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Posted June 22nd, 2016

TOTAL Mortgage Scorecard Counsel Type Field Data Change Reminder

On June 11, 2016, the Federal Housing Administration (FHA) implemented technical changes to its Technology Open To Approved Lenders (TOTAL) Mortgage Scorecard. As a reminder, as of June 11, all TOTAL Mortgage Scorecard submissions now require a response in the Counsel Type field.

The two Counsel Type field response options are:

  • A=No HUD Approved Counseling; or
  • D=HUD Approved Counseling Agency. To determine whether an organization is a HUD-Approved Housing Counseling Agency, please refer to the “find a counselor” information on

Blank or “N/A” responses are no longer acceptable values. Automated Underwriting System (AUS) vendors have made accommodations to their systems for this change.

Mortgagees’ accurate responses in this field are critical for allowing HUD to measure its progress toward meeting its goal to increase the number of FHA-insured mortgages with borrowers who are benefitting from housing counseling. This data will also provide valuable insights regarding the role of counseling in FHA programs; its ability to improve outcomes for borrowers; and to strengthen the health of the FHA’s Mutual Mortgage Insurance Fund.