Skip to content
  • Sign In
  • Create Account
  • Sign Out
  • My Account
Cart
  • Inside Mortgage Finance
  • MBS & ABS
  • The GSEs
  • The CFPB
  • Mortgage Trends
  • FHA/VA Lending
  • Nonconforming Markets
  • Data
    • Subscribe to Data
Home » High DTI Loans Will Draw TOTAL Scrutiny
Looking to read the full article? Register for free access to IMFnews content today!

High DTI Loans Will Draw TOTAL Scrutiny

July 15, 2011
The Department of Housing and Urban Development is mulling over changes for the FHA TOTAL Scorecard to increase scrutiny of loans with higher debt-to-income ratios, according to HUD officials. Responding to inquiries by Inside FHA Lending, department officials said the FHA automated underwriting system, FHA TOTAL Scorecard, is under review for possible changes that could have mixed results for lenders and consumers. HUD said it is still considering the effects of various potential changes to TOTAL. But making those changes would result in higher risk loans, including those with higher DTI ratios, being subjected to manual reviews rather than...
News Inside Mortgage Finance Inside Mortgage Trends Inside FHA/VA Lending
Purchase this article for $50.00
Subscribe To The Newsletter

Latest Imf News

  • Fed to Propose Capital Changes for Banks, Mortgages

  • Prime Non-Agency MBS Issuance Increases Nearly 40% in 2025

  • Rithm’s Commercial Loan REIT Eyes Lender Acquisition

  • FHA Loss-Mit Waterfall Change Drives Up Delinquencies

More Imf News

Featured Data

  • FHA Delinquencies Rise to Pandemic Levels

  • Expanded-Credit MBS Issuance Slows in 4Q

  • New Nonbank Servicing Giant Emerges in Fourth Quarter

  • January Ushers In New Year With Modest Gain in MBS

More Featured Data

Featured Reports

  • Mortgage Servicing Rights Report: 3Q25 (PDF)

  • IMF Mortgage Directory: Full interactive database

  • Agency Seller-Issuer Profile: 3Q25 (PDF)

  • IMF HMDA Dashboard: 2024

More Latest Reports

Featured Poll

As homeowner equity continues to build, more and more lenders are launching home equity lending products. Are you thinking of joining this market?

View Results
  • About
    • About Inside Mortgage Finance
    • Contact Us
    • Advertising
    • Privacy Policy/Terms
    • Article Reprints/Web Postings
    • Copyright FAQ
  • Customer Center
    • Subscribe
    • Request a Sample
    • Account Inquiries
    • Change of Address
    • Change of Delivery Method
    • Data Licensing
    • Password Reminder
    • Group Subscriptions
    • Refunds
    • Renew Your Subscription
    • E-mail Newsletters
  • Mortgage Data
    • Origination
    • Servicing and Portfolios
    • Mortgage Insurance
    • Securitization
    • Agency MBS Activity
    • Non-Agency MBS Activity
    • MBS Investor Activity
    • ABS Activity
    • Commercial MBS Activity
    • Funding Activity
    • Earnings and Financials
    • Regulatory Data
    • Mortgage Rates and Terms
    • Subscribe to Data
    • Lender Profiles
    • HMDA Dashboard
    • Contacts Directory
    • Custom Data
    • Data Licensing
  • Reports
    • Data Reports
    • Industry Studies
    • Regulatory Reports
    • Statistical Annual
    • Free Reports

© Copyright 2026 Inside Mortgage Finance Publications
Design, CMS, Hosting & Web Development :: ePublishing