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...