What is a non-delegated MI Submission?
For a non-delegated submission, the lender sends a copy of the full file to Arch MI for underwriting, and then Arch MI issues an MI decision. Certain non-delegated underwriting requirements are more expansive than our delegated underwriting requirements (for example, loan amount and credit score requirements).
If you have a loan you believe is an acceptable risk, but is outside our underwriting requirements, we encourage you to submit the full file. Our experienced underwriting staff will evaluate the overall risk of the loan to determine its eligibility for mortgage insurance.