Manual Underwriting
A human underwriter reviews the loan file instead of, or in addition to, the AUS. More conservative than automated review — typically a 43% DTI limit versus 50%+ for AUS-approved files.
| Audience | Name |
|---|---|
| Engineering (code) | — |
| Design (UI label) | — |
| Borrower-facing | a person, not a computer, reviews your loan file |
| Do not use | — |
Sources
- Clarity Engine Glossary — Manual UW
Related
Max DTI Manual, AUS (Automated Underwriting System)