TOTAL is an acronym that stands for Technology Open to Approved Lenders. TOTAL is a mortgage scorecard based on a mathematical equation that is to be used within an automated underwriting system (AUS). TOTAL is a tool to assist the mortgagee in managing its workflow and expediting the endorsement process, and is not a substitute for the mortgagee's reasonable consideration of risk and credit worthiness. Direct Endorsement mortgagees using TOTAL remain solely responsible for the underwriting decision.


24 CFR § 203.251

Scoping language

As used in this subpart, the following terms shall have the meaning indicated:

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