Manual Underwrite
A manual underwrite is a loan review conducted by a human underwriter rather than relying solely on an automated underwriting system (AUS) like Desktop Underwriter or Loan Prospector.
Manual underwriting is used when a borrower's file does not receive an automated approval — often due to limited credit history, a recent financial event, or other factors the system cannot evaluate contextually. The underwriter reviews the full picture, including compensating factors, to make a decision.
A manual underwrite is not a sign of a weak file. It is an alternative path to approval that allows human judgment to weigh factors that automated systems may overlook. Not all lenders offer manual underwriting, which makes working with one who does a strategic advantage.
Why This Matters: If your file does not fit neatly into an automated box, manual underwriting may be the path to approval. Having a lender who is experienced in manual reviews can be the difference between a denial and a closing.
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