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FHA TOTAL Scorecard Integration

In order to receive an "accept" or "refer" result from FHA TOTAL Scorecard, lenders must use an Automated Underwriting System (AUS) that interfaces with Scorecard. TOTAL Scorecard is not an Automated Underwriting System (AUS). Instead, it is a mathematical equation for use within an AUS. In order to underwrite FHA loans electronically, a mortgagee must process all requests through an AUS that has an interface to communicates with TOTAL Scorecard. In the past, the only options to interface to Scorecard was to use DU®, LP®, CLUES/CLOUT or ZiPPY to complete the underwriting of FHA loans. However, using these AUSs either costs money and/or can be restrictive to using certain investors.

A New Alternative to FHA Decisioning

Loan-Score's new direct system-to-system interface to FHA TOTAL Scorecard offers lenders an alternative to using DU/DO®, LP®, CLUES or ZiPPY to complete the underwriting of FHA loans. Loan-Score connects to Scorecard the same way you're used to, pulls credit, issues an "accept" or "refer," and returns rules-based conditions/stips.

Clear-cut ROI

For lenders that are processing a significant amount of FHA volume, connecting to Scorecard can become expensive and limiting. Lenders using our interface are able to instantly return decisions for FHA products. The result? The savings in reduced transaction fees alone makes using Loan-Score a "no-brainer."

How it Works

Loan-Score's integration with TOTAL Scorecard seamlessly returns and incorporates Scorecard's algorithmic results back into our proprietary AUS for complete decisioning and underwriting of FHA loans. If lenders do not use an AUS that interfaces with TOTAL Scorecard, they are still able to use a manual underwriting process, but this costs lenders more money, prolongs cycle times and increases the chance for deal fallout.

One of Three Ways to Connect

  • Web Services from your within your exisitng applications
    • - using advanced web services, lenders are able to call our decisioning engine to interface with FHA TOTAL Scorecard

  • Utilization of Loan-Score's web-based PPE, AUS & customer-facing Portals
    • - New and exisitng customers are able to easily utilize our decision management suite to not only price and underwrite all types of loans, but to also interface with FHA TOTAL Scorecard. Loan-Score maintains a comprehensive, up-to-date library of investor guidelines and pricing for our clients

  • Use of LoanSCORECARD.com - LoanSCORECARD.com is a new standlone website that alllows mortgage bankers, community banks, credit unions, lenders and originators to obtain eligibility results from Scorecard directly from our website on a cost effective per transaction basis


Next Steps
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