How to Set Up Borrower Portal (POS)

This guide walks System Administrators through setting up and configuring the Borrower Portal (POS) in LendingPad, including creating POS lead provider campaigns, enabling borrower portal access, configuring pricing and credit actions, and customizing the borrower portal landing page.

Lendingpad

How to Enable POS

Click **Settings**

Search for **POS** or click **POS** from the left-hand menu.

Click **POS Settings**

Configure the following **POS Settings** based on your company’s workflow and preferences. Fields marked with a **red asterisk (\*)** are required; all other settings can be configured as needed.

Click the **Access** menu and choose the option you would like to use from the dropdown: **Disabled**, **Basic**, or **Full**.

**Basic** means users can only invite borrowers to existing loan files. When borrowers access the system, they will only be prompted to enter their email address and loan number. Company and LO-specific application URLs for creating new loan files **are not available** with this option.

**Full** allows for additional customization and provides both company and LO-specific POS links for borrowers creating new loan applications.

If you are using **Full** access, click the **Campaign** field and select a campaign with POS access enabled. If the dropdown is blank or no campaigns are available, select **How to Create Lead Providers with POS Access** from this guide’s left-hand menu for instructions on setting one up.

Next, you can designate a team with the **Loan Assistant** user role here. If a borrower uses the company application link and does not select a loan officer, the file will be routed to the designated Loan Assistant team’s pipeline instead of appearing in every loan officer’s pipeline. The Loan Assistant can then assign the file to the appropriate loan officer.

Configure the **Loan Types** section as required. When a Pricing Provider is enabled under POS > Actions > Pricing Provider, these selections determine which loan products are available for consumer-facing pricing inquiries.

Toggle **Allow Customizations** on if you would like your loan officers to customize their personal POS link landing page.

Toggle **Subject Property Disabled** on if you do not want borrowers to enter a **Street Address** for the subject property. When enabled, the Street Address field will not be available; however, borrowers will still be required to enter the **City, State, and ZIP Code**. These fields are used to help determine county conforming loan limits and company/LO state licensing requirements, if applicable.

Toggle **Loan Officer Selection Disabled** on if you do not want borrowers to select a loan officer when using the company’s POS link.

Set a default **Down Payment Percent** to pre-populate a starting percentage in the borrower portal. Borrowers can adjust this percentage as needed.

Configure **Borrower Agreements** to select the agreements borrowers must acknowledge before submitting their application through the POS. To create and add a custom borrower agreement, refer to[ **How to Add Additional Forms to the POS**](https://kb.lendingpad.com/how-to-add-additional-forms-to-the-pos) for step-by-step instructions.

Click **Add Program** to set up loan programs if you would like borrowers to select a program during the application process. The selected program information will sync back to the LOS under **Borrower Needs > [[Borrower Information]]**

Click **Save** when finished.

How to Enable POS Actions

To allow borrowers to pull credit reports or access pricing through the borrower portal, click the **Actions** tab.

Click **+ Add New Action**

Click **Credit Report**

Or Click **+ Add New Action**

Then choose **Pricing Provider**

Click **Contact** and select your Credit Report Vendor from the menu.

Set **Credit Card Information Required** to **Yes** or **No** based on whether borrowers must enter credit card information to pull credit reports.

You can also enter a disclosed or estimated cost for **individual** and **joint credit reports**.

You can follow the same steps to set up the pricing provider by selecting a contact and completing the applicable fields.

Click **Save** when finished.

How to Add Custom Fields to the POS Borrower Application

Navigate to **Settings > Custom Fields**

Search for and click the edit pencil next to the applicable **Custom Field**.

[[Click the ]]**[[Sections]]**[[ field to open the dropdown]]

then select **POS**.

Click the **Permissions** tab.

Ensure **Consumer View** and/or **Consumer Manage** permission is toggled **On**. If needed, click the **Edit (pencil)** icon to set additional conditions.

Click **Save** when finished.

The enabled custom field will appear in the **Additional Information** section of the borrower application in POS.

For instructions on creating a new custom field, refer to:[ How to Create Custom Fields in LendingPad](https://kb.lendingpad.com/how-to-create-custom-fields-in-lendingpad)

How to Customize the POS Landing Page

You can click the **CMS** tab to customize the borrower portal landing page. Please click KB link here [How to customize the POS using CMS ](https://kb.lendingpad.com/how-to-customize-the-pos-using-cms)for more details.

How to Customize Borrower-Facing Loan Statuses

You can click the **Loan Statuses** tab to customize the loan statuses shown in the borrower portal. The **Status** column shows the current system status, and you can update the display **Name** to better match your company’s workflow or borrower-facing terminology.

Click **Save** when finished.

How to Create Lead Providers with POS Access

Click **Lead Providers**

Click **"Create New Lead Provider"**

Simply enter POS or use a name that is easier for you to remember to the **Name** field, and click **Save**

You will be taken back to the Lead Providers screen. Next, click the list menu icon next to the POS.

Click **Create New Campaign**

Next, enter a Campaign **Name** and Campaign **Code**.

Click **Save**

**(Optional)** If you would like to organize different POS lead sources or workflows, you can click **Create New Campaign** to create additional campaigns.

Click the **Edit** pencil icon next to the campaign you just created.

Click the **Members** tab to view and manage the teams assigned to this campaign.

You can skip the **Compensation** tab, as it only applies to lenders using the LendingPad pricing engine.

Next, click the **POS** tab and toggle **Enabled** on.

Click **Save** when finished.

How to Set Up Borrower Portal (POS)

Lendingpad

How to Enable POS

Click **Settings**

Search for **POS** or click **POS** from the left-hand menu.

Click **POS Settings**

Configure the following **POS Settings** based on your company’s workflow and preferences. Fields marked with a **red asterisk (\*)** are required; all other settings can be configured as needed.

Click the **Access** menu and choose the option you would like to use from the dropdown: **Disabled**, **Basic**, or **Full**.

**Full** allows for additional customization and provides both company and LO-specific POS links for borrowers creating new loan applications.

Toggle **Allow Customizations** on if you would like your loan officers to customize their personal POS link landing page.

Toggle **Loan Officer Selection Disabled** on if you do not want borrowers to select a loan officer when using the company’s POS link.

Set a default **Down Payment Percent** to pre-populate a starting percentage in the borrower portal. Borrowers can adjust this percentage as needed.

Click **Save** when finished.

How to Enable POS Actions

To allow borrowers to pull credit reports or access pricing through the borrower portal, click the **Actions** tab.

Click **+ Add New Action**

Click **Credit Report**

Or Click **+ Add New Action**

Then choose **Pricing Provider**

Click **Contact** and select your Credit Report Vendor from the menu.

Set **Credit Card Information Required** to **Yes** or **No** based on whether borrowers must enter credit card information to pull credit reports.

You can also enter a disclosed or estimated cost for **individual** and **joint credit reports**.

You can follow the same steps to set up the pricing provider by selecting a contact and completing the applicable fields.

Click **Save** when finished.

How to Add Custom Fields to the POS Borrower Application

Navigate to **Settings > Custom Fields**

Search for and click the edit pencil next to the applicable **Custom Field**.

[[Click the ]]**[[Sections]]**[[ field to open the dropdown]]

then select **POS**.

Click the **Permissions** tab.

Ensure **Consumer View** and/or **Consumer Manage** permission is toggled **On**. If needed, click the **Edit (pencil)** icon to set additional conditions.

Click **Save** when finished.

The enabled custom field will appear in the **Additional Information** section of the borrower application in POS.

For instructions on creating a new custom field, refer to:[ How to Create Custom Fields in LendingPad](https://kb.lendingpad.com/how-to-create-custom-fields-in-lendingpad)

How to Customize the POS Landing Page

How to Customize Borrower-Facing Loan Statuses

Click **Save** when finished.

How to Create Lead Providers with POS Access

Click **Lead Providers**

Click **"Create New Lead Provider"**

Simply enter POS or use a name that is easier for you to remember to the **Name** field, and click **Save**

You will be taken back to the Lead Providers screen. Next, click the list menu icon next to the POS.

Click **Create New Campaign**

Next, enter a Campaign **Name** and Campaign **Code**.

Click **Save**

**(Optional)** If you would like to organize different POS lead sources or workflows, you can click **Create New Campaign** to create additional campaigns.

Click the **Edit** pencil icon next to the campaign you just created.

Click the **Members** tab to view and manage the teams assigned to this campaign.

You can skip the **Compensation** tab, as it only applies to lenders using the LendingPad pricing engine.

Next, click the **POS** tab and toggle **Enabled** on.

Click **Save** when finished.