Positive rent payment history is live in Desktop Underwriter

DU now uses asset report data to consider a borrower’s 12-month positive rent payment history, which can help more first-time homebuyers qualify for a mortgage. Learn more about how utilizing asset validation through the DU validation service can help your borrowers benefit.

DU validation service verification report vendors and approved vendor tools

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 June 13, 2022

DVS Authorized Verification Report Provider Badge

Authorized verification report suppliers

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.

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Authorized 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.

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ACRAnet, Inc. Credit Technology, Inc. (CTI)
Advanced Data DataVerify
Advantage Credit Bureau Equifax
Advantage Credit, Inc. Experian
Advantage Plus Credit Reporting, Inc. Factual Data
Alliance 2020 First American Mortgage Solutions
American Reporting Company, LLC Informative Research
Avantus Corp. Lenderworks
Birchwood Credit Services, Inc. Meridian Link
CBCInnovis, Inc. NCS (National Credit-reporting System, Inc.)
Certified Credit Reporting, Inc. One Source
CIC Mortgage Credit, Inc. Partners Credit & Verification Solutions
CISCO Credit Premium Credit Bureau
Clear Choice Credit Corp. Sarma
Consolidated Information Services, Inc. SettlementOne Data, LLC
CoreLogic Sharper Lending
Covius Strategic Information Resources
Credit Information Systems Universal Credit Services
Credit Plus Veri-Tax
Credit Technologies, Inc.  
Accudata Credit Systems Informative Research
Accurate Financial Services LendSmart
ACRAnet, Inc. LenderPrice
Advanced Data Lenderworks
Advantage Credit, Inc. Merchants Credit Bureau, Inc.
Advantage Plus Credit Reporting, Inc. MeridianLink, Inc.
Alliance 2020 MFI Credit Solutions
American Reporting Company Midwest Mortgage Credit Services
Avantus Corp. Mortgage Document Solutions
BankVOD Mortgage Hippo
BeSmartee Mortgage Service Providers
Birchwood Credit Services Network Credit Services
Certified Credit Reporting, Inc. New Vista Solutions
CIC Mortgage Credit, Inc. Online Information Services
CISCO Credit Partners Credit & Verification Solutions
Covius PointServ
Credit Information Systems Precision Data Research
Credit Plus Sarma
Credit Technologies, Inc. SettlementOne Data, LLC
Data Facts, Inc. SharperLending LLC
DataVerify Strategic Information Resources
Equifax Sunrise Credit Services
Experian UnitedOne
Expert Global Solutions, Inc. Universal Credit Services
First American Mortgage Solutions Veri-Tax Wolters Kluwer Financial Services
Gooi Mortgage, Inc.  
Accudata Credit Systems Factual Data
ACRAnet, Inc. Fraud Technology
Advantage Credit Bureau Funding Suite
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
CISCO Credit 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
Ellie Mae Trans Union
EMSI UnitedOne

LoanBeam FNMA SEI 1084 Workbook – performs automated calculations of self-employment income; the calculations, not the underlying data, may be eligible for representation and warranties enforcement relief. Phone 855-544-2326. Learn more.

Eligible verification reports

The report suppliers work with various integration technology providers to support the automated ordering and delivery of the verification reports. Avantus, CoreLogic, Equifax, FormFree, NCS (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.

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

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.

“Using the momentum we’ve created through Day 1 Certainty, we’ve created a process where a loan can come in and be out of underwriting in a couple of days. I don’t have issues closing loans in two weeks.”

— Eric Weiss, Guild Mortgage Sales Manager

Guild Mortgage

See how Guild Mortgage is unleashing the power of
the DU validation service.