Applications & Technology

DU Validation Service Verification Report Vendors & Approved Vendor Tools

Simplify the Cycle

Shorter mortgage approval times help you close loans faster. Take advantage of the Desktop Underwriter® (DU®) validation service, which uses third-party data vendors to independently validate borrower income, employment, and asset data, providing our lenders with Day 1 Certainty® on validated loan components. In addition, other approved vendor tools may provide relief from representations and warranties.

As a lender participating in the DU validation service, you can use vendors of your choice. They provide reports accepted by Fannie Mae. To mitigate the risk that Fannie Mae assumes by offering representation and warranty relief on validated loan components, we have a structured process and guidelines for determining eligible verification reports. However, vendors and other approved vendor tools are subject to lenders’ requirements and approval processes. 

Updated December 10, 2019

Reports Are Available Through the Following Authorized Report Suppliers & Distributors

ACRAnet, Inc. Credit Information Systems
Advanced Data* Credit Plus
Advantage Credit Bureau Credit Technologies, Inc.
Advantage Credit, Inc. Credit Technology, Inc. (CTI)
Advantage Plus Credit Reporting, Inc. DataVerify*
Alliance 2020 Equifax*
American Reporting Company Factual Data
Avantus Corp. First American Mortgage Solutions
Birchwood Credit Services Informative Research
CBCInnovis NCS (National Credit-reporting System, Inc.)
Certified Credit Reporting, Inc. Partners Credit & Verification Solutions*
CIC Mortgage Credit, Inc. SettlementOne
CISCO Credit Strategic Information Resources
Clear Choice Credit Corp. Universal Credit Services
Consolidated Information Services, Inc. Veri-Tax*
CoreLogic*  

 

*Report Supplier

Accudata Credit Systems First American Mortgage Solutions
Accurate Financial FormFree*
ACRAnet, Inc. 4506-Transcripts.com
Advanced Data Gooi Mortgage, Inc.
Advantage Credit, Inc. Informative Research
Advantage Plus Credit Reporting, Inc. Merchants Credit Bureau, Inc.
Alliance 2020 MeridianLink, Inc.
American Reporting Company MFI Credit Solutions
Avantus Corp. Midwest Mortgage Credit Services
BankVOD Mortgage Document Solutions
Birchwood Credit Services Mortgage Service Providers
Blend* Network Credit
Certified Credit Reporting, Inc. New Vista Solutions
CIC Mortgage Credit, Inc. Online Information Services
CIS Partners Credit & Verification Solutions
CIS CISCO Credit Plaid*
Covius PointServ*
Credit Information Systems Precision Data Research
Credit Plus Sarma
Credit Technologies, Inc. SettlementOne
Data Facts, Inc. SharperLending LLC
DataVerify Strategic Information Resources
Equifax Sunrise Credit Services
Experian UnitedOne
Expert Global Solutions, Inc. Universal Credit Services
Finicity* Veri-Tax
FinLocker* Wolters Kluwer

*Report Supplier

Accudata Credit Systems Factual Data
ACRAnet, Inc. First American Mortgage Solutions*
Advanced Data* 4506-Transcripts.com*
Advantage Credit Bureau Fraud Technology
Advantage Credit, Inc. Funding Suite
Advantage Plus Credit Reporting, Inc. Information Searching Company
American Reporting Company Informative Research*
Avantus Corp.* Lenders One
BankVOD* MCB
Birchwood Credit Services MeridianLink, Inc.*
CBCInnovis MFI Credit Solutions
Certified Credit Reporting, Inc. Microbilt
CIC Mortgage Credit, Inc. Mortgage Service Providers
CIS NCO Credit Services
Clear Choice Credit Corp.

NCS (National Credit-reporting System, Inc.)*

CoreLogic* One Source
Covius* Partners Credit & Verification Solutions*
Credit Data Solutions DBA Service 1st Information Services PointServ*
Credit Data Systems, Inc. Precision Data Research
Credit Information Systems Pro Com Services
Credit Plus QuestSoft Corporation*
Credit Technologies, Inc. Sarma
Data Facts, Inc. SettlementOne
DataVerify* SharperLending LLC*
Ellie Mae Strategic Information Resources
EMSI Trans Union
Equifax* Universal Credit Services*
Experian UnitedOne
 

Veri-Tax*

*Report Supplier

LoanBeam FNMA SEI 1084 Workbook performs automated calculations of self-employment income; the calculations, not the underlying data, may be eligible for rep & warrant relief. Phone 855-544-2326.

Learn more.

 

Click here to view an easily sortable list of eligible verification reports and the authorized report suppliers and distributors who provide the reports.

The report suppliers work with various integration technology providers to support the automated ordering and delivery of the verification reports. AvantusCoreLogicEquifaxFirst American Mortgage SolutionsFormFreeNCS (National Credit-reporting System, Inc.)SharperLending, and Veri-Tax post lists of integration technology providers with which they have relationships. Please contact the technology provider directly for more information on the specific integrations and services they provide.

ASC Floify Mortgage-Track
Avista Solutions Harland Financial Solutions Open Close
BeSmartee Industry Access Open Solutions
Black Knight Insight Lending Solutions PC Lender
Blend Integra Software Services PreApp 1003
Byte Software iReverse ProLender
Calyx Software ISGN ReverseVision
CBC Companies Lender Price Digital Lending Roostify
CloudVirga Lender Processing Services Savana Studio
CoreLogic Loan Center Lending Manager SharperLending LLC
Creative Thinking LendingQB Simple Nexus
Data-Vision MC Software Tavant Technologies
Easy Mortgage Apps MeridianLink, Inc. Teravendo
eHereNow Mortgage Builder TRK Connection, LLC
Ellie Mae Mortgage Cadence Vanguard Group
FICS MortgageHippo VueCentric
FinLocker Mortgagebot WIPRO – NetOxygen
First American Mortgage Solutions MortgageCare Xetus
Fiserv MortgageClick XL Dynamics
FIS Global MortgageFlex  

"In Pilot" indicates that a prospective report supplier completed the assessment process and necessary technology integration, and is set up in DU for lender testing on a limited basis as determined by Fannie Mae and may or may not be rolled out more broadly.

Report suppliers may sell their reports directly to lenders, have authorized distributors, or both. Vendors that would like to become report distributors should contact report suppliers directly. Check with the report supplier if you have questions about their participation in the DU validation service.

Prospective Report Supplier Verification of Income / Verification of Employment IRS Tax Transcript Service for Verification of Income Verification of Assets

Avantus Corp.

In Pilot

 

 

Credit Plus

In Pilot

 

 

NOTE: Fannie Mae does not endorse any particular vendor, and does not represent or warrant that any report supplier will meet a lender's requirements. Lenders must establish controls to manage and monitor the vendors in accordance with their own regulatory requirements.

Fannie Mae is committed to ensuring that vendors on our platform are providing high-quality data. As part of our ongoing vendor monitoring, we encourage lenders to report any data discrepancies they see in any third-party verification reports to the Day 1 Certainty Data Discrepancy Mailbox.