Underwriter Registry Help

Information by State  Print version

A Direct Endorsement (DE) underwriter's basic responsibility is to 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.

Underwriter information is checked against the Credit Alert Interactive Voice Response System (CAIVRS) file and recorded in the National Underwriter File maintained in CHUMS. Once the underwriter information is entered and there are no detected errors, the individual is issued an underwriter identification number by the FHA. This FHA-assigned number stays associated with the individual throughout their tenure as a DE underwriter, no matter what lender is his/her employer. FHA reserves the right to remove underwriters from the registry upon imposition of sanctions.

Sample Input File

<?xml version='1.0' standalone='yes' ?>
<FHAENTITYDATA FHAVersionID = '1.0'>
<PROCESSSTATUS>
  <ProcessStatusRequestor>ATSB2B_DEV</ProcessStatusRequestor>
  <ProcessStatusCode>Change</ProcessStatusCode>
</PROCESSSTATUS>
<PARTY PARTYID='C123' PartyType='Underwriter'>
  <PartyName>MCGUFFIE, CINDY</PartyName> 
  <SSN>369549246</SSN> 
  <PhoneNumber>7706250100</PhoneNumber> 
  <AttentionLine>ACCUBANC MORTGAGE</AttentionLine> 
  <HouseNumber>12377</HouseNumber> 
  <StreetName>MERIT #600</StreetName> 
  <StreetSuffix>DR</StreetSuffix> 
  <City>DALLAS</City> 
  <State>TX</State> 
  <PostalCode>752510000</PostalCode> 
  <EMPLOYMENT CurrentEmploymentIndicator='Y'>
    <EmployerID>38092</EmployerID> 
    <StartDate>20000410</StartDate> 
    <Certification>Y</Certification> 
  </EMPLOYMENT>
  <EMPLOYMENT CurrentEmploymentIndicator='N'>
    <EmployerID>70066</EmployerID> 
    <EndDate>20000407</EndDate> 
  </EMPLOYMENT>
</PARTY>
</FHAENTITYDATA>

Underwriter Registry

Data Item	Valid Entries	Description
<PROCESSSTATUS> <ProcessStatusRequestor>	Up to 36 Alphanumeric characters	(Required Entry) Name of company issuing request.
<PROCESSSTATUS> <ProcessStatusCode>	Valid Values: - Add - Change - Terminate	(Required entry) Mode indicating type of change to underwriter.
<PARTY PARTYID = 'VALUE' PartyType = 'Underwriter'>	VALUE: Four alphanumeric characters	(Required Entry for Change and Terminate) FHA's unique four-character identifier for the underwriter.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <PartyName>	Up to twenty-two alphanumeric characters. Format: Last Name, First Name M.I.	(Required Entry for Add) Full or partial name of the underwriter.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <SSN>	Nine numeric characters	(Required Entry) Social Security Number of the underwriter.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <Alias AliasType = 'FormerName'>	Up to twenty-two alphanumeric characters. Format: Last Name, First Name M.I.	(Optional Entry) Previous last name, first name, and middle initial of the underwriter if individual was registered under a different name.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <PhoneNumber>	Ten numeric characters	(Optional Entry) Telephone number where underwriter can be reached.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <AttentionLine>	Up to twenty-two alphanumeric characters	(Optional Entry) Name of company or individual to which correspondence should be directed.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <HouseNumber>	Up to seven alphanumeric characters	(Optional Entry) House number of the underwriter's mailing address.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <DirectionPrefix>	Up to two alphabetic characters	(Optional Entry) Street direction preceding the street name of the underwriter's mailing address. Example: NW Greenlake Drive.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <StreetName>	Up to twenty alphanumeric characters	(Required Entry for Add) Name or number of the street in the underwriter's mailing address. Examples: Elm or 42nd.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <StreetSuffix>	Up to four alphabetic characters. Street Type	(Optional Entry) Street classification such as Blvd, Dr, or Pkwy in the underwriter's mailing address.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <DirectionSuffix>	Up to two alphabetic characters	(Optional Entry) Street direction following the street name in the underwriter's mailing address. Example: Greenlake Drive NW.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <ApartmentOrUnit>	Up to three alphanumeric characters	(Optional Entry) Extension of the house or condominium number in the underwriter's mailing address.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <City>	Up to seventeen alphabetic characters	(Required Entry for Add) City of the underwriter's mailing address.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <State>	Valid two character state code	(Required Entry for Add) State Code of the underwriter's mailing address.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <PostalCode>	Nine numeric digits	(Required Entry for Add) U.S. Postal Service Zonal Improvement Plan (Zip) code of the underwriter's mailing address.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <EMPLOYMENT CurrentEmploymentIndicator = 'Y'> <EmployerID>	Five numeric digits	(Required Entry for Add) First five characters of the FHA's unique 10-character identifier for the lender's home office by which the underwriter is currently employed.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <EMPLOYMENT CurrentEmploymentIndicator = 'Y'> <StartDate>	YYYYMMDD	(Required Entry for Add) Start date of underwriter's employment with Current Employer.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <EMPLOYMENT CurrentEmploymentIndicator = 'Y'> <Certification>	Valid Values: Y or N	(Required Entry) Input acknowledging statement that the lender has reviewed the underwriter's credentials and he/she meets or exceeds all DE underwriter requirements as outlined in the HUD Handbook 4000.4 REV-1.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <EMPLOYMENT CurrentEmploymentIndicator = 'N'> <EmployerID>	Five numeric digits	(Optional Entry) First five characters of the FHA's unique 10-character identifier for the lender's home office by which the underwriter was previously employed.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <EMPLOYMENT CurrentEmploymentIndicator = 'N'> <EndDate>	YYYYMMDD	(Optional Entry) Last date of underwriter's employment with Former Employer.

Information Returned:

Sample Output File

<?xml version="1.0" standalone="yes" ?>
<FHAENTITYDATA FHAVersionID="1.0">
<PROCESSSTATUS>
  <ProcessStatusCode>SuccessUpdatesAllowed</ProcessStatusCode> 
  <ProcessStatusMessage>UNDERWRITER REGISTRY CHANGE SUCCESSFULLY COMPLETED</ProcessStatusMessage> 
</PROCESSSTATUS>
<PARTY PARTYID="C123" PartyType="Underwriter">
  <PartyName>MCGUFFIE, CINDY</PartyName> 
  <SSN>369549246</SSN> 
  <PhoneNumber>7706250100</PhoneNumber> 
  <AttentionLine>ACCUBANC MORTGAGE</AttentionLine> 
  <HouseNumber>12377</HouseNumber> 
  <StreetName>MERIT #600</StreetName> 
  <StreetSuffix>DR</StreetSuffix> 
  <City>DALLAS</City> 
  <State>TX</State> 
  <PostalCode>752510000</PostalCode> 
  <EMPLOYMENT CurrentEmploymentIndicator="Y">
    <EmployerName>NATIONAL CITY MORTGAGE CO</EmployerName> 
    <EmployerID>38092</EmployerID> 
    <StartDate>20000410</StartDate> 
    <Certification>Y</Certification> 
  </EMPLOYMENT>
  <EMPLOYMENT CurrentEmploymentIndicator="N">
    <EmployerName>PARADIGM MORTGAGE ASSOCIATES I</EmployerName> 
    <EmployerID>70066</EmployerID> 
    <EndDate>20000407</EndDate> 
  </EMPLOYMENT>
</PARTY>
</FHAENTITYDATA>

End of Output Fields for Underwriter Registry

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 23 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'> <PartyName>	Full name of the underwriter. Up to twenty-two alphanumeric characters.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <SSN>	Social Security Number of the underwriter. Nine numeric characters.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <Alias AliasType = 'FormerName'>	Previous last name, first name, and middle initial of the underwriter if individual was registered under a different name. Up to twenty-two alphanumeric characters.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <PhoneNumber>	Telephone number where underwriter can be reached. Ten numeric characters.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <AttentionLine>	Name of company or individual to which correspondence should be directed. Up to twenty-two alphanumeric characters.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <HouseNumber>	House number of the underwriter's mailing address. Up to seven alphanumeric characters.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <DirectionPrefix>	Street direction preceding the street name of the underwriter's mailing address. Up to two alphabetic characters.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <StreetName>	Name or number of the street in the underwriter's mailing address. Up to twenty alphanumeric characters.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <StreetSuffix>	Street classification such as Blvd, Dr, or Pkwy in the underwriter's mailing address. Up to four alphabetic characters.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <DirectionSuffix>	Street direction following the street name in the underwriter's mailing address. Up to two alphabetic characters.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <ApartmentOrUnit>	Extension of the house or condominium number in the underwriter's mailing address. Up to 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 alphabetic characters.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <PostalCode>	Zip code in which the Underwriter resides. Nine numeric characters.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <EMPLOYMENT CurrentEmploymentIndicator = 'Y'> <EmployerName>	Name of lending institution where underwriter is currently employed. Up to thirty alphanumeric characters.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <EMPLOYMENT CurrentEmploymentIndicator = 'Y'> <EmployerID>	First five characters of the FHA's unique 10-character identifier for the lender's home office by which the underwriter is currently employed. Five numeric characters.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <EMPLOYMENT CurrentEmploymentIndicator = 'Y'> <StartDate>	Start date of underwriter's employment with Current Employer. YYYYMMDD.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <EMPLOYMENT CurrentEmploymentIndicator = 'Y'> <Certification>	Input acknowledging statement that the lender has reviewed the underwriter's credentials and he/she meets or exceeds all DE underwriter requirements as outlined in the HUD Handbook 4000.4 REV-1. Valid values: Y or N
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <EMPLOYMENT CurrentEmploymentIndicator = 'N'> <EmployerName>	Name of lending institution where underwriter was previously employed. Up to thirty alphanumeric characters.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <EMPLOYMENT CurrentEmploymentIndicator = 'N'> <EmployerID>	First five characters of the FHA's unique 10-character identifier for the lender's home office by which the underwriter was previously employed. Five numeric characters.
<PARTY PARTYID = 'A123' PartyType = 'Underwriter'> <EMPLOYMENT CurrentEmploymentIndicator = 'N'> <EndDate>	Last date of underwriter's employment with Former Employer. YYYYMMDD.

ProcessStatusCode Values:

End of ProcessStatusCode Values

SuccessUpdatesAllowed	This indicates that Underwriter Registry request was processed, that is, the update has been successful.
Error	This indicates that an error has occurred during the Underwriter Registry request 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.