Applications & Technology

DU Validation Service Verification Report Vendors & Approved Vendor Tools

Impact of COVID-19 on the DU Validation Service

To align with policy outlined in Lender Letter LL-2021-03, Impact of COVID-19 on Originations, there are temporary changes to the DU validation service in effect until further notice. Review the release notes for more information.

 

Simplify the Cycle

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. By digitally validating secure third-party data through DU, you can help eliminate the paper chase and help get your borrowers approved quickly. In addition, other approved vendor tools may provide relief from representations and warranties.

Lenders may participate in the DU validation service through relationships with vendors of their choice if those vendors provide validation 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 Jan. 19, 2021

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Authorized verification report providers

These companies have entered into an agreement with Fannie Mae to participate in the DU validation service. They generate the report and send the report data electronically to the DU validation service.

Authorized verification report distributors

These companies have not entered into an agreement with Fannie Mae but have an agreement with one or more of the eligible report providers listed above. The report provider (not the distributor) sends the report data electronically to the DU validation service.

ACRAnet, Inc. CoreLogic
Advanced Data Credit Information Systems
Advantage Credit Bureau Credit Technologies, Inc.
Advantage Credit, Inc. Credit Technology, Inc. (CTI)
Advantage Plus Credit Reporting, Inc. DataVerify
Alliance 2020 Factual Data
American Reporting Company First American Mortgage Solutions
Avantus Corp. Informative Research
Birchwood Credit Services NCS (National Credit-reporting System, Inc.)
CBCInnovis Partners Credit & Verification Solutions
Certified Credit Reporting, Inc. SettlementOne Data, LLC
CIC Mortgage Credit, Inc. Strategic Information Resources
CISCO Credit Universal Credit Services
Clear Choice Credit Corp. Veri-Tax
Consolidated Information Services, Inc.  
Accudata Credit Systems 4506-Transcripts.com
Accurate Financial Gooi Mortgage, Inc.
ACRAnet, Inc. Informative Research
Advanced Data Merchants Credit Bureau, Inc.
Advantage Credit, Inc. MeridianLink, Inc.
Advantage Plus Credit Reporting, Inc. MFI Credit Solutions
Alliance 2020 Midwest Mortgage Credit Services
American Reporting Company Mortgage Document Solutions
Avantus Corp. Mortgage Service Providers
BankVOD Network Credit Services
Birchwood Credit Services New Vista Solutions
Certified Credit Reporting, Inc. Online Information Services
CIC Mortgage Credit, Inc. Partners Credit & Verification Solutions
CIS CISCO Credit Precision Data Research
Covius Sarma
Credit Information Systems SettlementOne Data, LLC
Credit Plus SharperLending LLC
Credit Technologies, Inc. Strategic Information Resources
Data Facts, Inc. Sunrise Credit Services
DataVerify UnitedOne
Equifax Universal Credit Services
Experian Veri-Tax
Expert Global Solutions, Inc. Wolters Kluwer
First American Mortgage Solutions  
Accudata Credit Systems Fraud Technology
ACRAnet, Inc. Funding Suite
Advantage Credit Bureau ICE Mortgage Technology
Advantage Credit, Inc. Information Searching Company
Advantage Plus Credit Reporting, Inc. Lenders One
American Reporting Company Merchants Credit Bureau, Inc. (MCB)
Birchwood Credit Services MFI Credit Solutions
CBCInnovis Microbilt
Certified Credit Reporting, Inc. Mortgage Service Providers
CIC Mortgage Credit, Inc. NCO Credit Services
CIS One Source
Clear Choice Credit Corp. Precision Data Research
Credit Data Systems, Inc. Pro Com Services
Credit Information Systems Sarma
Credit Plus

SettlementOne Data, LLC

Credit Technologies, Inc. Service First Information Services
Data Facts, Inc. Strategic Information Resources
EMSI Trans Union
Experian UnitedOne
Factual Data  

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.

Authorized Report Providers 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.

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.