The start of a new year is the perfect time to reassess what’s working, what’s slowing you down and where small changes can unlock big gains. Your point of sale (POS) plays a critical role in shaping borrower experience, operational efficiency and pull-through — making it a powerful place to focus as you set goals for the year ahead.
Here are five resolutions that can help boost your POS performance and satisfaction in the year ahead.
1. Remove friction from the borrower journey
Borrowers expect a digital experience that feels intuitive, flexible and forgiving. Every extra click, login or document upload increases the risk of abandonment.
Today’s leading point-of-sale experiences are powered by intelligent automation that reduces manual effort without disrupting the borrower journey. Documents are recognized, cleaned and validated automatically; data flows seamlessly across the application, and compliance checks occur in the background.
Borrowers are free to verify income in the way that works best for them, whether that’s connecting to payroll, uploading documentation or entering information manually. The result? A POS that reduces friction instead of multiplying it, keeping borrowers moving forward instead of dropping out.
2. Reduce operational costs with intelligent automation
Improving point-of-sale performance isn’t just about the borrower-facing experience; it’s also about what happens behind the scenes.
Manual reviews, duplicate data entry and constant follow-ups drain time and resources from processing teams. POS platforms that leverage intelligent automation can significantly reduce processing costs by limiting human intervention where it adds little value. Automated data extraction and verification enhance consistency and accuracy, while minimizing rework. When fewer errors are introduced early in the process, files move faster downstream and teams spend less time chasing corrections and clarifications.
Over time, these efficiencies compound, resulting in faster cycle times, lower operational costs and a more scalable workflow that can handle volume without increasing headcount.
3. Deliver borrower education at the moment it matters
Confusion is one of the biggest barriers to application completion. When borrowers feel uncertain or overwhelmed by unfamiliar terminology and requirements, even motivated applicants can struggle to move forward.
POS experiences that embed clear, plain-language education directly into the application process can significantly reduce this friction. When borrowers have easy access to explanations for loan details and key disclosures — in their preferred language and without needing additional logins — they’re more confident completing tasks and less likely to pause or disengage.
By delivering education at the moment it’s needed, lenders can reduce inbound questions, limit back-and-forth communication and keep applications moving forward.
4. Streamline disclosures and condition workflows
Disclosures and conditions are often where loan momentum slows. Improving POS performance means smoothing these transitions so that files continue to move forward without unnecessary bottlenecks.
Modern disclosure and condition workflows prioritize simplicity and automation. Cleaner interfaces, fewer steps and more intelligent task routing help teams work faster with less effort, reducing delays while minimizing compliance risk. Clearer organization also makes it easier for borrowers to understand what’s required of them, limiting confusion and missed tasks.
When disclosures and conditions are streamlined within the POS experience, lenders benefit from shorter processing times, improved accuracy and greater transparency throughout the loan file, without the constant back-and-forth that slows teams down.
5. Have flexibility for product-mix shifts
Borrower expectations are evolving, and so are loan products. A one-size-fits-all application no longer meets the needs of lenders offering construction loans, HELOCs, non-QM products or other specialized programs.
POS platforms that support configurable and customizable application workflows provide lenders with the flexibility to adapt without disruption. Instead of relying on engineering resources or workarounds, teams can tailor applications to fit specific loan types, operational requirements and borrower experiences.
This kind of flexibility makes it easier to introduce new loan products, deliver differentiated experiences and modernize loan origination workflows at a pace that keeps up with the market.
Start the year with a smarter POS
By committing to these resolutions, lenders can start the year with a smarter, faster and more adaptable point of sale, one that benefits both borrowers and internal teams alike.
Want to see how Floify powers modern lender workflows?
Our team can walk you through how Floify automates document intake, enhances accuracy, and simplifies the entire borrower experience.
Let’s explore it together.
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