Lending
Add loan documents
17min
use this call to post loan documents add loan documents upon cross river request post /loan/{loanid}/attachments request url https // /loan/{id}/attachments to add attachments zip all the relevant documents you can send multiple zip files zip max size is set at 120 mb files within the zip folder have to follow the naming convention name the file with the {arix guid} zip post the documents important the status of a loan remains received until all the required documents are received by arix no webhook is sent to report that docs are incomplete file naming convention the naming convention requires that the end of a file name (before the file extension), ends with a dash ( ) followed by a document type code example \ loan agreement {joescreditreport} la pdf \ social security card {joescreditreport} sc pdf 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 pdf credit score disclosure notice creditscoredisclosure loan agreement la pdf (contains truth in lending agreement and promissory note) loan application lapp loan transition letter loantransition pdf miscellaneous loan documents miscloandocs notice of incompleteness noi pdf preauthorized transfer preauthtrn (for customer facing authorization requests) promissory note pn pdf truth in lending agreement tl pdf 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 other documents for verification 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 type suffix alloy identity decisioning platform aly bureau van dyke review bvdreview clarity cty cognito identity verification and watchlist screening cgntidws comply advantage cmplyadvt decisionlogic income verification dcsnlgciv ekata account opening ekataaccount equifax eid eid experian preciseid pid gbg plc identity data verification gbgdataverification giact gct giact gauthenticate gauth giact gindentity gi giact gverify gv idicore idicore inscribe fraud document detection inscribe lexisnexis ln lexisnexis emailage lnemail lexisnexis fraud intelligence lnfraudintel lexisnexis fraudpoint lnf lexisnexis instantid lni lexisnexis ofac lno lexisnexis riskview credit solutions lnriskview lexisnexis small business credit report with sbfe data lnsmallbusinesscrsbfe middesk verification middeskverfication onfido facial similarity ofs passfort passfort persona verifications persona pinwheel employment verification pev plaid auth bank accounts plaidauth prove trust score provetrustscore sentilink ecsbv service ecbsv sentilink synthetic fraud scores sntlf socure so thomson reuters clear id trcid transunion tlo tlo transunion idvision idv transunion truvalidate tval yodlee yod sample request and response post/loan/{id}/attachments required parameters name type description id guid path unique identifier of the loan file file formdata zip file for multiple types of any single document listed above, add the numerical value to the name example for multiple paystubs (ps) 179317 ps1 and 179317 ps2 you can submit an additional 99 files as needed for underwriting, by following the convention, f1 f99 if you want to submit an f3 file, notify cr ahead of time so we can identify f3 as a security video example myrandomfile f3 mov returned attributes this table displays information on the documents received for the loan attribute description mplid string id of the mpl loanid guid unique identifier for the loan filepath path for retrieving the document special permissions needed filename name of the file sent date date the file was received fileoverwritten if the original file was overwritten by another file, then the value will be 1 issuingbankid string id of the issuing bank faqs loan stuck in the status received a loan stays in received for these reasons the file wasn't named correctly based on regex verification some or all required documents weren't received there was a problem unzipping the files if a file is corrupt, arix won't be able to unzip it fix it and resend a post with the attachments confirming document status to confirm the document status for a loan, call get loan details by id and use these collections requireddocs to see which documents are required for a loan and if they were received attachments to see which documents were received by arix adding loan documents you can add documents if a loan is in one of the statuses below if a document is sent after the loan is funded, arix will store it, but it won't parse it or run it through compliance status description 1 received 2 docscomplete 3 passedcompliance 4 approved 11 awaitingfunding 101 compliancefailed