Automated Underwriting System (AUS) in Blend

You can run Fannie Mae’s Desktop Underwriter (DU) and Freddie Mac’s Loan Product Advisor (LPA) through Blend's LO Toolkit on loans where credit is pulled and all required fields are filled out.

• Running AUS
• Required information to run AUS
• AUS Results
• If AUS returns errors in DU Output files or LPA response documents
• If you get an error in Blend when running AUS
• Managing AUS credentials
• Disabling or enabling DU and LPA

Note: DU, LPA, and Dual AUS (DU and LPA) are all configurable globally. If you are a Blend administrator and would like to configure Dual AUS, DU, or LPA only, contact Blend Support.

Running AUS

After credit is pulled and all required fields are entered in the lender application, you can run DU, LPA, or run DU & LPA altogether depending on your specific configuration.

AUS will not be available to run unless credit is pulled and the button will be grayed out.

Running AUS with the required information missing in the application, you'll get an error message with information on completing the necessary fields.

Clicking the underlined error will take you to the section where the required field lives. Complete the required field and click Save Changes before running AUS.

Required information to run AUS

AUS Results

The AUS results page will show the following:

• A results summary
  • DTI
  • Reserves
  • LTV/CLTV
  • Assets to verify
  • Fully indexed qualifying rate
  • Run count
  • A timestamp of the last run
• Ability to send the pre-qual letter.
• Ability to Re-run all AUS.
• Ability to select LPA or DU (for Dual AUS).
• Ability to download the results.
• Ability to view results under the “Docs” tab of the lender application.

If AUS returns errors in DU Output files or LPA response documents

Errors in DU Output files or LPA response docs are returned direclty from DU and LPA respectively. This means that the integration worked and AUS ran successfully in Blend but the errors in the files do not come from Blend. If you have any questions about those kinds of errors and the loan is a production loan, please contact DU or LPA directly for assistance.

If you get an error in Blend when running AUS

A red banner will appear on the lender application when errors occur in Blend when running AUS. These errors typically occur when starting an AUS run and information is missing, resulting in an unsuccessful run. Refer to the error message for more details.

Managing AUS credentials

Blend administrators with access to the Setup page can manage DU and LPA credentials through Your settings > Setup > Credentials.

Disabling or enabling DU and LPA

Blend administrators with access to the Setup page can disable DU and LPA independently through Your settings > Setup > Credentials and uncheck DU and LPA and click Save to apply changes. To re-enable, check the boxes again and click Save.

If DU and LPA are disabled, the AUS section will be removed from the LO Toolkit on the lender application.

Note: Turning on/off AUS and managing the credentials is a global change that will affect all lender users. Access to these settings require the role permission Edit-client system config.