Automated underwriting recommendation that the file appears approvable and eligible if documented as submitted.
Approve/Eligible is an automated underwriting recommendation that generally means the submitted mortgage file appears approvable and eligible for the selected path if the lender documents and verifies the file as submitted.
Approve/Eligible matters because borrowers and loan officers often treat it as a strong sign that the file can move forward. It is usually better than a result that requires referral, restructuring, or a different program.
It is still not a final approval. The lender must verify income, assets, credit, property, occupancy, and loan terms. If the submitted data changes, the result may need an AUS Resubmission and the recommendation can change.
Borrowers may hear Approve/Eligible after a lender runs the file through Desktop Underwriter or another automated underwriting path. It can appear during preapproval, application, or underwriting updates.
The result becomes practical when it shapes the lender’s conditions and documentation requests.
| It usually suggests | It does not guarantee |
|---|---|
| The submitted file appears to fit the selected automated path | Final approval or funding |
| The lender can proceed if documentation supports the data | That every condition is already cleared |
| The file may be eligible for the chosen program | That property, title, insurance, or closing issues cannot arise later |
A borrower has stable income, acceptable credit, enough assets, and a purchase contract. The lender runs the file and receives Approve/Eligible. The borrower still has to provide documents and clear conditions before closing.
Approve/Eligible differs from AUS Findings because findings are the whole output, while Approve/Eligible is a specific recommendation inside that output.
It differs from Conditional Approval because conditional approval is the lender’s underwriting status. Approve/Eligible is a system recommendation.
It also differs from Clear to Close. Clear to close means the lender has cleared the key conditions; Approve/Eligible can happen much earlier.