DU Validation Service Verification Report Vendors

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.

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. 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. Fannie Mae will add more eligible reports in 2017 – 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.

Vendors for Lender Use (as of September 12, 2017)

This vendor information is provided for informational purposes only. CoreLogic, DataVerify, Equifax, FormFree, 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.

*Eligible Verification Reports

Currently the DU validation service accepts the following eligible reports:

  • AccountChek™ Asset Report (FormFree)
  • Avantus IRS-Direct Tax Transcripts
  • CoreLogic® 4506-T Direct
  • DataVerify® 4506-T IRS Tax Transcripts
  • Equifax® 4506-T Tax Transcript
  • Equifax Employment and Income Verification (including The Work Number®)
  • Informative Research 4506-T Tax Transcripts
  • PointServ 4506-T Tax Transcript
  • SharperLending 4506-T Tax Transcript
  • Veri-Tax™ 4506-T Tax Transcripts

Verification Reports Available from Vendor

Click here to view an easily sortable list of vendors who provide Fannie Mae approved verification reports.

Income and Employment Validation Reports 
Asset Validation Reports 
Tax Transcript Validation Reports 

Integration Technology Providers for Report Suppliers (as of September 12, 2017)

The report suppliers work with various integration technology providers to support the automated ordering and delivery of the Verification Reports. CoreLogic, Equifax, FormFree, and SharperLending 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.

  • BeSmartee
  • Black Knight
  • Calyx Software
  • CloudVirga
  • Easy Mortgage Apps
  • Ellie Mae
  • FinLocker
  • Floify
  • First American Mortgage Solutions
  • Lending Manager
  • MeridianLink, Inc.
  • Mortgage Cadence
  • Mortgage Hippo
  • PreApp 1003
  • PC Lender
  • Roostify
  • SharperLending LLC
  • Tavant Technologies
  • WIPRO - NetOxygen
  • Simple Nexus

Prospective Report Suppliers (as of September 12, 2017)

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.

Verification Report Type

Prospective Report Supplier Verification of Income/Verification of Employment IRS Tax Transcript Service for Verification of Income Verification of Assets
Advanced Data z Coming Soon z
Blend z z Coming Soon
Chronos Solutions/UPF Services z In Pilot z
CoreLogic Coming Soon z z
Credit Interlink z In Pilot z
DataVerify In Pilot z z
Early Warning Services z z In Pilot
Finicity z z In Pilot
FinLocker z z Coming Soon
First American Mortgage Solutions z In Pilot z
Inco-Check z Coming Soon z
LendSnap z z Coming Soon
MeridianLink, Inc. z In Pilot z
NCS z Coming Soon z
Plaid z z Coming Soon
PointServ Coming Soon z Coming Soon
Roostify z z Coming Soon
Universal Credit Services z Coming Soon z
Veri-Tax Coming Soon z z
Yodlee z z Coming Soon

More Information