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Would like some guidance on this. The Reg doesn’t seem very clear to me. We run most of our applications through DU. However, when we our doing FHA loans we run the application through DU. DU however, uses/evaluates the app using TOTAL. How should I be reporting the AUS? Would I report DU since that is what we ran the application through? Or, TOTAL since DU used TOTAL to evaluate the application.
Also, to make the matter even muddier, DU gives us a result that does not correspond to a TOTAL result.
For example: I run an FHA app through DU which uses TOTAL to evaluate and I get the result approve/eligible.My initial thought is to use TOTAL as my AUS since this is the AUS that belongs to FHA. And then report the approve/eligible. Also, the FIG does not give a validity edit if I report TOTAL with a result of approve/eligible.
I also see reporting DU since they are technically the servicer I used to evaluate the application and then they used TOTAL to evaluate.
Any guidance would be appreciated.
I have not run into to this scenario before. If you run the loan through DU and you get a DU code (approve/eligible) it appears that the AUS is DU. FHA’s system is TOTAL but their codes are either Accept or Refer. I suggest that you verify with your vendor whether the system is actually using TOTAL or not.
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