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Lenders use this form to summarize key information utilized in the comprehensive risk assessment of the mortgage loan and the final underwriting decision -- such as loan purpose, property type, proposed monthly payments, and debt ratio -- for manually-processed applications related to conventional first and second
The 1008 is called the loan transmittal summary and is a summary of the final loan application called the 1003. It used to be signed by underwriters as a notification that the terms/information is correct.
The 1003 form is used by most mortgage lenders to help assess a borrowers loan eligibility. The form asks various questions about your personal and financial situation, including your marital status, income and debts. If you apply for a loan through Fannie Mae or Freddie Mac, you must complete the 1003 form.
Form 1008 features all the summary data required for a mortgage loan, plus calculated figures, such as debt-to-income ratio, income, and liability amounts. Loan underwriters process form 1008 data to help them decide on whether to issue a loan and how much to issue.
Form 1008 by Fannie Mae, also known as the Uniform Underwriting and Transmittal Summary, is often used by lenders to analyze the key summary data of an application, and make underwriting decisions based on that.
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Lenders use the Uniform Residential Loan Application or Form 1003 to evaluate and determine your creditworthiness when applying for a home loan. This form is designed to help lenders make more informed decisions when extending mortgages to borrowers.

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