Applications & Technology

Desktop Underwriter & Desktop Originator

Starting May 1, 2021, any new loan applications using the legacy Form 1003/DU file format will receive an Out of Scope or Error recommendation and will not be underwritten by DU (see April 20 announcement). If you have new loans in legacy formats that have not had a casefile ID assigned by DU by April 30, you  must recreate the application using the redesigned Form 1003 and DU MISMO v3.4 file format.

Visit the New DU User Interface (UI) page to launch the new DU UI to submit loans via the redesigned Form 1003/DU MISMO v3.4 files and access its job aids and other resources.  Any existing loans in the legacy 1003 3.2 or MISMO V. 2.3.1 formats should continue to be accessed and re-submitted in the classic UI.

See the Mandate and Implementation Timeline section of the Redesigned Form 1003/DU Quick Guide for more information on legacy re-/submission deadlines.


Why they’re right for you

Today, more than ever, mortgage industry professionals need to save time to generate more business.  Desktop Underwriter® (DU®)  – the industry-leading underwriting system – 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. ​

Rely on Fannie Mae’s industry-leading automated mortgage loan underwriting system to:​

  • ​Provide a pathway to Day 1 Certainty® and help reduce paperwork and cycle time via the DU validation service.​
  • Help lenders, brokers, and correspondents generate more loans, boost profitability, improve customer service and gain a competitive advantage in a tough marketplace.​

Through Desktop Originator (DO®), sponsored mortgage brokers have access to DU.​

Classic user interfaces:

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

Discover the Dependability

Features & Benefits
  • Delivers speedy and efficient underwriting recommendations by aligning with lender processes
  • Fast and dependable automated underwriting options for purchase and refinance loans ​
  • Improved credit risk assessment using Trended Credit Data
  • Capability to analyze explanations for inaccurate foreclosures, bankruptcy, and mortgage delinquency information on a borrower’s credit report that would affect recommendation and eligibility for sale to Fannie Mae
  • Action-oriented and detailed messages via the DU Underwriting Findings report
DO Sponsoring Lender Resources