mobile-friendly online form
- Walks the borrower through document upload (with conditional logic showing only relevant documents)
- Handles e-signature for disclosures and applications
- Provides loan status visibility to the borrower
- Sometimes includes messaging, video chat, or AI assistant features
POS vs LOS vs CRM (the three-system mortgage stack)
- POS — borrower-facing UI for application, documents, status
- LOS — loan officer / processor system for underwriting, compliance disclosures, AUS submissions, investor delivery
- CRM — marketing relationship system for lead management, drip campaigns, past-client retention
All three systems are typically integrated. A borrower fills out the POS, the data flows to the LOS for processing, and the CRM tracks the lead-to-close-to-retention motion.
Common POS platforms in 2026
Blend, SimpleNexus (now nCino), Floify, BeSmartee, Maxwell, ICE Encompass POS, BNTouch’s own POS layer. Many lenders integrate a third-party POS with their preferred LOS rather than using the LOS vendor’s bundled POS.
