Often, borrowers who haven't selected a property will enter a "dummy" address in the POS, which can accidentally trigger for TRID disclosures before a property has been selected. 


You can prevent the accidental collection of the 6 pieces of TILA-RESPA Integrated Disclosure (TRID) information by adjusting your POS App Config settings.


According to RESPA 1024.2, the 6 pieces of information (for applicable transactions) includes: 

  • Borrower name
  • Borrower social security number
  • Borrower income
  • Property address
  • Estimated property value
  • Estimated loan amount


POS App Config allows you to customize the loan application seen in the Borrower Portal (POS) by your borrowers. POS App Config is available via the Company Settings, Branch Settings, and User Settings. 

  • If the Branch Settings and User Settings aren't customized, configurations set in the Company Settings will flow to and be the default settings for the Branch Settings (if applicable) and User Settings. 
  • If the User Settings aren't customized, configurations set in the Branch Settings (if applicable) will flow to and be the default settings for the User Settings.


The default POS App Config settings will prompt your borrower to provide all 6 pieces of TRID information through the Borrower Portal (POS) loan application. Therefore, when the borrower submits their application, TRID will be triggered. 


Users may prefer to validate certain portions of the prequalification/preapproval without relying on the POS. This can be accomplished by not including at least 1 of the 6 pieces of TRID information in the Borrower Portal (POS) loan application.

  • For purchase transactions, the most common approach is not including Property Street Address in the Borrower Portal (POS) loan application. 
  • For refinance transactions, the most common approach is not including Estimated Property Value and/or Estimated Loan Amount in the Borrower Portal (POS) loan application.



1. Navigate to the preferred settings level via profile icon > Company Settings, Branch Settings or User Settings > POS App Config. The image below shows User Settings. 



2. Click Edit in the upper right corner. 



3. Under For Purchase Loans, uncheck Obtain Street Address.




4. Under For Refinance Loans, uncheck Estimated Property Value and/or Estimated Loan Amount.

  • You have the option to uncheck both Estimated Property Value and Estimated Loan Amount or uncheck only Estimated Loan Amount. In other words, you will not be permitted to only uncheck Estimated Property Value.




5. Click Save.