When a mortgage lender evaluates a borrower’s application for a mortgage and the home that will be used as collateral and approves or rejects the loan request, the process is called underwriting.

SAN FRANCISCO--(BUSINESS WIRE)--Blend, a leading provider of cloud banking services, announced today that it supports Fannie Mae’s Desktop Underwriter® (DU®) early assessment enhancement with a direct ...

Recognition allows mortgage lenders to validate borrower income and employment information instantly through Experian Verify with Day 1 Certainty from Fannie Mae COSTA MESA, Calif.--(BUSINESS WIRE)-- ...

Fannie Mae unveils cutting-edge update to streamline mortgage origination process. Fannie Mae has been working to give lenders one-day certainty and it's one step closer with the launch of its ...

Enhancement to Desktop Underwriter system intended to support loans when borrower has no credit score. Nearly 15% of Black and Latino/Hispanic people are credit invisible vs. 9% of whites and Asians.

Fannie Mae no longer requires borrowers to have a 620 minimum credit score if the loan is processed through its Desktop Underwriter system. As of Nov. 16, 2025, it joined Freddie Mac, which made a ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Khadija Khartit is a strategy, investment, and funding expert, and an educator of fintech ...

If you don’t have a credit score at all, some lenders do have alternative credit scoring methods, such as analyzing your bank deposits. In fact, last year Fannie Mae updated Desktop Underwriter to ...