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

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