Servicing Management Default Underwriter™ (SMDU™) is a groundbreaking workout Decisioning tool for servicers that delivers certainty, speed, and savings in loss mitigation. SMDU supports different workout types, including repayment plans, a variety of loan modification programs, standard short sale, and Mortgage Release™.

In addition, SMDU is used by servicers for borrower-initiated conventional Mortgage Insurance (MI) Termination activities, including evaluating borrowers for mortgage insurance termination based on Original Value and/or Current Value and ordering a valuation.

Upcoming Outage

SMDU Production will be unavailable on Friday, June 21, from 10 p.m. ET until Saturday, June 22, at 9:30 p.m. ET to accommodate the SMDU 7.23 Release. Please do not submit any transactions during this timeframe as they will be rejected.

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Learn More About SMDU

New Users - How to Register

SMDU User Interface (UI) Loss Mitigation Resources

Use your SMDU UI credentials to access the user guide and demo.

SMDU in the News

SMDU Technology Providers

  • See list below (click More)

    • Back in the Black
    • Black Knight
    • BraceAI
    • CFT
    • Clarifire
    • Corelogic
    • ISGN
    • Sagent
    • WaterfallCalc

Release Notes

SMDU UI (Loss Mitigation) Training new

These brief modules will give you an overview of the SMDU UI and tips for completing key processes. Use your SMDU UI credentials to access.

Overview and Sample Workflows (6 minutes) How to Log In and Navigate (5 minutes) Evaluate for a Workout (9 minutes) Evaluation History Overview (5 minutes) Create a Manual Submission (10 minutes) Record Trial Payments (5 minutes) Cancel and Resubmit a Case (4 minutes) Close a Case (10 minutes) Evalute for Final coming soon Evaluate for First Time Final coming soon

Borrower-Initiated MI Termination Resources

Use your SMDU UI credentials to access the user guide and demo.