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6 Best Mortgage POS Systems in 2024

In the intricate world of mortgage processing, efficiency and precision can set successful financial institutions apart. As 2024 unfolds, Mortgage Point-of-Sale (POS) systems are becoming indispensable allies in managing loan applications. Such platforms are now increasingly sophisticated, offering solutions that simplify the task of gathering, organizing, and validating essential borrower documentation. In this article, we'll delve into the top 6 Mortgage POS systems that stand out in their capabilities—from their seamless integrations with CRMs, LOS, and credit bureaus to their adeptness at sending automated notifications at pivotal loan stages. Plus, in a world where branding is paramount, we’ll explore which systems allow companies the luxury of a tailored, white-labelled experience, making the platform feel like a seamless extension of the loan officer's or bank's unique brand identity.

SimpleNexus Mortgage Platform

A good mortgage POS system for optimizing and streamlining every process

On Quote

Custom pricing

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The best mortgage POS system for unmatched efficiency and value


Fixed pricing plan


Efficient mortgage POS system with comprehensive document templates


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Navigating the intricate world of mortgages demands tools that simplify, streamline, and optimize processes for both lenders and borrowers. As you consider adopting or upgrading your Mortgage Point-of-Sale (POS) system, it's crucial to understand the core features that can significantly enhance your operations and client experience. In this section, we dive deep into ten essential functionalities to seek out in a mortgage POS platform. These are more than just 'nice-to-have' features; they're pivotal components that can redefine how you manage and process loan applications. Let's delve in.

10 essential mortgage point of sale software features:

Navigating the vast sea of Mortgage Point-of-Sale (POS) systems can feel overwhelming. But, understanding how these tools are practically applied in real-world scenarios can provide clarity. Before we delve into the specifics, let's uncover the diverse ways organizations are harnessing the power of these platforms.

5 key ways to utilize your mortgage POS system 

Now that, we've shown you the invaluable features that set apart top-tier Mortgage POS systems and immersed you in real-world scenarios to bring those features to life. You have learned how these platforms not only simplify document management but also keep all stakeholders in the loop with real-time notifications. Additionally, the benefits of brand consistency and seamless integrations have been highlighted. With this foundational knowledge of essential functions in place, we're about to dive into the specifics of the best mortgage POS systems available in 2024. Stay with us, as the insights ahead are tailored to guide your selection process! Now let’s dive in to our top POS platforms.

Quick comparison of top mortgage point of sale systems

Software Intro price Differentiator
Premier all-in-one mortgage POS system offering the greatest value
Simple Nexus
On quote
An all-encompassing Mortgage POS system designed to optimize and streamline processes
Extensive range of document templates elevates operational efficiency while ensuring stringent compliance
Blend Mortgage Suite
On quote
AI-driven automation to deliver a seamlessly exceptional customer experience
On quote
A highly customizable Mortgage POS system enriched with diverse workflow templates to cater to a multitude of business requirements
On quote
A visually striking mortgage POS system for a superlative customer experience

1. Shape

Founded: 1999
HQ: Irvine, California, United States
Key info
Free plan: No
Support: 24/7 (In-product support + email)
Best for
The most comprehensive Mortgage POS system suitable for businesses of all sizes
+ Shape mortgage software helps lenders improve efficiency, reduce costs, and enhance the borrower experience by providing a more streamlined and automated mortgage process.
+ Can call, text, and email from within the system
+ Shape facilitates efficient management of business contacts and clients on a daily basis
- Has lots of configuring options which can make it hard to setup
- Has a learning curve
Zapier, LendingPad and many more
Pricing Model
Sales & Marketing CRM: $119/user/mo
Point of Sale: $47/user/mo
Lead Funnels: $299/mo

Shape CRM is a top-rated CRM with everything your mortgage company needs to generate more leads and close more loans. From LOS integrations to built-in mortgage point-of-sale solutions, pre-built mortgage marketing templates, and more, Shape offers an all-in-one lending solution that helps you improve communication with clients and streamline your mortgage business operations.

Shape’s mortgage marketing suite is a real game changer. With pre-built email, video, text, and campaign templates, you can enhance customer engagement throughout the entire mortgage process, from application to post-close. 

You can even collaborate with realtors and referral partners and send co-branded newsletters, landing pages, and flyers to increase the ROI from your closed loans. This suite gives you all the essentials to stay ahead of your competitors. But it doesn’t end there. 

Shape takes this efficiency even further with a white-labeled and mobile-optimized customer portal that automates follow-ups, documents, and missing information. Depending on where your clients are in your pipeline, you can set up automated texts and email reminders from the portal and concentrate on more critical tasks. And, since the portal is fully white-labelled, you can customize it with your logo and branding to appear more professional and reinforce your clients’ trust in your brand.

Shape CRM loan management

The client portal also helps you collect customer information and close deals faster through a responsive lead funnel that uses a survey-style, question-and-answer format to collect customer information and documents safely. This survey-style format is engaging and less overwhelming, which makes clients provide their details faster so you can quickly move them through the sales pipeline. 

After collecting these documents, the portal’s eSignature solutions digitize contract signing, removing the need to invest in an expensive third-party service. The best part is Shape automatically stores all these documents in a secure cloud-based storage, so you won't have to surf through emails for attachments whenever you need them. 

Overall, Shape confidently boasts of this client portal and claims that letting the portal handle all your mortgage applications, intake, and other tedious manual entries can save you over 20 hours a week.

Despite these robust features, Shape adds another dimension of versatility by integrating with Loan Origination Systems (LOS) like Encompass and LendingPad.

Shape CRM customer portal

With these integrations, you can seamlessly sync and share data between Shape and your LOS, which reduces manual data entry and other challenges that come with it, such as errors in data, missing requirements, and duplicates. Shape also integrates with other essential systems like CRMs and credit bureaus for credit checks through Zapier.

To round up, Shape Mortgage POS system is easy to use and can help lenders improve efficiency, reduce costs, and improve the borrower experience, all through a more streamlined and automated mortgage process. However, being an all-in-one mortgage POS system, it could be a little overwhelming initially. But with a 4.9/5 review on G2 and user reviews praising the customer service for being highly responsive, this challenge is quickly alleviated. 

Starting at $47 a month with over 500 features purposely built for the mortgage sector, Shape is the preferred choice for many top mortgage brokers, loan officers, and lenders. It’s no wonder why many reviews confidently refer to it as a "Better alternative to Salesforce and Hubspot!"

2. SimpleNexus Mortgage Platform

Founded: 2011
HQ: North Carolina, USA
Key info
Free plan: No
Support: phone, chat
Best for
Mortgage brokers who want to streamline their operations
+ Multi language support
+ Feature rich mobile App
+ Provides real-time updates to borrowers on loan status through website
- Automations are limited to a few basic conditional logic
- The software glitches from time to time
Finastra, Mortgage Coach, Surefire and many more
Pricing Model
On quote

SimpleNexus is a comprehensive mortgage POS system designed to streamline every aspect of the mortgage application and transaction process. In 2022, the platform was acquired by nCino and officially rebranded as nCino's Mortgage Suite. 

SimpleNexus (now nCino) places a strong emphasis on borrowers’ experience, offering a user-friendly interface and a wide range of mortgage tools that simplify everything from initial contact to application, closing, and even business intelligence.

From the outset of our evaluation, we were immediately impressed by the platform's ability to adapt to the needs and expectations of modern consumers. Today, consumers are constantly connected to their mobile phones and expect immediate access to services. Having a seamless, on-the-go mortgage application experience that aligns with the modern consumer's lifestyle is essential. SimpleNexus (nCino) addresses this need with easily accessible mobile-first solutions that increase your loan officers' productivity and provide borrowers with a straightforward application process.

Simple Nexus Dashboard

One of SimpleNexus’s key features is its Document Scanner, which simplifies the process of uploading, organizing, storing, and retrieving the necessary documents for a home loan. With this tool, borrowers can conveniently scan their documents using a mobile and securely transmit them to the mortgage system. Your team can then access, review, and manage these documents through your SimpleNexus web dashboard. The information in these documents is safe as the platform provides vital security measures, including secure scanning, data encryption, and cloud data security. 

SimpleNexus (nCino) also integrates with external digital lending solutions, including Loan Origination Systems like Encompass and digital signature solutions like First American Docutech and DocuSign. These integrations ensure that borrowers can effortlessly move through the loan origination process and transition to document signing without leaving the SimpleNexus platform. 

Enhancing the borrower experience goes beyond simply streamlining the document management process. It also involves maintaining consistent, relevant communication, which improves the customer experience and helps build your credibility and trust with customers. In fact, a study from J.D. Power indicates that 63 percent of customers would leave their mortgage service provider in search of better customer service.

Simple Nexus reports

Therefore, to ensure your company doesn't find itself on the chopping block, SimpleNexus enables proactive and efficient engagement with borrowers and partners right from the initial application stage.

You receive automatic notifications customized to your business workflow, including updates on every newly started mortgage loan application and loan status milestone, along with integrated instant chat. These notifications give borrowers real-time updates and a transparent view of their loan progress, reducing their anxiety and strengthening your relationship, leading to higher conversion rates. They can also easily access live rates through the platform's mortgage payment calculator.

As your customers engage with you, SimpleNexus's customizable white-label solutions allow you to brand throughout every stage of the interaction. By offering customized lending tools and resources that align with your branding, objectives, and values, you not only enhance your brand visibility but also strengthen customer loyalty. 

However, we found the landing page customizations a bit limited. Customization pages requires special requests and there are limits on what can be altered. Being the initial point of interaction for your clients, this can be a drawback. It could restrict the expression of your brand's unique identity and offerings, affecting your user experience.

Simple Nexus transaction management

Despite the constraints around landing page customization, you can leverage the platform’s real-time performance data, key insights, and industry-specific business intelligence to guide your decision-making process, focusing on elements that resonate most with your audience. The insights can also help you better understand user behavior, strategically improving your landing page's user experience. 

When it’s time to finalize the mortgage, the platform is flexible and supports different closing strategies, from traditional to hybrid and fully digital methods. 

Although SimpleNexus offers multiple pricing plans, they are not publicly available on the website. To get detailed pricing information, you will have to schedule a demo with them. 

Overall, its user-centric approach, comprehensive features, and mobile accessibility make it one of the best mortgage POS system. It has a remarkable 4.9/5 score on G2 from numerous financial professionals, and one of these professionals stated, 'SimpleNexus has made my work life so much easier. I love it, and my clients love it too. It's easy to use.

3. Floify

Founded: 2013
HQ: Colorado, USA
Key info
Free plan: No
Support: Phone, email
Best for
Mortgage Firms that want to standardize communications using document templates
+ Ensures all documents are submitted by sending detailed notifications to borrowers
+ Comprehensive document templates ensure that there is no need for any manual creations
- Some key integrations don't sync well, leading to data no updated as required.
- The platform provides limited options for customization
Encompass®, BytePro, LendingQB, LendingPad, Surefire CRM, Mortgage Panda, Jungo, Factual Data and more.
Pricing Model
Business Plan: $70 per month
Team Plan: $200 per months
Enterprise Plan: Custom

Floify is a leading mortgage POS system tailored to help loan originators and mortgage executives streamline loan processing. It's a secure platform for communication and document management among lenders, borrowers, and other key players in the mortgage process.

With Floify, you can effortlessly handle loan applications, verify borrower documents, track the progress of loans, and maintain communication with both borrowers and real estate agents. All these features are designed to help you close loans quickly. 

Floify doesn't just ease the process for mortgage brokers; it simplifies things for borrowers as well. They can quickly fill out their loan application, upload any necessary documentation, eSign disclosures, and keep track of their loan status — all in one user-friendly location.

In particular, Floify's interview-style loan application feature stood out during our software evaluation. It guides borrowers through the application step by step, allowing them to move at their own pace. As borrowers complete each section, a summary screen pops up, allowing them to review their data for accuracy. This ensures a smooth, user-friendly experience throughout the loan application process.

After a borrower submits a loan application, Floify helps you assess their creditworthiness with integrated credit reporting. The journey from application to loan closure involves several documents, and Floify simplifies this process by capturing and managing all necessary paperwork in one centralized location. This removes the need for multiple requests from borrowers and ensures that documents are easily accessible when needed. 

Floify-Customer portal

Floify also integrates with most major mortgage software platforms, such as Encompass by EllieMae, Dropbox, Docusign, Blumortgage, and others. Through this integration, borrowers can conveniently receive, review, and electronically sign disclosures within the same user-friendly web portal they used for their application and document submission. 

As expected from a reputable mortgage POS solution, Floify offers automated and highly customizable communication solutions for all involved parties. These automated features include system-generated notifications that serve various purposes, such as informing borrowers about the documents they still need to provide (Needs List), notifying them when additional documents are added (Add Document Notice), or alerting them about impending deadlines (Deadline Notice). 

These notifications can be fully customized using email and SMS/text templates to align with your team’s workflow and continuously create a seamless borrower experience.

As Floify assists with all these crucial aspects of the loan process, it's essential to ensure that your branding is effectively promoted and reflected throughout the borrower's journey. Consistent branding not only fosters trust but also makes a lasting impression on both your borrowers and other stakeholders.

With simple configurations, you can embed Floify within your website and mask its domain bar using the URL white labelling feature. With this, when borrowers visit your site and access Floify, they will see your URL in the address bar. Also, when they receive text messages and emails from Floify, it will display your site's URL. This personalized touch enhances your brand visibility and professional image.


Floify's pricing might seem relatively high; however, unlike many other mortgage POS software, they maintain transparency with their pricing, with no hidden charges. They offer three pricing plans: Business, Team, and Enterprise. The Business and Team plans are priced at $79 and $200 per month, respectively, when billed annually. For the Enterprise plan, they provide a custom quote specific to user needs.

The Business and Team plans cover essential features such as a secure borrower portal, customizable digital loan application, automated notifications, e-signature, and various integrations. However, advanced features like enterprise-grade LOS Integrations with Encompass, MeridianLink, and BytePro are exclusive to the Enterprise plan subscribers.

All these features are housed on Floify’s Excellent security and compliance. Floify prioritizes the security and safety of client information and documentation, ensuring that all data is handled securely and complies with industry regulations. 

All these features are housed within Floify's robust security and compliance framework. Floify prioritizes the security and privacy of client data and documentation, ensuring all information is managed securely and in line with industry standards.

Online customer reviews applaud the comprehensive, all-in-one functionality and the high degree of customization that Floify offers. However, some loan officers have cited the pricing as a key factor deterring them from fully committing to it. Despite this, the platform has a 4.8/5 score on G2. 

To sum up, Floify has firmly established itself as one of the best mortgage POS system by prioritizing smooth workflows between mortgage lenders, borrowers, and other involved parties. With its ability to integrate with various platforms, such as credit reporting agencies, income and asset verification providers, and other LOS systems, Floify remains an asset in the mortgage industry.

4. Blend Mortgage Suite

Founded: 2012
HQ: San Fransisco, USA
Key info
Free plan: No
Support: Chat, Support Tickets
Best for
Mortgage firms who want to offer a seamless borrower experience
+ Personalized onboarding for each borrower
+ It is highly customizable and can be customized to all business needs
+ It integrates very well with important 3rd party apps
- Due to extensive customization, providing trainings can be difficult
Avantus, MeridianLink Mortgage, Salesforce, Jungo and other
Pricing Model
On quote

Coined from the phrase "Better Lending", Blend is a cloud-based digital lending platform that assists retail banks, mortgage companies, and credit unions in managing leads and simplifying lending services. 

Blend's vision of 'Better Lending' extends beyond just the name. The platform is committed to streamlining digital applications for borrowers and reducing the time required to process loans. This includes automating processing steps that could potentially cause delays or errors. For instance, with automated notifications and real-time communication, you can keep track of tasks, boost engagement, increase transaction success, and speed up deal closures.

Blend also provides mobile applications for both Android and iOS devices, enabling you to effortlessly generate new leads, sign digital documents, and get automated loan status updates wherever you are.

Blend-Loan Application

During the loan application process, Blend allows borrowers to directly upload required documents to a dedicated section within their portal. As a lender, you can access and manage these documents through the platform's integrated storage portal. If necessary, you can upload additional documents on behalf of the borrower or archive any existing documents that are no longer relevant or were submitted in error. Blend also gives you and your team the control to regulate document access and determine which documents can be viewed by borrowers and other third parties involved in the application process.

Blend’s DocAI solution further simplifies these functionalities. The AI technology can automate application processes, provide instant responses to customer queries, and request necessary documentation even after applications have been submitted. Plus, with the platform’s pre-built reports, you can easily visualize your key metrics and make informed decisions. The AI solution to facilitates creating an efficient loan process.

The best part is with Blend’s white labeling ability, you can offer your clients these excellent experiences, all under your brand name. As they experience a series of positive interactions, each branded with your financial institution's visual identity, it strengthens their loyalty to your brand.

Blend loan application form

Even with its comprehensive features, we found the initial setup with Blend quite straightforward due to the intuitive onboarding process. Blend does a great job onboarding new users by offering a dynamic question engine that personalizes the experience for each borrower, simplifying what information they need to provide.

The platform also offers educational onboarding webinars for training new sales and support staff or refreshing loan teams on the best practices. However, we did experience relatively slow response times, which could potentially detract from their overall user experience. 

In summary, with its automated workflows, robust integrations, intuitive onboarding process, and all-inclusive features, it’s no wonder Blend claims customers who start an application in the platform have an 89% submission rate. However, their pricing remains undisclosed; you would need to request a demo to determine if this mortgage POS software fits within your budget.

5. BeSmartee

Founded: 2006
HQ: California, USA
Key info
Free plan: No
Support: phone
Best for
Large enterprises who want a mortgage POS system that can be tailored to their needs
+ Supports different workflows
+ The portal is completely customizable
- Does not have a mobile App
surefire, meridianlink, equifax, docmagix and over 165 others
Pricing Model
On quote

BeSmartee is an advanced mortgage POS system designed to move borrowers from application submission to appraisal in just a few minutes. To achieve this, it uses big data and its pre-population feature that automatically fills in parts of the application to save borrowers a lot of time and effort. 

BeSmartee efficiently manages vital aspects of the mortgage procedure, such as loan application, credit monitoring, and hectic income and employment verifications. It also partners with Arivs, a certified appraisal management company, to perform mortgage appraisals.

This collaboration enables your mortgage business to provide borrowers with accurate, unbiased property appraisal estimates, building more trust in your services and the entire mortgage process. It removes the uncertainty commonly associated with mortgage lending and ensures borrowers feel confident as they proceed with their loan applications.


Navigating BeSmartee is seamless for borrowers, thanks to its user-friendly loan dashboard. From document uploads to data entry, every tool necessary for managing the loan application process is provided on the dashboard. 

On the mortgage provider’s end, the Loan Pipeline Visibility feature provides a complete view of each loan’s lifecycle, from start to finish. This ensures that you don't miss any detail and that borrowers receive the attention and service they require at every stage of the mortgage lending process.

The platform further prioritizes open communication with its automated notifications. These notifications, whether through email or text messages, ensure that you and the borrowers are updated with the loan progress. BeSmartee's integration with Twilio takes this functionality a step further, enhancing the delivery of automated notifications. With Twilio, you can send borrowers one-way transactional SMS messages for essential, time-sensitive communications.

Another feature that set BeSmartee apart during our test is its diverse workflow options. Unlike other POS systems that offer a one-size-fits-all approach, BeSmartee provides various workflows tailored to unique lender preferences. To crown it all, these workflows can be white-labeled to match your brand, incorporating aspects like URL, logos, and font styles.

BeSmartee- loans search

However, BeSmartee is not without its limitations. Despite being mobile-friendly, it lacks a dedicated mobile app. This means you are confined to accessing the platform through web browsers, missing out on the seamless user experience and instant notifications a dedicated mobile app could provide.

Although BeSmartee's pricing depends on the organization's needs. To obtain pricing information, you would have to reach out to BeSmartee directly to request a quote.

As application standards continue to shift towards borrower protection, BeSmartee is a reliable choice for managing these changes. The platform’s commitment to data security is reflected in its SOC 2 Type II and PCI DSS certifications and adherence to various digital compliance policies, laws, and regulations. Beyond this, BeSmartee constantly evaluates its platform to detect potential security and compliance risks. 

By integrating advanced technologies like big data and artificial intelligence, BeSmartee has established itself as one of the best mortgage POS system. User reviews corroborate this claim as many users praise its versatile workflows, advanced features and numerous integrations. Although some users point out the lack of a mobile app as a significant limitation, the platform’s 4.5/5 rating on G2 shows that BeSmartee remains a top choice for mortgage point-of-sale systems.

6. Loanzify

Founded: 2007
HQ: California, USA
Key info
Free plan: No
Support: phone, email
Best for
Mortgage professionals looking for an affordable mortgage POS system
+ Secure portal for documents
+ Mortgage calculators
- Finding information can be hard as one has to navigate several pages to find the info
- Setup can be difficult
Lendingpad, Encompass, integra
Pricing Model
On quote

Loanzify is a visually appealing mortgage POS software.The front end is simple, user-friendly, and well designed, making it an attractive choice for both borrowers and lenders. You can also personalize the system to reflect your brand's look and tone. 

Loanzify is more than just a visually appealing interface. This mobile mortgage POS system also allows borrowers to calculate monthly mortgage payments and refinancing scenarios, submit documents, and sign closing documents from their mobile devices.

One of Loanzify’s notable features is its application process. Starting with an interview-style questionnaire that includes visual prompts and a progress bar, it guides borrowers through the application process and encourages them to complete it promptly. 


Loanzify further simplifies the intake process with its "if-this, then-that" automation. With just a click, you can add questions, create drop-down menus, hide unnecessary fields, and edit text. For example, if a specific question is answered a certain way ("if this"), you can automatically make related questions appear or disappear ("then that").

After completing the intake process, borrowers can effortlessly upload all their documents. The system then intuitively guides them through their documentation Needs List to promptly review and organize all files. 

Like any project, proper communication is essential for a successful mortgage process. Loanzify ensures all relevant parties are always on the same page through automated notifications and group messaging. These features ensure everyone stays informed and up-to-date about loan status, required documentation, and other milestones. 

Loanzify sends various notifications, including SMS, push notifications, email notices, autoresponders, and in-app messaging. These automated notifications can be triggered by specific events, such as when a loan application is approved, or a borrower signs a document.

Loanzify- Calculator

To ensure the customer experience stays seamless, Loanzify integrates with Zapier and with major third-party Loan Origination System LOS applications, including Encompass, Calyx Point, PC Lender, and LendingQB.

Despite its well-packed functionalities, Loanzify's pricing structure is affordable and flexible, offering both Basic and Deluxe options. The Basic plan costs $19.95 a month, while the Deluxe plan costs $29.95. 

It also provides a free trial to explore the platform’s features before committing. Loanzify also has a customized option for Enterprise clients, with multi-branch support and a personalized app name and icon.

Like other POS systems on this list, Loanzify takes protecting personal and financial data seriously. The platform uses advanced firewall technology, data transmission encryption, and intrusion detection technology to protect account, user, and borrower information. Loanzify also has a rigorous commitment to compliance that aligns with your needs, providing a secure and trustworthy environment. 

If you need personalized assistance while using the platform, Loanzify provides daily office hours Q&A sessions through Zoom. You can also reach out to any member of the sales team via phone or email.

With a rating of 4.7/5 on Capterra, users often commend Loanzify for its affordability, automated notifications, and clean presentation. However, despite the platform’s user-friendly and intuitive nature, new users should take advantage of the setup videos and tutorials to fully utilize the platform's features and avoid missing out on opportunities.

Wrapping up

In the rapidly evolving world of mortgage lending, having a sophisticated Point of Sale (POS) system is no longer a luxury—it's a necessity. Through this article, we've journeyed together, exploring the pivotal features that differentiate the best mortgage POS system from the rest. From streamlined document management to real-time notifications and from white-labeling capabilities to seamless integrations with other key systems, you have learned what truly makes a system stand out. Moreover, the real-world utilization scenarios painted a vivid picture of how organizations harness the power of these platforms to enhance their operations. As the mortgage landscape continues to shift and grow, being equipped with the right POS software can be the difference-maker. We trust that with the insights shared, you're now well-equipped to make an informed choice, ensuring efficiency, trust, and client satisfaction in all your mortgage endeavors.


Our Top Pick - Shape


4.8/5 - from 2,000+ reviews

All-in-one software for marketing, sales, customer service, CRM, and operations. Improve communication and maximize your business.

Please note: All pricing mentioned in this article is based on information available as of 14-1-2024 and sourced from the respective companies' public pricing pages. While we strive for accuracy, we recommend verifying with the specific company for the most up-to-date details.

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