Supporting loan documents

The documents listed below are acceptable to support the loan process.

The file-name format of the attached documents is checked by a regex to verify that we received the required documents in the correct file-name format. If we either didn't receive the required documents or they weren't named properly, the loan will remain in Received status, instead of moving into DocsComplete status.

The same file naming convention is used for both Loan/{Id}/Attachments and Preapproval/v2/applications/{id}/attachments

Use the following file name conventions:

{ArixLoanGUID}-{Suffix}.{File Extension}
{ArixPreapprovalGUID}-{Suffix}.{File Extension}

For example:

The credit report pdf for loan c5d3412a-f373-467b-b10f-7200e5e7582d

Should be named: c5d3412a-f373-467b-b10f-7200e5e7582d-CR.pdf

For more information about adding loan documents, click here.

Note

We prefer that you send documents by XML or JSON. If necessary, you can send PDF documents. However, the file-name format must be agreed during your onboarding process.

Identification documents

Type	Suffix
Certificate of Citizenship	-CertificateCitizenship
Court approved name change	-NameChangeCert
Credit card *As a secondary form of ID only	-CC
Credit report	-CR
Debit card * As a secondary form of ID only	-DC
Drivers license	-DL
Insurance card	-InsuranceCard
Marriage Certificate	-MarriageCert
Military ID	-MilitaryID
Miscellaneous ID documents	-MID
Passport	-PP
Permanent resident card	-RC
Proof of address jpeg, jpg, png or pdf provided as POA	-POA
Rental lease agreement	-LeaseAgreement
Selfie Used to verify the ID	-SLF
Social Security card *As a secondary form of ID only	-SC
State Issued ID	-SID
Utility Bill	-UtilityBill
Work visa	-WorkVisa

Credit documents

Type	Suffix
Bankruptcy Watch	-BankruptcyWatch
Credit memo	-CreditMemo
Credit report	-CR
Credit report (hard pull)	-CR_HP
Credit report (soft pull)	-CR-SP
Credit report( MLA)	-MLA
Experian Instant Prescreen	-EXPInstantPrescreen
Pagaya credit model	-CRM_PGY
Scienaptic.ai credit decisioning	-Scienaptic
Underwriting Checklist	-UWChecklist

Loan documents and disclosures

Type	Suffix
Adverse Action Notice	-AAN
Credit Score Disclosure Notice	-CreditScoreDisclosure
Loan agreement	-LA (Contains Truth in Lending agreement and Promissory Note)
Loan Application	-LApp
Miscellaneous loan documents	-MiscLoanDocs
Preauthorized Transfer	-PreAuthTrn (for customer facing authorization requests)
Promissory note	-PN
Truth in Lending agreement	-TL

Income-verification documents

Type	Suffix
Additional pay stub	-PayStubAdditional
Bank statement	-BS
Bank transaction history	-BankTransactionHistory
Business Tax Return	-BusinessTR
Credit card balances	-CreditCardBalances
Credit card statement	-CreditCardStatement
Form 1099	-MI
Customer's payment history	-CustomerPayments History
Form W2	-W2
Pay stub	-PS
Pension/retirement benefit statement	-RS
Plaid Assets	-PlaidAssets
Plaid Income Verification	-PlaidIncome
Point Predictive Income Validation	-PointPredicitveIncome
Previous pay stub	-PayStubPrevious
Social Security Award letter (SSA)	-SS
Tax lien release	-TaxLienRelease
Personal Tax Return	-TR
The Work Number Suffix	-TWN
Truv Income and employment	-truvi
Various income verification documents	-IV

Type	Suffix
Call Center call Log	-CallLog
Carta Borrower Stock Ownership	-CartaBorrowerStockOwnership
Carta Secured Collateral	-CartaSecuredCollateral
Education-related documents	-ED
Voided check	-VC

Trusted 3rd-party documents