Desktop Underwriter & Desktop Originator
Smart, fast, efficient underwriting. Fannie Mae’s automated mortgage loan underwriting system Desktop Underwriter® (DU®) helps lenders efficiently complete credit risk assessments to establish a home loan’s eligibility for sale and delivery to Fannie Mae with easy-to-use, powerful tools.
DU streamlines lending so our customers can:
- Obtain efficient underwriting recommendations that align with lender processes
- Receive fast and dependable automated underwriting options for purchase and refinance loans
- Get action-oriented and detailed messages via the DU Underwriting Findings report
- Qualify the most potential borrowers with enhancements leveraging data validation
Through Desktop Originator (DO®), sponsored mortgage brokers have access to DU.
New Opportunities to Create Certainty in Lending
We're simplifying the loan process to help lenders better serve borrowers.
- Income and employment validation using an asset report
- Pre-qualify borrowers with an early assessment
- Easily calculate income for self-employed borrowers
- Considering rent payments
Propel your business with powerful capabilities and make the most of every lending opportunity
Wholesale Resources
Wholesale Lender
- Establishing a DU Wholesale Lender Account
- Managing Originators’ Sponsorships job aid
- Sponsoring Wholesale Lender Features job aid
- Deactivate Sponsoring Lender Relationships
- Admin Tool: Desktop Underwriter Wholesale Advanced Functionality Guide
- Admin Tool: Sponsoring Wholesale Lenders job aid
Wholesale Originator
Release Notes
- DU V. 11.1 Release | August 17, 2024
- DU V. 11.1 Release | July 20, 2024
- DU for Government Loans Release | Jan. 20, 2024
- DU V. 11.1 Release | Feb. 10, 2024
- DU V. 11.1 Release I Nov. 18, 2023
- DU V. 11.1 Release I Aug. 19, 2023
- DU V. 11.1 Release | April 15, 2023
- DU for Government Loans Release | Apr. 15, 2023
- DU V. 11.1 Release | Feb. 25, 2023
- DU for Government Loans Release | Jan. 21, 2023
- DU V. 11.0 Release | Dec. 10, 2022
- DU for Government Loans Release | Nov. 19, 2022
- DU V. 11.0 Release | August 20, 2022
Technology Terms & Conditions
The Technology Terms and Conditions previously provided on this page are now located in the new Consolidated Technology Guide. A PDF version of the Guide and other related content is available on the Consolidated Technology Guide page.
