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.
30 Years of Impact
With 30 years of experience, Desktop Underwriter® (DU®) has been improving the mortgage lending process through ongoing innovation and sound underwriting.
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. 12.0 Release | May 17, 2025
- DU for Government Loans Release | Jan. 25, 2025
- DU V. 12.0 Release | January 11, 2025
- 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 for Government Loans Release | Nov. 19, 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.
