The Lender may not accept or deny an FHA-insured mortgage based solely on a risk assessment generated by TOTAL Mortgage Scorecard. The underwriter must manually underwrite any mortgage application where the Automated Underwriting System (AUS) issues a Refer recommendation.
For additional information see Handbook 4000.1 II.A.4.a.iii; II.A.4.a.iv(C) at https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh