Policy | ARIVE as System of Record/Documentation Portal

ARIVE AS SYSTEM OF RECORD/DOCUMENTATION PORTAL

While are not making it required at this time, we are strongly recommending that all borrower documents be collected through ARIVE.

While we understand that external platforms may be used in limited situations, they are strongly discouraged due to increasing audit and compliance risks.

Why this matters:

• We are seeing a significant increase in audits from both regulators and investors. 
• These audits are now consistently requiring “chain of custody” documentation—clear proof of where documents originated and how they were received. 
• Documents collected through external platforms are difficult—often impossible—to validate or defend during an audit, which creates risk for both you and the company. 
• We are asked to ‘clear’ the MLO. If we can’t obtain chain of custody, we can’t clear you. If the borrower uploads into ARIVE, we have a clear chain of custody!

Why ARIVE is the preferred approach:

• It ensures all borrower documents are securely stored and visible within the loan file 
• It creates a clear, consistent, and auditable chain of custody 
• It significantly reduces the time and risk associated with audit responses 

Bottom line:

• If a document is not in ARIVE, defending it during an audit becomes significantly more difficult.
• Please prioritize using ARIVE for document collection on all new and active files whenever possible.
• To get docs from the Borrower, simply create a file as a lead and send the links to the borrower for documents. It’s safe and easy! And it keeps YOU off our investors radars!

Please let us know if you have any questions on this announcement.

Related ARIVE Support Articles:

• ARIVE: How Do I Invite a Borrower to a Loan File?
• ARIVE: Borrower Portal (POS) After Application is Submitted