Applications & Technology

Desktop Underwriter & Desktop Originator

Make lending simple

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.​

 

Desktop Underwriter & Desktop Originator Availability

Every day, 24 hours a day, except from 1 a.m. to 5 a.m. ET the first and third Sundays each month due to maintenance.

 All Technology Application Availability

 

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.

See DU's impact through the years

 

New Opportunities to Create Certainty in Lending

We're simplifying the loan process to help lenders better serve borrowers.

Learn more

 

Propel your business with powerful capabilities and make the most of every lending opportunity

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. 

Have questions?

Get answers to your policy and guide questions, straight from the source.

Get Started