All Mortgages Securitized by Fannie Mae and Freddie Mac Will Now Disclose a VantageScore 4.0 Credit Score
VantageScore 4.0 Responsibly Expands the Mortgage Market by Identifying More Qualified Borrowers for Homeownership
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Federal Housing Finance Agency (FHFA) Director Bill Pulte announced that all mortgages securitized by the Government Sponsored Enterprises (GSEs), Fannie Mae and Freddie Mac, will now disclose a VantageScore 4.0 credit score in addition to a legacy score, effective immediately. This follows Director Pulte’s recent directive that Fannie Mae and Freddie Mac can now accept VantageScore 4.0 credit scores from all mortgage origination lenders. VantageScore 4.0 is the most advanced credit score in the mortgage market today, providing lenders with superior risk prediction and cost savings opportunities. From May 1, 2026, to August 31, 2026, VantageScore 4.0 was used to securitize approximately 9% of Fannie Mae and Freddie Mac mortgages.
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All Mortgages Securitized by Fannie Mae and Freddie Mac Will Now Disclose a VantageScore 4.0
“The FHFA is leading the charge in bringing the mortgage industry into a modern era,” said Anthony Hutchinson, EVP and Head of Public Affairs at VantageScore. “The disclosure of VantageScore 4.0 scores to Fannie Mae and Freddie Mac investors will rapidly accelerate VantageScore adoption in the capital markets and mortgage markets alike, giving market participants access to the most modern and innovative credit model.”
Since May 1, 2026, several of the largest mortgage lenders and mortgage industry participants have rapidly moved to adopt VantageScore 4.0 for mortgages, including the top two mortgage originators, Rocket Mortgage and United Wholesale Mortgage, along with the Federal Home Loan Banks, and the U.S. Department of Veterans Affairs.
VantageScore 4.0 gives lenders a more modern and predictive view of consumer credit risk, helping them responsibly identify qualified borrowers who may be overlooked by traditional credit scoring models. Don’t get left behind — explore piloting VantageScore 4.0 at www.vantagescore.com/lenders.
About VantageScore®
VantageScore is the fastest-growing credit scoring company in the U.S., and is known for the industry’s most innovative, predictive and inclusive credit score models. In 2024, usage of VantageScore increased by 55% to hit 42 billion credit scores. More than 3,700 institutions, including nine of the top 10 U.S. banks, use VantageScore credit scores and digital tools to provide consumer credit products or generate greater insights into consumer behavior. The VantageScore 4.0 credit scoring model scores 33 million more people than traditional models. With the FHFA allowing the immediate use of VantageScore 4.0 for Fannie Mae and Freddie Mac guaranteed mortgages, the company is also ushering in a new era for mortgage lending.
VantageScore is an independent joint venture company owned by Equifax, Experian and TransUnion.
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