Does TOTAL Scorecard verify my loan data?

FHA’s Technology Open To Approved Lenders (TOTAL) Mortgage Scorecard is not an Automated Underwriting System (AUS) but a scorecard that must interface through a system-to-system connection with an AUS.  

TOTAL Mortgage Scorecard evaluates the overall credit risk posed by the Borrower, based on a number of credit variables, when combined with the functionalities of an AUS. 

The Mortgagee may not accept or deny an FHA-insured mortgage based solely on a risk assessment generated by TOTAL Mortgage Scorecard.

The Mortgagee must ensure full compliance with all FHA eligibility requirements, and all requirements. 

The Mortgagee must verify the information used to score the mortgage through TOTAL Mortgage Scorecard but does not need to analyze the credit history, unless otherwise stated in Handbook 4000.1 II.A.4, if an Accept or Approve recommendation is received.  

Mortgagees using TOTAL Mortgage Scorecard remain solely responsible for prudent underwriting practices and the Final Underwriting Decision.

All transactions must be scored through TOTAL Mortgage Scorecard, except Streamline Refinance transactions, assumptions, and Mortgages made to nonprofit/Governmental Entity Borrowers.

For additional information, see Handbook 4000.1 II.A.4.a. available at:


All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.

Topic Number: KA-01799