Automated underwriting output that lists the system recommendation and documentation requirements.
AUS findings are the automated underwriting output that lists the system recommendation, eligibility messages, and documentation requirements for a mortgage file.
AUS findings matter because they turn a system run into a practical lender checklist. The findings may show whether the file appears to fit the selected program, which documents must support the submitted data, and which issues require correction before approval can move forward.
Borrowers may never see the full findings report, but they often feel its effect through document requests, conditions, and changes to the loan structure.
AUS findings appear after the lender runs the file through an Automated Underwriting System (AUS), such as Desktop Underwriter or Loan Product Advisor.
They may be reviewed during preapproval, formal underwriting, conditional approval, and any AUS Resubmission triggered by changed file data.
| Finding area | Borrower impact |
|---|---|
| Recommendation | Indicates whether the file appears supportable, needs more review, or is not eligible as structured |
| Income | Drives requests for pay, tax, business, or employment documentation |
| Assets | Drives requests for bank statements, source of funds, reserves, or large-deposit explanations |
| Credit | Flags debts, inquiries, credit history, or undisclosed obligations |
| Property | Connects the file to appraisal, condo, occupancy, or collateral requirements |
A lender runs a file through AUS and receives findings requiring updated paystubs, a bank statement, a large-deposit explanation, and confirmation of the borrower’s current employment. Those items become part of the underwriting path.
AUS findings differ from Approve/Eligible because Approve/Eligible is one possible recommendation, while findings are the broader output that includes conditions and messages.
They differ from Conditional Approval because conditional approval is a lender status. AUS findings are system output the lender uses while making that decision.
They also differ from Conditions to Close. Findings may help create conditions, but conditions to close are the lender’s actual outstanding requirements before closing.