The Desktop Underwriter® (DU®) validation service uses third-party data vendors to independently validate borrower income, employment, and asset data, providing our lenders Day 1 Certainty® on validated loan components. In addition, other approved vendor tools may provide representation and warranty enforcement relief when certain requirement are met.
Fannie Mae has an open platform for data vendor participation to provide choices to our customers. Lenders may participate in the DU validation service through relationships with vendors of their choice that can provide Day 1 Certainty validation reports accepted by Fannie Mae. See below for a list of vendor options and eligible reports.
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. As additional eligible reports become available, Fannie Mae will add them below. See Prospective Report Suppliers for a list of those that have entered Fannie Mae's report supplier assessment process. Suppliers that want to participate should click here.
This vendor information is provided for informational purposes only. CoreLogic, DataVerify, Equifax, Finicity, FormFree, MeridianLink, Inc., NCS (National Credit-reporting System, Inc.), and SharperLending also post lists of vendors with which they have relationships who are distributors of the eligible verification reports*. Lenders with questions should contact the vendor or their Fannie Mae customer account team. Lenders should also ensure that they order the appropriate verification reports from these participating vendors.
Currently the DU validation service accepts the following eligible reports:
Click here to view an easily sortable list of vendors who provide Fannie Mae approved verification reports.
(Click below to expand)
| ACRAnet, Inc. | CoreLogic* |
| Advanced Data* | Credit Information Systems |
| Advantage Credit Bureau | Credit Plus |
| Advantage Credit, Inc. | Credit Technologies, Inc. |
| Advantage Plus Credit Reporting, Inc. | Credit Technology, Inc. (CTI) |
| Alliance 2020 | DataVerify* |
| American Reporting Company | Equifax* |
| Avantus Corp. | Factual Data |
| Birchwood Credit Services | First American Mortgage Solutions |
| CBCInnovis | Informative Research |
| 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* |
*Report Supplier
| Accudata Credit Systems | FinLocker* |
| Accurate Financial | First American Mortgage Solutions |
| ACRAnet, Inc. | FormFree* |
| Advanced Data | 4506-Transcripts.com |
| Advantage Credit, Inc. | Gooi Mortgage, Inc. |
| 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 |
| CISCO Credit | Plaid* |
| CoreLogic | PointServ* |
| Credit Information Systems | Precision Data Research |
| Credit Plus | Sarma |
| Credit Technologies, Inc. | SettlementOne |
| Covius | SharperLending LLC |
| Data Facts, Inc. | Strategic Information Resources |
| DataVerify | Sunrise Credit Services |
| Equifax | UnitedOne |
| Experian | Universal Credit Services |
| Expert Global Solutions, Inc. | Veri-Tax |
| Finicity* | 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 Total Quality Loan | 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 representation and warranties enforcement relief. Phone 855-544-2326. Learn more.
The report suppliers work with various integration technology providers to support the automated ordering and delivery of the Verification Reports. Avantus, CoreLogic, Equifax, First American Mortgage Solutions, 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.
Fannie Mae is working to expand the pool of eligible verification reports. Prospective report suppliers for the Fannie Mae DU validation service are listed in the table below. "Coming Soon" indicates that a prospective report supplier is participating in the report supplier assessment process. These entities may or may not meet the requirements of Fannie Mae's vendor assessment framework, and may or may not ultimately participate in the DU validation service. "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.
The table is updated as status changes occur, and we will notify lenders when additional report suppliers complete the pilot phase and become available in DU for all users.
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.
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.
| 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 |
“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
