Learn how to migrate your loan files and contacts from your previous LOS into ARIVE.

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Overview

Migrating your pipeline into ARIVE is a manual process. This process allows you to bring over active loans as well as maintain access to historical data.

You will:

• Export FNMA 3.2 or MISMO 3.4 files from your previous LOS
• Upload those files into ARIVE
  
  

Note: Most LOS platforms only allow exporting one file at a time. Migration time will vary based on file volume and format.

Recommended migration path

ARIVE strongly recommends a Day Forward migration strategy to ensure accurate reporting and compliance. Follow this process:

1. Set a "Go-Live" Date
   • Choose a date when all new loan activity will begin in ARIVE
   • Do not originate new loans in your previous LOS after this date.
     
     
2. Complete active loans in your previous LOS
   • Keep your prior LOS active until all active loans are closed or funded and required reporting (e.g., MCR) is complete.
     
     
3. Reduce access to your previous LOS
   • After active loans are completed, reduce system access to 1 admin user
   • Retain access only for reporting and audit processes.
     
     
4. Export historical data for record-keeping
   • Export all required loan data from your previous LOS
   • Store files securely for compliance, audits, and future reference
     
     
5. Use ARIVE for all new production
   • Begin originating all new loans in ARIVE moving forward

Full migration path

This approach is more time-intensive and may not meet all reporting requirements due to data limitations in the FNMA 3.2 & MISMO 3.4 files.

Assign a user (such as an LOA or Processor) to upload all historical loans. Because files are often handled individually, this method is more time-intensive.

Compliance warning

Imported FNMA 3.2 and MISMO 3.4 files do not include all data required for regulatory reporting. Because of this:

• Imported loans should not be your sole source of historical reporting
• You must retain records from your previous LOS for compliance, audits, and reporting (e.g., MCR)
  
  

Before completing your migration:

• Consult your compliance team
• Confirm what records must be retained outside of ARIVE

File upload limits

The speed of your migration depends on the file format used:

• FNMA 3.2: Files must be uploaded one at a time.
• MISMO 3.4: Files can be uploaded in batches.
  
  

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Screenshot of the ARIVE Pipeline screen highlighting the Import button where users select between 3.2 or 3.4 file types.

Importing contacts and integrate CRMs

You can upload an XLSX file to import:

• Borrowers
• Business Contacts
• Leads

You can also integrate ARIVE with external CRMs using Zapier to automate data transfer into ARIVE if you are on a Broker Pro or Non-Del subscription.

Troubleshooting and best practices

Troubleshooting

If you encounter issues during migration:

• Ensure the file extension is .fnm or .xml
• Confirm the file is not open in another program during upload
• Verify required fields are present before upload
• Expect some fields to require manual review after import
• Avoid uploading duplicate loan files

Best practices

• Use a Day Forward strategy for faster onboarding and cleaner reporting.
• Keep your previous LOS active until all reporting is complete
• Maintain secure backups of all exported loan data
• Keep company and individual licenses up to date to avoid unintended state restrictions
• Add closed loans as Closed if full milestone data is not needed

FAQs

Can I import files from any LOS?

Yes, as long as your previous system allows you to export files in FNMA 3.2 or MISMO 3.4 formats.

Does ARIVE support bulk importing 3.2 files?

No. FNMA 3.2 files must be uploaded individually. Bulk importing is only available for MISMO 3.4 files.

Should I import all closed and adversed loans into ARIVE?

No. Most users should follow a Day Forward strategy and retain historical data outside of ARIVE. Only upload what is needed for compliance and reporting.

Practice exercise

1. Export a single MISMO 3.4 file from your previous LOS.
2. Navigate to the ARIVE Pipeline and click Import.
3. Upload the file.
4. Verify the borrower data populates correctly.
   
   

Pro tip: Start with a Day Forward approach. Upload only active loans first then migrate additional files as needed during non-peak hours to take advantage of higher batch limits.