Final answer:
HUD considers multiple factors when evaluating a complaint against a licensee, excluding elements such as personal matters unrelated to the complaint. Judging the merits focuses on professional conduct and adherence to regulations.
Step-by-step explanation:
When judging the merits of a complaint filed against a licensee and the licensee's firm, HUD will consider a variety of factors. However, HUD does not consider certain elements in its evaluation process such as personal matters of the licensee that are not directly connected to the complaint. The specifics not considered would depend on the nature of the complaint and the applicable laws and regulations governing the case. It's important when addressing such complaints that the focus remains on the professional conduct, adherence to regulations, and the public trust maintained by the licensee and their firm.