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Fannie Mae DO/DU Credit Reports (Approved for use by Fannie Mae)

Desktop Underwriter is Fannie Mae's innovative, computer-based, automated underwriting system.

Desktop Underwriter is Fannie Mae's innovative, computer-based, automated underwriting system. After you complete a loan application with a Fannie Mae-approved lender, your loan will be underwritten - using Desktop Underwriter - by the lender. Underwriting is the process used to determine whether borrowers can afford the mortgage payment on the loan for which they are applying and their ability to repay the mortgage on a timely basis.

With Desktop Underwriter, the underwriting process can take minutes. Desktop Underwriter automates the process for lenders by requesting information online and then analyzing the borrower's loan application and credit history data, as well as the property information. Desktop Underwriter performs this objectively and without bias, and returns the results of the analysis to the lender in the form of a recommendation. The lender then uses the recommendation returned by the system to decide whether to approve or deny the loan.

DU codes available through Birchwood Credit Services at 800-910-0015