What does a 'refer' result in GUS generally indicate?

The 'refer' result in the USDA's Guaranteed Underwriting System (GUS) typically indicates that there may be some concern about the borrower's creditworthiness, which often manifests as a low FICO score. GUS performs an automated analysis of the borrower's application, and a 'refer' result does not automatically disqualify the application but suggests that there are factors that need further underwriting review. Low FICO scores can signal potential risks when assessing a borrower's ability to repay a loan.

In context, although other factors like borrower profile, property issues, or loan amount requests can also lead to complications in the approval process, they do not specifically align with the typical interpretation of a 'refer' result in GUS. The primary indicator here is the concern over the borrower’s credit score, which is fundamental to the lender's assessment of risk.