Underwriters Help

Information by State  Print version

The Underwriters page allows authorized users to request a list of Direct Endorsement (DE) underwriters included in the Underwriter Registry. HUD requires that a Direct Endorsement (DE) underwriter review/certify mortgage loan origination documents for compliance with the requirements of the Federal Housing Administration's mortgage insurance program.

Previously, DE underwriters were approved by the Federal Housing Administration (FHA); however, as of February 26, 1996 (see Mortgagee Letter 96-10), the FHA no longer approves individual underwriters. Underwriters are employed by the lender, and it is the lender's responsibility to ensure that the DE underwriter(s) employed by them meet the qualifications outlined in HUD Handbook 4000.4 REV-1. The lender must register employed DE underwriters with the FHA using the Underwriter Registry.

The Underwriters List can be requested for underwriters employed by a specific lender, located in a specific geographic location, and/or with a specific underwriter status; or, the list can be requested for one specific underwriter based on the underwriter's name or FHA-assigned underwriter identification number.

Sample Input File

<?xml version="1.0" standalone="yes" ?> 
<FHAENTITYDATA FHAVersionID="1.0">
    <PROCESSSTATUS>
        <ProcessStatusRequestor>ATSB2B_DEV</ProcessStatusRequestor>
    </PROCESSSTATUS>
	<FHAVA>
	    <FHAVAOriginatorIdentifier>06230</FHAVAOriginatorIdentifier>
    </FHAVA>
    <PARTY PARTYID = 'A123' PartyType = 'Underwriter'>
        <State>CT</State>
        <PartyName>LOBER, NORMAN</PartyName>
        <LicenseStatusInformation CurrentLicenseStatus = 'Active' />
    </PARTY>
</FHAENTITYDATA>

Underwriters

Data Item	Valid Entries	Description
<PROCESSSTATUS> <ProcessStatusRequestor>	Up to 36 Alphanumeric characters	(Required Entry) Name of company issuing request.
<PROCESSSTATUS> <ProcessStatusCode>	Query	(Optional entry) All lookups are query mode
<FHAVA> <FHAVAOriginatorIdentifier>	VALUE: Five numeric characters	(Optional Entry) First five characters of the FHA's unique 10-character identifier for the lender's home office.
<PARTY PARTYID = 'VALUE' PartyType = 'Underwriter'>	VALUE: Four alphanumeric characters	(Optional Entry) FHA's unique four-character identifier for the underwriter.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <State>	Valid two character state name	(Optional Entry; Defaults To All States) State in which the Underwriters resides.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <PartyName>	Up to twenty-two alphanumeric characters. Format: Last Name, First Name M.I.	(Optional Entry) Full or partial name of the underwriter for which the list is requested.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <LicenseStatusInformation CurrentLicenseStatus = 'VALUE'>	Valid Values: - Active - Terminated - Both	(Optional Entry; Defaults to Both) Current status regarding the underwriter's authorization to review/certify mortgage loan origination documents for compliance with the requirements of the Federal Housing Administration's mortgage insurance program.

Information Returned:

Sample Output File

<?xml version="1.0" standalone="yes" ?>
<FHAENTITYDATA FHAVersionID='1.0'> 
    <PROCESSSTATUS> 
        <ProcessStatusCode>SuccessNoUpdatesAllowed</ProcessStatusCode> 
        <ProcessStatusMessage sCode="1">Returned 1 underwriter records</ProcessStatusMessage> 
    </PROCESSSTATUS> 
    <PARTY PARTYID="A123" PartyType="Underwriter"> 
        <Address1>456768 MAIN ST</Address1> 
        <City>HARTFORD</City> 
        <State>CT</State> 
        <PostalCode>067400000</PostalCode> 
        <PartyName>LOBER, NORMAN</PartyName> 
        <LicenseStatusInformation CurrentLicenseStatus="Active" /> 
    </PARTY> 
</FHAENTITYDATA>

End of Output Fields for Underwriters

Data Item	Description
<PROCESSSTATUS> <ProcessStatusCode>	Result of the request. See below for values and meanings.
<PROCESSSTATUS> <ProcessStatusMessage sCode='1'>	Message detailing errors. Up to 80 alphanumeric characters. Up to 25 error messages may be returned (sCode).
<PARTY PARTYID = 'VALUE' PartyType = 'Underwriter'>	FHA's unique four-character identifier for the underwriter.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <Address1>	Street name in which the Underwriter resides. Up to thirty-three alphanumeric characters.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <City>	City name in which the Underwriter resides. Up to seventeen alphanumeric characters.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <State>	State in which the Underwriter resides. Two characters.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <PostalCode>	Zip code in which the Underwriter resides. Nine numeric characters.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <PartyName>	Full or partial name of the underwriter for which the list is requested. Up to twenty-two alphanumeric characters. Format: Last Name, First Name M.I.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <LicenseStatusInformation CurrentLicenseStatus = 'VALUE'>	Current status regarding the underwriter's authorization to review/certify mortgage loan origination documents for compliance with the requirements of the Federal Housing Administration's mortgage insurance program. Valid values: Active or Terminated.

ProcessStatusCode Values:

End of ProcessStatusCode Values

SuccessNoUpdateAllowed	This indicates that Underwriters was processed, that is, the query has been successful.
Error	This indicates that an error has occurred during the Underwriters process and that the case has not been processed successfully. Either there were missing data or the data were in error. Please see the ProcessStatusMessage for details.