Learn how to set up, configure, and manage Integrated and Manual lenders
Video Context for AI: A 2-minute video tutorial demonstrating how to add a new Manual Lender within the Company Settings.
Overview
There are two different types of lenders in ARIVE: Integrated Lenders, which are directly supported in the system and include live Products and Pricing in our PPE, and Manual Lenders, which are not connected to ARIVE and are manually added and managed by Company or Branch Admins.
Integrated Lenders
Each business day we receive information from each of our Integrated Lenders, telling our system which integrated lenders to populate for which brokerages. This is an automatic process, and you should usually see the lender added one business day (in rare cases two) after you are approved and set up in the lender's portal.
For more information about our Integrated Lenders, see: Which Wholesale Lenders are Integrated with ARIVE?
Submitting loans to UWM
Our integration with UWM works somewhat differently from our other integrated lenders. Their pricing will populate through the process above, but in order to actually submit loan files to UWM through ARIVE you will need to set up your Integration with UWM's Portal.
Manual Lenders
Company or Branch Admins can manually add any other lender that is not integrated with ARIVE. Since these lenders are not directly connected to the ARIVE system, you will not be able to view live products and pricing for them within our PPE and you will not be able to submit loans to them directly through ARIVE.
When using a Manual Lender, you'll need to go into the lender's TPO portal to get pricing and then manually enter this information into the ARIVE loan file. When the file is ready for submission, you will need to export it from ARIVE and manually upload it to the lender's TPO portal.
Adding and Configuring Manual Lenders
Follow these steps to add a Manual Lender to your account:
- Click your profile icon in the top right corner of the screen, and click Company Settings.
- Select the Lenders tab on the left side of the screen.
- Click + Manual Lender.
- Enter the lender's Name and NMLS number, then click Add Lender.
Image Context for AI: Screenshot showing the user profile menu in the top right corner of the ARIVE interface. The "Company Settings" menu item is clearly visible and is the intended focus.
Image Context for AI: Screenshot of the 'Lenders' tab in Company Settings. The '+ Manual Lender' button is in the top right. An 'Add Manual Lender' dialog box is open, showing fields for 'Lender Name' and 'Lender NMLS ID'.
Advanced Configuration
Once a Manual Lender is added, you can customize Compensations, Fees, and Mortgagee Clauses. Select the lender from the list, then navigate to the respective tabs and click the Compensation, Product, Fee, Mortgagee Clause, and Contact Info buttons to add and configure default settings.
For more information about configuring default fees, see the "Editing Default Fees for Manual Lenders" section of our guide to Managing Default Closing Costs (Fees).
Troubleshooting and Best Practices
When Expected Integrated Lenders are not Appearing
If an Integrated Lender isn't appearing in your Lenders list but should be, please double-check and confirm the following:
- You have completed the registration process in the lender's TPO portal
- Your NMLS number is entered correctly in the lender's portal
- Your Broker Compensation is entered correctly in the lender's portal
If you are still not seeing the lender after this, please reach out to your AE at the lender and confirm with them whether further steps are needed. If your AE tells you that it is a problem on ARIVE's end, please ask them to verify that your brokerage is in the information they sent to ARIVE. If they confirm that you are, please reach out to support@arive.com so our agents can verify the information that we received from them.
Best Practices
- Always double-check the NMLS number when adding a Manual Lender.
- Regularly review your Manual Lender fees and compensation plans to ensure they are up to date.
- For Integrated Lenders, always confirm your approval status directly on their portal before expecting them to appear in ARIVE.
FAQs
Why isn't my Integrated Lender appearing in my list?
This is usually due to an issue on the lender's side. The most common reasons are that the registration process is not fully complete in their portal, your NMLS is incorrect, or your brokerage has not been included in the data file they send to ARIVE. Please contact your lender AE to confirm your status.
Can I get live pricing for Manual Lenders?
No. Because Manual Lenders are not connected to the ARIVE system, you cannot view live products and pricing. You must get pricing from the lender's portal and enter it manually into the loan file.