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Certified Residential Underwriter (CRU) Designation

Gain tangible skills when you enroll in the Certified Residential Underwriter (CRU) Certificate and Designation program. Our progressive curriculum establishes the standard for professional excellence in residential mortgage loan underwriting.

As you work your way through the training online, you will develop specific skills that contribute to:

  • Reduced error rates
  • Increased productivity
  • Quicker decisions
  • Improved quality

In addition to these essential skills, you will gain insight into current influencing factors, regulations and industry issues. Find out how you can join this growing group of distinguished professionals!

The Certified Residential Underwriter (CRU) designation program has allowed me to elevate my underwriting skills and knowledge. The designation also signifies my level of underwriting expertise. I personally look forward to my continued education classes for my CRU renewals, as they provide the opportunity to refresh my knowledge on a regular basis. The MBA has created a detailed and comprehensive program that would be a substantial benefit to any mortgage professional that seeks to gain an enhanced knowledge of underwriting standards.

Jeanne Tillman, CRU, ActionCenter Customer Experience Professional, Genworth Mortgage Insurance

Obtaining the CRU designation was a great way to confirm my underwriting expertise to myself and others even though it had been several years since I had been in a frontline underwriting role. I appreciated the self-paced nature of the program and thought the course content was appropriate and relevant. I enjoyed the experience so much that it inspired me to pursue my CMB designation.

Sheila M Klostermann, CMB, CRU, Senior Manager- Quality Assurance, Genworth Mortgage Insurance

I am grateful for the CRU course and assisting me to achieve this status. The course was very informative and takes the knowledge that I had to another level. The status of a certified Credit Underwriter will assist with my next goal of being VA credit approved underwriter.

Ruby Peavy, CRU, Senior Underwriter, Equity Prime Mortgage LLC

Candidate Profile

  • Industry professionals who are considering or who have recently started a career in underwriting
  • Established underwriting professionals looking to elevate their skill set
Scroll through the "Who's Who list" to explore our list of current designees.

The CRU Process

Level I: One year of industry experience is recommended, but not required.

    Level II: One to two years of industry experience is recommended. Completion of Residential Underwriter Level I Certificate is required.

    Level III: Two or more years of industry experience is recommended. Completion of Residential Underwriter Level I & II Certificate is required.

    CRU Costs

    • Level I: $550
    • Level II: $650
    • Level III: $750
    • Total: $1,950

    The above pricing is exclusive for MBA Members. Non-member pricing is reflected across the different levels of this program.

    Recertification: Keeping Up Your CRU

    Maintain your designation by completing two points of continuing education every two years. Continuing education can be earned by successfully completing any self-study course not previously taken or by attending MBA conferences and/or conventions. Prior to the end of the two-year period, designees must complete the Recertification Form and pay a $100 fee for members and a $200 fee for non-members. 

    Get More with Education Advantage

    Developed by MBA Education, Education Advantage is an annual subscription-based training package that provides your organization with training and development programs your employees need to succeed and grow.

    For one low annual price, you have unlimited access to our online self-study library, discounts on designations, two seats in specific online courses or the option to completely customize your curriculum. Contact Kathy Ryan today to learn more.

    CRU Level I and II Course Exemption

    We strongly encourage students to complete all levels of education structured for earning the CRU. However, for professionals who meet minimum experience requirements and whose application is approved, an exemption from coursework requirements is available for Levels I and II. Learn more.


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    Who's Who of CRU Designees

    See who you'll join when you earn your CRU. Explore our list of current CRU designees.