Mortgage Glossary
Automated Underwriting System
Defined by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
An automated underwriting system (AUS) is software like Desktop Underwriter or Loan Product Advisor that evaluates a loan file against guidelines.
What Automated Underwriting System means
It returns a recommendation, such as Approve/Eligible, that guides documentation needs. A human underwriter still reviews the file, but the AUS sets the framework.
Florida example
A Florida loan that gets an Approve/Eligible from the AUS often needs fewer documents than one routed to manual underwriting, speeding the path to a clear-to-close.
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