CRT-Eligible Profile Summary

DU Model Updates: 2017-2020 July 2017: DU 10.1 ■ Enabled loans with DTI ratios above 45% (up to 50%) to rely on DU's comprehensive risk assessment. Removed DU model overlays with set maximum LTV ratio and minimum reserves requirements for those loans. May result in additional loans receiving Approve/Eligible in DU. March 2018: DU 10.2 ■ ■ Revised DU's risk assessment to limit risk layering. May yield a reduction in Approve/Eligible recommendation on loans that have multiple higher-risk characteristics. December 2018: DU 10.3 ■ Enhanced DU's management of multiple risk layers. Six months of reserves for cash-out refinances with DTI over 45% to address increase in high DTI acquisitions. May yield a reduction in loan case files most notably for loans with multiple risk factors. July 2019: DU 10.3 ☐ Certain new loan casefiles submitted to DU will receive an Ineligible recommendation when multiple high-risk factors are present. Updated the DU eligibility assessment to better align the mix of business delivered to us with the composition of business in the overall market. April 2020: DU 10.3 In response to changing market conditions and economic uncertainty surrounding COVID 19 Pandemic and support sustainable homeownership we revised DU's risk and eligibility assessments to result in modest reduction of loan casefiles with high-risk factors receiving an Approve/Eligible recommendation. Learn more: singlefamily.fanniemae.com/applications-technology/desktop-underwriter-desktop-originator 50 © 2024 Fannie Mae

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