ARIVE | Loan File Checklist

Updated January 2026

ARIVE Loan File Checklist

General checklist for any loan that has been:

• Created
• Approved
• Denied/Withdrawn
• Closed & Funded

2026 Loan File Checklist for ARIVE.pdf 

• Data Integrity- Complete all loan information in ARIVE
  • Loan Program/Rate/Loan Details should match final CD/Investor/correct loan channel
• Borrower’s Credit Authorization - whether generated in ARIVE or Lender portal; a copy should be in ARIVE
• Borrower’s eConsent – if generated in ARIVE this will auto populate and be housed with documents
• Credit Report – whether generated in ARIVE or Lender portal; a copy MUST be in ARIVE
• Borrower’s Certification and Authorization - if generated in ARIVE this will auto populate and be housed with documents; otherwise upload from Lender’s portal
• AUS (if applicable) - whether generated in ARIVE or Lender portal; a copy should be in ARIVE
• Preapproval (if applicable) - whether generated in ARIVE or Lender portal; a copy should be in ARIVE
• Borrower Documents – all docs sent to investor for approval (ID/income/asset/lease/etc.) If it went to investor, it should be in ARIVE
• Initial Disclosures- obtain/retrieve signed disclosures from lender portal and upload into ARIVE
  • REMINDER: Once loan becomes TRID, initial disclosures MUST be sent within three (3) days; exceptions may apply based on loan products (i.e., DSCR, Reverse, etc.)
• Intent to Proceed (ITP) – signed disclosure; we MUST have evidence in ARIVE file
• Property Documents – (if applicable) Contract/addendums/appraisal/final/survey
• HOI (homeowners’ insurance) - Current policy(s) with correct mortgagee clause
• Title Documents – upload applicable docs ((CPL/Title/Prelim CD/wiring instructions)
• Loan Decision Documents – upload applicable docs from Lender’s portal (suspense/approval/final)
• Final Lock Confirmation
• Funded Loan – to avoid delaying your pay
  • Complete Signed Closed Loan Package
  • Milestones moved to Funded milestone
  • Lender Disbursement Check or Lender wire breakdown
  • Be sure to provide title/closing agent with C2C wiring instructions
• Pipeline Management
  • All users are responsible for updating and managing their pipeline
  • Adverse Action milestone to be completed in ARIVE for denied, withdrawn and/or cancelled loans
  • Copy of Adverse Action Notice from Lender must be uploaded