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What is manual underwriting?
Manual underwriting is when the automated underwriting system yields a referred/eligible. The automated underwriting system cannot issue an automated approval due to borderline credit issues or financial issues and is referring the mortgage loan application to a live mortgage loan underwriter. Manual underwriting is offered by many mortgage lenders but not all mortgage lenders. Manual underwriting has more restrictions when it comes to a mortgage loan approval. For example, automated approval per the automated underwriting system on mortgage loan applicants with credit scores over 620 FICO is 46.9% front end debt to income ratios and 56.9% back end debt to income ratios. With all manual underwrites, the front end debt to income ratios gets drastically reduced to 31% and the back end debt to income ratios is capped at 43%.

Here is an article on manual underwriting:

Here is an interesting article on manual underwriting that may be useful for those trying to understand manual underwrites and how manual underwriting actually works:


Mortgage loan applicants who cannot get an automated approval per DU FINDINGS or LP FINDINGS and get a referred/eligible per automated findings may need to go with a manual underwriting mortgage lender. Here is an article on manual underwriting:


Here is an article on manual underwriting with no traditional credit tradelines.



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