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Fannie Mae removes minimum credit score requirements from DU

Fannie Mae’s latest update eliminates minimum credit score requirements for loans via its DU system, effective Nov. 16, 2025. This change aims to broaden borrower access but raises industry concerns about risk assessment and transparency. AI Summary

Fannie Mae‘s November 2025 Selling Guide, released on Wednesday, detailed several updates, including expanding Fannie’s Day 1 Certainty offerings to include representation and warranty relief for undisclosed non-mortgage liabilities, expanding the eligibility for the age of credit document exception for single-closing construction loans and removing minimum credit score requirements from Desktop Underwriter (DU).

As a result of the latter update, Fannie Mae will remove minimum credit score requirements for loans submitted through its DU system starting Nov. 16. This means that the current 620 minimum representative or average median credit score will be removed for new loan case files created on or after that date.

 

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