The automated underwriting system is only a system to screen loan information input into the loan origination system.
All of the details then have to be documented by a underwriter before the loan is formally approved, conditioned or rejected.
It is possible that the information input originally was not correct, or mis typed. It is also not out of the realm of possibility that the guidelines changed in the short time between one lender and the next.
Also - underwriting is as much an ART as science. One underwriter may take a completely different approach than another. I hope this makes some sense!
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Licensed in Maryland, Virginia and Washington, D.C.
Assisting Homebuyer's and Seller's for 28 years