Floify announced on Tuesday the launch of Dynamic Apps 2.0, an enhancement to its mortgage point-of-sale platform that lets lenders build and manage fully customizable digital loan applications without engineering support or third-party tools.
With Dynamic Apps 2.0, lenders can configure loan application experiences by product type and borrower scenario, extending the Floify POS beyond standard purchase and refinance mortgages.
The update supports HELOCs, construction loans, agricultural lending, non-QM products and other specialty financing, all within a single application framework.
The rollout comes as lenders seek to diversify revenue beyond agency-eligible volume and reduce per-loan costs in a high-rate, low-volume market. Many specialty products still rely on manual or paper-heavy workflows that do not fit the standard 1003 flow, creating friction for borrowers and operations teams.
Dynamic Apps 2.0 allows lenders to control which sections and questions appear for each loan type and to automate downstream workflows such as document requests and disclosures. Instead of standing up separate technology stacks or bespoke forms for each product, lenders can manage variations from a centralized configuration layer inside Floify.
“Dynamic Apps 2.0 allows lenders to design application experiences that match their workflows and product mix, whether that’s a traditional mortgage, a HELOC or a specialty lending program,” said Sydney Barber, head of product at Floify. “By tailoring the application structure to the loan purpose, lenders can capture the right information upfront and eliminate unnecessary friction for both borrowers and lending teams.”
Key value prop for mortgage execs
For mortgage executives, the key value proposition is the ability to launch or scale new product lines without waiting on vendor development queues or internal IT resources. Product, compliance and operations teams can collaborate to design application paths that match business rules, then iterate as guidelines or market strategy change.
The new release is designed to work alongside Floify’s existing AI-enabled capabilities, which include extracting borrower data from uploaded documents, auto-populating portions of the 1003 loan application, validating document uploads and supporting income calculations and underwriting preparation.
By combining configurable applications with document automation, Floify aims to cut manual data entry, improve data quality and move files to processing and underwriting faster.
“This is a major step forward in turning the POS into a configurable growth platform for lenders,” said Joshua Steffan, SVP and group general manager at Porch Group and interim president and general manager of Floify. “By pairing configurable applications with embedded AI automation, lenders can streamline data capture, reduce manual work and move cleaner loan files through the process faster.”
For lenders, the update may be most impactful for nonstandard products where the traditional 1003 is either overkill or misaligned with underwriting needs. Being able to right-size the questions by loan purpose can shorten application times and lower abandonment rates, while still feeding the same core LOS and compliance stack.
Sarah Wolak reported and wrote this article with drafting assistance from HousingWire Automation, an editorial tool that helps transform announcements and industry data into HousingWire-style news coverage.
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