PHASE 1
A
Application & Pre-Approval
LO ownership · Arive: Application Intake → Pre-Approved
Steps in this phase
Click into any step for the full how-to.
Lead intake & qualifying conversation
First contact with borrower; gather basics; decide soft vs. hard credit.
Take the application
Two paths: phone-taken by LO vs. borrower self-serves via online URL.
Pull credit
Soft or hard pull based on borrower preference; tri-merge in Arive.
Run DU/LP (AUS)
Submit to AUS, review findings, troubleshoot if needed.
Issue pre-approval letter
Generate and send pre-approval; track who has it.