Credit Risk Management

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For questions, please contact Fannie Mae's Investor Help Line at 1-800-232-6643 or by e-mail.

Fannie Mae is proud to be the market leader in single-family residential mortgage credit risk management. As the largest credit risk manager in the industry, we have built a comprehensive approach to credit risk management aided by cutting-edge analytical tools and grounded in cohesive end-to-end processes. We stand side-by-side with our credit risk investors and strive to provide the greatest possible transparency into the tools and processes that make us the industry standard-setter. Here, learn about what we do and how we do it.

See our industry-leading processes

Single-Family Credit Risk ManagementA comprehensive overview of how we manage credit risk. From lender approval and oversight to underwriting and quality control standards through loss mitigation and property disposition, learn how Fannie Mae's tools and processes mitigate loss for credit investors, Fannie Mae, and the U.S. taxpayer. Read more  

Demo our industry-leading, cutting-edge tools

Fannie Mae’s cutting-edge credit risk management tools mitigate losses throughout the loan lifecycle. See our demos here:

Desktop Underwriter®

The most widely-used automated underwriting system in the industry, DU® automates Fannie Mae’s credit policy to help improve the overall loan manufacturing process

Collateral Underwriter®

Unique to the industry, 100 percent of the single-family and condo loans we acquire are evaluated through our proprietary appraisal risk assessment tool to help provide greater certainty on property values

Servicing Management Default Underwriter™

Fannie Mae's proprietary default management tool automates the underwriting of loss mitigation decisions, driving consistency across servicers and improved outcomes for borrowers

Property Valuation and Analytics

Fannie Mae's comprehensive hands-on property management process focuses on minimizing loss severities by maximizing sales prices and supporting neighborhood stabilization

Gain confidence in our approach

View Fannie Mae's credit risk sharing third-party due diligence results in one easy-to-access location.

Learn more